# Velotax

**Canonical:** https://apis.io/providers/velotax/  
**Website:** https://velotax.com.br/  
**APIs profiled:** 0

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.

## Kin Score — 10.0 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 10.0).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 0.0 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

## 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)

- **Velotax Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Credit, Fintech, Lending, Personal Loans, Tax, Brazil, Consumer Finance, Pix

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