Uni

Uni (Uni Cards) is an Indian consumer credit fintech founded in 2020 by Nitin Gupta, Prateek Jindal, and Laxmikant Vyas that delivers clutter-breaking credit products to consumers in India, including pay-later style credit cards and flexible repayment products. Uni is backed by Lightspeed Venture Partners and General Catalyst. The company is a consumer-facing app-first business and does not currently publish a public developer portal or API surface.

Uni is profiled on the APIs.io network. Tagged areas include Company, FinTech, Credit, Credit Cards, and Consumer Finance.

Uni’s developer surface includes engineering blog, support, signup flow, and 6 more developer resources.

🌐 Visit website 📡 Source on GitHub

17.8/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

CompanyFinTechCreditCredit CardsConsumer FinancePaymentsIndia

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 17.8/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 1.3 / 20

Commercial Clarity 6.8 / 20

Operational Transparency 0.7 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/uni: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Get Started 1

Portal, sign-up, and the first successful call

SignUp

SignUp

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: uni
name: Uni
description: Uni (Uni Cards) is an Indian consumer credit fintech founded in 2020 by Nitin Gupta, Prateek Jindal, and Laxmikant
  Vyas that delivers clutter-breaking credit products to consumers in India, including pay-later style credit cards and flexible
  repayment products. Uni is backed by Lightspeed Venture Partners and General Catalyst. The company is a consumer-facing
  app-first business and does not currently publish a public developer portal or API surface.
url: https://raw.githubusercontent.com/api-evangelist/uni/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- general-catalyst
- lightspeed-venture-partners
x-tier: stub
x-tier-reason: portfolio-lead
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.20'
image: https://webcdn.uni.club/images/favicon-48.png
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- FinTech
- Credit
- Credit Cards
- Consumer Finance
- Payments
- India
apis: []
common:
- type: DomainSecurity
  url: security/uni-domain-security.yml
- name: Website
  type: Website
  url: https://www.uni.cards/
- name: Blog
  type: Blog
  url: https://www.uni.cards/blog
- name: Support (FAQ)
  type: Support
  url: https://www.uni.cards/faq
- name: Terms and Conditions + Privacy Policy (PDF)
  type: TermsOfService
  url: https://www.uni.cards/docs/Uni_Terms_and_Conditions_and_Privacy_Policy.pdf
- name: Privacy Policy
  type: PrivacyPolicy
  url: https://www.uni.cards/privacy-policy-main
- name: Sign Up (card application)
  type: SignUp
  url: https://www.uni.cards/apply
- name: GitHub Organization
  type: GitHubOrganization
  url: https://github.com/Uni-Cards
- name: LLMs.txt
  type: LLMsTxt
  url: llms/uni-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-21'
  status: minimal
  artifacts_added: 3
  pass: local-v1

Uni