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

10.0/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-21 · rubric v0.12.0

0 APIs

Company Credit Fintech Lending Personal Loans Tax Brazil Consumer Finance Pix

Kin Score

Kin Score How this is scored →
scored 2026-08-21 · rubric v0.12.0

Composite quality — 10.0/100 · minimal

Contract Quality 0.0 / 25

Developer Ergonomics 0.0 / 20

Access Clarity 4.2 / 20

Operational Transparency 0.0 / 13

Contract Governance 0.0 / 12

Discoverability 5.7 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

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

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

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 →

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)

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: '0.23'
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

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