Upswing

Upswing Financial Technologies is an Indian open finance-as-a-service platform headquartered in Bengaluru and Mumbai. Its full-stack API platform lets consumer companies embed financial products such as deposits and lending from regulated partner banks (AU Small Finance Bank, DCB Bank, Utkarsh, Shivalik, Unity, South Indian Bank, Suryoday), while Upswing manages the bank integrations and compliance. Backed by QED Investors and Quona Capital. Upswing publishes no public developer portal or API documentation; its APIs are offered to partners under commercial agreements.

Upswing is profiled on the APIs.io network. Tagged areas include Company, Fintech, Open Finance, Embedded Finance, and Banking.

Upswing’s developer surface includes engineering blog, authentication, support, and 10 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

8.0/100 minimal ▬ flat Agent 3/100 human only Front door AI 1/6 silent Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

0 APIs

Company Fintech Open Finance Embedded Finance Banking India Deposits Lending

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 8.0/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 3.2 / 17

Access Clarity 0.0 / 17

Operational Transparency 0.3 / 11

Contract Governance 0.0 / 10

Discoverability 4.7 / 9

Regulatory Posture 1.4 / 15

Agent readiness — 3/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 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

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

12 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Access Clarity scores 0.0 — up to +20.0 composite points
Developer Ergonomics scores 19.0 — up to +16.2 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/upswing/apis.yml: open an issue on github.com/api-evangelist/upswing to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-
India RBI Regulated Entities (payment system operators, payment aggregators, PPI issuers, NBFCs, AAs)	undeclared	-	-	-
India RBI / SEBI Registers (SEBI intermediaries, RBI NBFCs, payment aggregators, PPI issuers, AAs)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Upswing Authentication

openIdConnect · 1 scheme

SECURITY

Upswing Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

WellKnown

WellKnown

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 2

Status, limits, changes, and where to get help

Contact

Contact

Support

Support

Company 5

The organization behind the API

Website

Blog

Careers

Partners

LinkedIn

Source (apis.yml)

aid: upswing
name: Upswing
description: Upswing Financial Technologies is an Indian open finance-as-a-service platform headquartered in Bengaluru and
  Mumbai. Its full-stack API platform lets consumer companies embed financial products such as deposits and lending from regulated
  partner banks (AU Small Finance Bank, DCB Bank, Utkarsh, Shivalik, Unity, South Indian Bank, Suryoday), while Upswing manages
  the bank integrations and compliance. Backed by QED Investors and Quona Capital. Upswing publishes no public developer portal
  or API documentation; its APIs are offered to partners under commercial agreements.
url: https://raw.githubusercontent.com/api-evangelist/upswing/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- qed-investors
x-tier: stub
x-tier-reason: portfolio-lead
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
image: https://cdn.prod.website-files.com/640f1cf7637b80779a61f818/65d309ac6e4a0177aef94e99_webclip.svg
tags:
- Company
- Fintech
- Open Finance
- Embedded Finance
- Banking
- India
- Deposits
- Lending
apis: []
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: 4
  pass: local-v1
common:
- type: DomainSecurity
  url: security/upswing-domain-security.yml
- type: Website
  url: https://upswing.one/
- type: Blog
  url: https://upswing.one/news
- type: Careers
  url: https://upswing.one/career
- type: Partners
  url: https://upswing.one/our-partners
- type: GitHubOrganization
  url: https://github.com/upswing-one
- type: LinkedIn
  url: https://www.linkedin.com/company/upswing-financial-technologies/
- type: Contact
  url: mailto:contact@upswing.one
- type: LLMsTxt
  url: llms/upswing-llms.txt
- type: WellKnown
  url: well-known/upswing-well-known.yml
- type: Authentication
  url: authentication/upswing-authentication.yml
- type: DeveloperPortal
  url: https://integration-docs.upswing.one
- type: Support
  url: https://zh.support.upswing.one/portal/en/home

Upswing API — frequently asked questions

How do I authenticate with the Upswing API?

Upswing uses bearer-token authentication (openIdConnect · 1 scheme). The details are profiled on APIs.io as Upswing Authentication.

Is the Upswing API ready for AI agents?

Upswing has a Kin Score of 8.0 out of 100 (minimal) and an Agent Readiness score of 2.5 (human-only), scored by API Evangelist on 2026-11-06.

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get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
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