Velotax

Velotax is a Brazilian digital-credit fintech (mobile app plus velotax.com.br), operating 100% online, that offers unsecured personal loans and income-tax (IRPF) refund advances, disbursed via Pix within 30 minutes of approval — approving even "negativado" (poor-credit) customers because the anticipated tax refund secures repayment. Founded in 2020 by ex-J.P. Morgan bankers Eduardo Esmanhotto and Victor Savioli, it operates as a banking correspondent in partnership with VIA CAPITAL (a Brazilian Central Bank SCD), holds Reclame Aqui's top RA1000 reputation seal, has 3M+ app downloads, and raised a R$125M Series A in 2025 from QED Investors, Valor Capital and Picus Capital. Velotax is a consumer product and publishes no public developer API or OpenAPI surface.

Velotax is profiled on the APIs.io network. Tagged areas include Company, Credit, Fintech, Lending, and Personal Loans.

Velotax’s developer surface includes engineering blog, support, and 5 more developer resources.

🌐 Visit website 📡 Source on GitHub
12.3/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-28 · rubric v0.5
0 APIs
CompanyCreditFintechLendingPersonal LoansTaxBrazilConsumer FinancePix

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-28 · rubric v0.5
Composite quality — 12.3/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.0 / 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/velotax: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Security Posture 1

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

Velotax Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt
LLMsTxt

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

PrivacyPolicy
PrivacyPolicy
 TermsOfService
TermsOfService

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
aid: velotax
name: Velotax
description: Velotax is a Brazilian digital-credit fintech (mobile app plus velotax.com.br), operating 100% online, that offers
  unsecured personal loans and income-tax (IRPF) refund advances, disbursed via Pix within 30 minutes of approval — approving
  even "negativado" (poor-credit) customers because the anticipated tax refund secures repayment. Founded in 2020 by ex-J.P.
  Morgan bankers Eduardo Esmanhotto and Victor Savioli, it operates as a banking correspondent in partnership with VIA CAPITAL
  (a Brazilian Central Bank SCD), holds Reclame Aqui's top RA1000 reputation seal, has 3M+ app downloads, and raised a R$125M
  Series A in 2025 from QED Investors, Valor Capital and Picus Capital. Velotax is a consumer product and publishes no public
  developer API or OpenAPI surface.
url: https://raw.githubusercontent.com/api-evangelist/velotax/refs/heads/main/apis.yml
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://velotax.com.br/images/og-homepage.jpg
x-type: company
x-source: vc-portfolio
x-backed-by:
- qed-investors
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Credit
- Fintech
- Lending
- Personal Loans
- Tax
- Brazil
- Consumer Finance
- Pix
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://velotax.com.br/
- type: Blog
  url: https://blog.velotax.com.br
- type: Support
  url: https://support.velotax.com.br/
- type: PrivacyPolicy
  url: https://velotax.com.br/politica-de-privacidade
- type: TermsOfService
  url: https://velotax.com.br/termos-de-uso
- type: LLMsTxt
  url: llms/velotax-llms.txt
- type: DomainSecurity
  url: security/velotax-domain-security.yml
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 2
  pass: local-v1