# Uni

**Canonical:** https://apis.io/providers/uni/  
**Website:** https://www.uni.cards/  
**APIs profiled:** 0

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.

## Kin Score — 13.1 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 13.1).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 5.3 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 34.2 |
| Access Clarity | 34.2 |

Regulatory layer — **Payments**: 21.9 (matched via tags).

## Agent readiness — 0.0 (human-only)

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

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Uni Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Company, Fintech, Credit, Credit Cards, Consumer Finance, Payments, India

---

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