# Toqio

**Canonical:** https://apis.io/providers/toqio/  
**Website:** https://toqio.co  
**APIs profiled:** 49

Toqio is an embedded finance platform that lets corporates and financial institutions design, launch, and scale financial products — accounts, payments, cards, lending, and expense management — for their SME customers without building infrastructure. The platform pairs a no-code/low-code Design Studio with a REST API (OAuth 2.0 client credentials) covering accounts, transactions, beneficiaries, cards, fees, compliance/KYB, revenue collection, and notifications, plus an Integration Hub through which banks and BaaS providers plug their services into the Toqio marketplace.

## Kin Score — 51.3 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 51.3).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 60.9 |
| Governance | 20.8 |
| Operational Transparency | 36.8 |
| Developer Ergonomics | 64.7 |
| Commercial Clarity | 28.9 |

Regulatory layer — **Payments**: 62.5 (matched via tags).

## Agent readiness — 44.8 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | partial |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (49)

- **Toqio Account API** — The Account API from Toqio — 7 operation(s) for account.
- **Toqio Account information API** — The Account information API from Toqio — 7 operation(s) for account information.
- **Toqio API Endpoints API** — The API Endpoints API from Toqio — 2 operation(s) for api endpoints.
- **Toqio Beneficiary actions API** — The Beneficiary actions API from Toqio — 3 operation(s) for beneficiary actions.
- **Toqio Beneficiary API** — The Beneficiary API from Toqio — 6 operation(s) for beneficiary.
- **Toqio Card actions API** — The Card actions API from Toqio — 7 operation(s) for card actions.
- **Toqio Card Details API** — The Card Details API from Toqio — 6 operation(s) for card details.
- **Toqio Card Lifecycle API** — The Card Lifecycle API from Toqio — 9 operation(s) for card lifecycle.
- **Toqio Card Limits API** — The Card Limits API from Toqio — 3 operation(s) for card limits.
- **Toqio Client accounts information API** — The Client accounts information API from Toqio — 1 operation(s) for client accounts information.
- **Toqio Client actions API** — The Client actions API from Toqio — 4 operation(s) for client actions.
- **Toqio Client information API** — The Client information API from Toqio — 2 operation(s) for client information.
- **Toqio Compliance API** — The Compliance API from Toqio — 7 operation(s) for compliance.
- **Toqio compliance-controller API** — The compliance-controller API from Toqio — 1 operation(s) for compliance-controller.
- **Toqio Create transaction API** — The Create transaction API from Toqio — 1 operation(s) for create transaction.
- **Toqio Credit Cards API** — The Credit Cards API from Toqio — 10 operation(s) for credit cards.
- **Toqio Custom Faculties API** — The Custom Faculties API from Toqio — 1 operation(s) for custom faculties.
- **Toqio Custom Ledger App Texts API** — The Custom Ledger App Texts API from Toqio — 2 operation(s) for custom ledger app texts.
- **Toqio Custom Notifications API** — The Custom Notifications API from Toqio — 3 operation(s) for custom notifications.
- **Toqio Customer API** — The Customer API from Toqio — 7 operation(s) for customer.
- **Toqio Delete Account API** — The Delete Account API from Toqio — 1 operation(s) for delete account.
- **Toqio Direct debit API** — The Direct debit API from Toqio — 3 operation(s) for direct debit.
- **Toqio Dynamic Account Button Configuration API** — The Dynamic Account Button Configuration API from Toqio — 1 operation(s) for dynamic account button configuration.
- **Toqio Email Configuration API** — The Email Configuration API from Toqio — 1 operation(s) for email configuration.
- **Toqio Fees API** — The Fees API from Toqio — 3 operation(s) for fees.
- **Toqio Get Customer account information API** — The Get Customer account information API from Toqio — 1 operation(s) for get customer account information.
- **Toqio JWT validation API** — The JWT validation API from Toqio — 1 operation(s) for jwt validation.
- **Toqio Lending API** — The Lending API from Toqio — 1 operation(s) for lending.
- **Toqio Lending - Lender API** — The Lending - Lender API from Toqio — 1 operation(s) for lending - lender.
- **Toqio Lending - Loan API** — The Lending - Loan API from Toqio — 4 operation(s) for lending - loan.
- **Toqio Lending - Loan - Offer API** — The Lending - Loan - Offer API from Toqio — 2 operation(s) for lending - loan - offer.
- **Toqio Lending - Loan - Request API** — The Lending - Loan - Request API from Toqio — 3 operation(s) for lending - loan - request.
- **Toqio Manage requests API** — The Manage requests API from Toqio — 5 operation(s) for manage requests.
- **Toqio MeaWallet API** — The MeaWallet API from Toqio — 1 operation(s) for meawallet.
- **Toqio Merchant API** — The Merchant API from Toqio — 2 operation(s) for merchant.
- **Toqio Onboarding API** — The Onboarding API from Toqio — 4 operation(s) for onboarding.
- **Toqio onboarding-controller API** — The onboarding-controller API from Toqio — 2 operation(s) for onboarding-controller.
- **Toqio OTP API** — The OTP API from Toqio — 1 operation(s) for otp.
- **Toqio pre-signed-url-controller API** — The pre-signed-url-controller API from Toqio — 1 operation(s) for pre-signed-url-controller.
- **Toqio Products API** — The Products API from Toqio — 1 operation(s) for products.
- …and 9 more, listed in full on the page.

## MCP servers (1)

- **toqio-mcp.yml**

## Security (2)

- **Toqio Authentication** — http/oauth2 · 3 schemes
- **Toqio Domain Security** — TLSv1.3 · DMARC

## Tags

Embedded Finance, Fintech, Banking as a Service, Payments, Cards, Corporate Banking, Lending, Compliance, SMEs

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/toqio/). Scores are computed from the provider's own public artifacts under a published rubric.