Vauld

Vauld (formerly Bank of Hodlers) is a crypto asset management platform founded in India and headquartered in Singapore, backed by Peter Thiel's Valar Ventures, Pantera Capital, and Coinbase Ventures. Its Enterprise API exposes wallets, INR fiat rails, KYC verification, crypto swaps, borrowing, and lending to partner organisations, authenticated with HMAC-SHA256 request signing. Vauld suspended customer withdrawals in July 2022 and entered creditor-protection restructuring in Singapore; the API documentation remains published and the platform API still responds, though the documented testnet hosts no longer resolve.

Vauld is listed with 1 API on the APIs.io network. Tagged areas include Company, Cryptocurrency, Lending, Borrowing, and Trading.

The Vauld catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Vauld’s developer surface includes engineering blog, documentation, API reference, getting-started guide, support, pricing, authentication, and 12 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

31.0/100 thin ▬ flat Agent 26/100 agent aware Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

1 API

Company Cryptocurrency Lending Borrowing Trading Wallets KYC Fintech India Singapore

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 31.0/100 · thin

Contract Quality 8.3 / 21

Developer Ergonomics 9.3 / 17

Access Clarity 1.8 / 17

Operational Transparency 1.5 / 11

Contract Governance 0.5 / 10

Discoverability 5.6 / 9

Regulatory Posture 2.3 / 15

Agent readiness — 26/100 · agent aware

Machine-Readable Contract 18 / 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 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 0 / 5

Well-Known Catalog 4 / 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

Regulatory Posture applies to this provider. Its tags matched the Payments 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):

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)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link

8 more unmet checks in the Agent Readiness table above.

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

Access Clarity scores 10.5 — up to +17.9 composite points
Contract Quality scores 39.0 — up to +15.3 composite points
Contract Governance scores 4.5 — up to +11.5 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/vauld/apis.yml: open an issue on github.com/api-evangelist/vauld 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	-	-	-

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.

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Vauld Enterprise API

Enterprise API for partner organisations covering fiatcrypto trading on India INR rails (deposits via Cards/UPI/NEFT/IMPS/RTGS), automated KYC verification (Aadhar/PAN/VoterID/P...

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Vauld Webhooks

ASYNCAPI

Security Posture 2

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

Vauld Authentication

hmac · 1 scheme

SECURITY

Vauld Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

GettingStarted

GettingStarted

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

Webhooks

ErrorCatalog

Components

Conformance

Lifecycle

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

Support

Support

HelpCenter

HelpCenter

Commercial 1

Pricing, plans, and the legal terms of use

Pricing

Pricing

Company 2

The organization behind the API

Blog

Blog

Website

Website

Source (apis.yml)

aid: vauld
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/vauld.png
name: Vauld
description: Vauld (formerly Bank of Hodlers) is a crypto asset management platform founded in India and headquartered in
  Singapore, backed by Peter Thiel's Valar Ventures, Pantera Capital, and Coinbase Ventures. Its Enterprise API exposes wallets,
  INR fiat rails, KYC verification, crypto swaps, borrowing, and lending to partner organisations, authenticated with HMAC-SHA256
  request signing. Vauld suspended customer withdrawals in July 2022 and entered creditor-protection restructuring in Singapore;
  the API documentation remains published and the platform API still responds, though the documented testnet hosts no longer
  resolve.
url: https://raw.githubusercontent.com/api-evangelist/vauld/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- pantera-capital
x-tier: stub
x-tier-reason: portfolio-lead
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 11
  pass: local-v1
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
tags:
- Company
- Cryptocurrency
- Lending
- Borrowing
- Trading
- Wallets
- KYC
- Fintech
- India
- Singapore
tags_raw:
- Company
- Crypto
- Lending
- Borrowing
- Trading
- Wallets
- KYC
- Fintech
- India
- Singapore
apis:
- name: Vauld Enterprise API
  description: Enterprise API for partner organisations covering fiat<>crypto trading on India INR rails (deposits via Cards/UPI/NEFT/IMPS/RTGS),
    automated KYC verification (Aadhar/PAN/VoterID/Passport), crypto<>crypto swaps, custodial wallets, collateralized borrowing,
    and interest-earning lending. All operations are HTTP POST with JSON bodies signed via HMAC-SHA256. The documented testnet
    base (apis.bankofhodlers.com) no longer resolves; production URLs and API keys are issued on request.
  humanURL: https://docs.vauld.com/
  baseURL: https://api.vauld.com
  tags:
  - Cryptocurrency
  - Lending
  - Borrowing
  - Wallets
  - KYC
  - Fiat
  tags_raw:
  - Crypto
  - Lending
  - Borrowing
  - Wallets
  - KYC
  - Fiat
  properties:
  - type: Documentation
    url: https://docs.vauld.com/
  - type: APIReference
    url: https://docs.vauld.com/
  - type: Authentication
    url: authentication/vauld-authentication.yml
  - type: Webhooks
    url: asyncapi/vauld-webhooks.yml
  - type: Sandbox
    url: sandbox/vauld-sandbox.yml
  - type: ErrorCatalog
    url: errors/vauld-problem-types.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- url: https://www.vauld.com/news/
  type: Blog
- type: DomainSecurity
  url: security/vauld-domain-security.yml
- type: Website
  url: https://www.vauld.com/
- type: Documentation
  url: https://docs.vauld.com/
- type: APIReference
  url: https://docs.vauld.com/
- type: GettingStarted
  url: https://docs.vauld.com/
- type: Support
  url: https://support.vauld.com/en/
- type: HelpCenter
  url: https://support.vauld.com/en/
- type: GitHubOrganization
  url: https://github.com/Vauld
- type: Pricing
  url: https://vauld.com/fees
- type: Authentication
  url: authentication/vauld-authentication.yml
- type: Conventions
  url: conventions/vauld-conventions.yml
- type: Webhooks
  url: asyncapi/vauld-webhooks.yml
- type: Sandbox
  url: sandbox/vauld-sandbox.yml
- type: ErrorCatalog
  url: errors/vauld-problem-types.yml
- type: Components
  url: components/vauld-components.yml
- type: Conformance
  url: conformance/vauld-conformance.yml
- type: Lifecycle
  url: lifecycle/vauld-lifecycle.yml
- type: LLMsTxt
  url: llms/vauld-llms.txt

Vauld API — frequently asked questions

Does Vauld have an API?

Yes. APIs.io lists 1 API from Vauld, including Vauld Enterprise API.

How do I authenticate with the Vauld API?

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

Is the Vauld API ready for AI agents?

Vauld has a Kin Score of 31.0 out of 100 (thin) and an Agent Readiness score of 25.5 (agent-aware), scored by API Evangelist on 2026-10-31.

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