Wayflyer

Wayflyer provides revenue-based financing and growth capital for e-commerce businesses, and exposes its funding products to software platforms through the Hosted Capital / Embedded Finance API. Partners upload anonymized merchant revenue data to generate personalised indicative offers, render a Wayflyer CTA banner in their own UI, and run the full funding application as an embedded (v5) or hosted (v4 legacy) journey — with JavaScript UI and headless SDKs on npm, a production-parity sandbox with application-state simulation, and OpenAPI 3.1 contracts published on a Kong Konnect developer portal at docs.wayflyer.com.

Wayflyer publishes 11 APIs on the APIs.io network, including Auth API, Company Details API, Company Search API, and 8 more. Tagged areas include Company, E-Commerce, Fintech, Embedded Finance, and Lending.

Wayflyer’s developer surface includes documentation, API reference, getting-started guide, authentication, sandbox, support, engineering blog, and 24 more developer resources.

🌐 Visit website 📡 Source on GitHub

47.4/100 developing ▬ flat Agent 35/100 agent ready Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-09-25 · rubric v0.23.0

2 APIs

Company E-Commerce Fintech Embedded Finance Lending Revenue-Based Financing Financing

Kin Score

Kin Score How this is scored →
scored 2026-09-25 · rubric v0.23.0

Composite quality — 47.4/100 · developing

Contract Quality 9.3 / 19

Developer Ergonomics 11.0 / 15

Access Clarity 7.9 / 15

Operational Transparency 1.0 / 10

Contract Governance 0.4 / 9

Discoverability 5.0 / 8

Regulatory Posture 4.4 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 35/100 · agent ready

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 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 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 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) 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 applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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 github.com/api-evangelist/wayflyer: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 11

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

Wayflyer Auth API

The Auth API from Wayflyer — 2 operation(s) for auth.

Wayflyer Company Details API

The Company Details API from Wayflyer — 3 operation(s) for company details.

Wayflyer Company Search API

The Company Search API from Wayflyer — 1 operation(s) for company search.

Wayflyer CTA API

The CTA API from Wayflyer — 4 operation(s) for cta.

Wayflyer Data Upload API

The Data Upload API from Wayflyer — 3 operation(s) for data upload.

Wayflyer Documents API

The Documents API from Wayflyer — 3 operation(s) for documents.

Wayflyer Handover API

The Handover API from Wayflyer — 1 operation(s) for handover.

Wayflyer Industry Classification API

The Industry Classification API from Wayflyer — 1 operation(s) for industry classification.

Wayflyer Simulation API

The Simulation API from Wayflyer — 1 operation(s) for simulation.

Wayflyer Tracked Login API

The Tracked Login API from Wayflyer — 1 operation(s) for tracked login.

Wayflyer User Details API

The User Details API from Wayflyer — 4 operation(s) for user details.

Scroll for all 11

Open Collections 13

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

Embedded Finance Auth API

OPEN COLLECTION

Embedded Finance Auth Company Details API

OPEN COLLECTION

Embedded Finance Auth Company Search API

OPEN COLLECTION

Embedded Finance Auth CTA API

OPEN COLLECTION

Embedded Finance Auth Data Upload API

OPEN COLLECTION

Embedded Finance Auth Documents API

OPEN COLLECTION

Embedded Finance Auth Embedded Application API

OPEN COLLECTION

Embedded Finance Auth Handover API

OPEN COLLECTION

Embedded Finance Auth Industry Classification API

OPEN COLLECTION

Embedded Finance Auth Simulation API

OPEN COLLECTION

Embedded Finance Auth Tracked Login API

OPEN COLLECTION

Embedded Finance Auth User Details API

OPEN COLLECTION

Scroll for all 13

Security Posture 3

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

Wayflyer Authentication

http · 2 schemes

SECURITY

Wayflyer Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Wayflyer Trust Center

trust center published

SECURITY

Resources

Get Started 4

Portal, sign-up, and the first successful call

DeveloperPortal

GettingStarted

Sandbox

SignUp

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

X-MCPServerCandidate

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Components

Conventions

ErrorCatalog

Lifecycle

Conformance

DataModel

Build 3

SDKs, sample code, and the tooling you integrate with

Packages

Packages

SDKs

SDKs

GitHubOrganization

GitHubOrganization

Access & Security 3

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

TrustCenter

TrustCenter

Operate 3

Status, limits, changes, and where to get help

RateLimits

RateLimits

StatusPage

StatusPage

Support

Support

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

Blog

Blog

PartnerProgram

PartnerProgram

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: wayflyer
name: Wayflyer
description: Wayflyer provides revenue-based financing and growth capital for e-commerce businesses, and exposes its funding
  products to software platforms through the Hosted Capital / Embedded Finance API. Partners upload anonymized merchant revenue
  data to generate personalised indicative offers, render a Wayflyer CTA banner in their own UI, and run the full funding
  application as an embedded (v5) or hosted (v4 legacy) journey — with JavaScript UI and headless SDKs on npm, a production-parity
  sandbox with application-state simulation, and OpenAPI 3.1 contracts published on a Kong Konnect developer portal at docs.wayflyer.com.
url: https://raw.githubusercontent.com/api-evangelist/wayflyer/refs/heads/main/apis.yml
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - 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
  - security
  - sandbox
  generated: '2026-09-03'
  method: derived
image: https://avatars.githubusercontent.com/u/56260407
x-type: company
x-source: vc-portfolio
x-backed-by:
- qed-investors
- speedinvest
x-tier: profile
x-tier-reason: real partner API surface (Embedded Finance) with published OpenAPI
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- E-Commerce
- Fintech
- Embedded Finance
- Lending
- Revenue-Based Financing
- Financing
tags_raw:
- Company
- Ecommerce
- Fintech
- Embedded Finance
- Lending
- Revenue-Based Financing
- Financing
apis:
- aid: wayflyer:wayflyer-auth-api
  name: Wayflyer Auth API
  description: The Auth API from Wayflyer — 2 operation(s) for auth.
  humanURL: https://docs.wayflyer.com/apis/embedded-finance-1-0-0/docs
  baseURL: https://api.wayflyer.com/financing/
  tags:
  - Authentication
  tags_raw:
  - Auth
  properties:
  - type: OpenAPI
    url: openapi/wayflyer-auth-api-openapi.yml
  - type: Documentation
    url: https://docs.wayflyer.com/embedded-journey-v5-overview
  - type: Documentation
    url: https://docs.wayflyer.com/embedded-journey-v5-overview/sandbox
- aid: wayflyer:wayflyer-company-details-api
  name: Wayflyer Company Details API
  description: The Company Details API from Wayflyer — 3 operation(s) for company details.
  humanURL: https://docs.wayflyer.com/apis/embedded-finance-1-0-0/docs
  baseURL: https://api.wayflyer.com/financing/
  tags:
  - Company Details
  properties:
  - type: OpenAPI
    url: openapi/wayflyer-company-details-api-openapi.yml
  - type: Documentation
    url: https://docs.wayflyer.com/embedded-journey-v5-overview
  - type: Documentation
    url: https://docs.wayflyer.com/embedded-journey-v5-overview/sandbox
- aid: wayflyer:wayflyer-company-search-api
  name: Wayflyer Company Search API
  description: The Company Search API from Wayflyer — 1 operation(s) for company search.
  humanURL: https://docs.wayflyer.com/apis/embedded-finance-1-0-0/docs
  baseURL: https://api.wayflyer.com/financing/
  tags:
  - Company Search
  properties:
  - type: OpenAPI
    url: openapi/wayflyer-company-search-api-openapi.yml
  - type: Documentation
    url: https://docs.wayflyer.com/embedded-journey-v5-overview
  - type: Documentation
    url: https://docs.wayflyer.com/embedded-journey-v5-overview/sandbox
- aid: wayflyer:wayflyer-cta-api
  name: Wayflyer CTA API
  description: The CTA API from Wayflyer — 4 operation(s) for cta.
  humanURL: https://docs.wayflyer.com/apis/embedded-finance-1-0-0/docs
  baseURL: https://api.wayflyer.com/financing/
  tags:
  - CTA
  properties:
  - type: OpenAPI
    url: openapi/wayflyer-cta-api-openapi.yml
  - type: Documentation
    url: https://docs.wayflyer.com/embedded-journey-v5-overview
  - type: Documentation
    url: https://docs.wayflyer.com/embedded-journey-v5-overview/sandbox
- aid: wayflyer:wayflyer-data-upload-api
  name: Wayflyer Data Upload API
  description: The Data Upload API from Wayflyer — 3 operation(s) for data upload.
  humanURL: https://docs.wayflyer.com/apis/embedded-finance-1-0-0/docs
  baseURL: https://api.wayflyer.com/financing/
  tags:
  - Data Upload
  properties:
  - type: OpenAPI
    url: openapi/wayflyer-data-upload-api-openapi.yml
  - type: Documentation
    url: https://docs.wayflyer.com/embedded-journey-v5-overview
  - type: Documentation
    url: https://docs.wayflyer.com/embedded-journey-v5-overview/sandbox
- aid: wayflyer:wayflyer-documents-api
  name: Wayflyer Documents API
  description: The Documents API from Wayflyer — 3 operation(s) for documents.
  humanURL: https://docs.wayflyer.com/apis/embedded-finance-1-0-0/docs
  baseURL: https://api.wayflyer.com/financing/
  tags:
  - Documents
  properties:
  - type: OpenAPI
    url: openapi/wayflyer-documents-api-openapi.yml
  - type: Documentation
    url: https://docs.wayflyer.com/embedded-journey-v5-overview
  - type: Documentation
    url: https://docs.wayflyer.com/embedded-journey-v5-overview/sandbox
- aid: wayflyer:wayflyer-handover-api
  name: Wayflyer Handover API
  description: The Handover API from Wayflyer — 1 operation(s) for handover.
  humanURL: https://docs.wayflyer.com/apis/embedded-finance-1-0-0/docs
  baseURL: https://api.wayflyer.com/financing/
  tags:
  - Handover
  properties:
  - type: OpenAPI
    url: openapi/wayflyer-handover-api-openapi.yml
  - type: Documentation
    url: https://docs.wayflyer.com/embedded-journey-v5-overview
  - type: Documentation
    url: https://docs.wayflyer.com/embedded-journey-v5-overview/sandbox
- aid: wayflyer:wayflyer-industry-classification-api
  name: Wayflyer Industry Classification API
  description: The Industry Classification API from Wayflyer — 1 operation(s) for industry classification.
  humanURL: https://docs.wayflyer.com/apis/embedded-finance-1-0-0/docs
  baseURL: https://api.wayflyer.com/financing/
  tags:
  - Industry Classification
  properties:
  - type: OpenAPI
    url: openapi/wayflyer-industry-classification-api-openapi.yml
  - type: Documentation
    url: https://docs.wayflyer.com/embedded-journey-v5-overview
  - type: Documentation
    url: https://docs.wayflyer.com/embedded-journey-v5-overview/sandbox
- aid: wayflyer:wayflyer-simulation-api
  name: Wayflyer Simulation API
  description: The Simulation API from Wayflyer — 1 operation(s) for simulation.
  humanURL: https://docs.wayflyer.com/apis/embedded-finance-1-0-0/docs
  baseURL: https://api.wayflyer.com/financing/
  tags:
  - Simulation
  properties:
  - type: OpenAPI
    url: openapi/wayflyer-simulation-api-openapi.yml
  - type: Documentation
    url: https://docs.wayflyer.com/embedded-journey-v5-overview
  - type: Documentation
    url: https://docs.wayflyer.com/embedded-journey-v5-overview/sandbox
- aid: wayflyer:wayflyer-tracked-login-api
  name: Wayflyer Tracked Login API
  description: The Tracked Login API from Wayflyer — 1 operation(s) for tracked login.
  humanURL: https://docs.wayflyer.com/apis/embedded-finance-1-0-0/docs
  baseURL: https://api.wayflyer.com/financing/
  tags:
  - Tracked Login
  properties:
  - type: OpenAPI
    url: openapi/wayflyer-tracked-login-api-openapi.yml
  - type: Documentation
    url: https://docs.wayflyer.com/embedded-journey-v5-overview
  - type: Documentation
    url: https://docs.wayflyer.com/embedded-journey-v5-overview/sandbox
- aid: wayflyer:wayflyer-user-details-api
  name: Wayflyer User Details API
  description: The User Details API from Wayflyer — 4 operation(s) for user details.
  humanURL: https://docs.wayflyer.com/apis/embedded-finance-1-0-0/docs
  baseURL: https://api.wayflyer.com/financing/
  tags:
  - User Details
  properties:
  - type: OpenAPI
    url: openapi/wayflyer-user-details-api-openapi.yml
  - type: Documentation
    url: https://docs.wayflyer.com/embedded-journey-v5-overview
  - type: Documentation
    url: https://docs.wayflyer.com/embedded-journey-v5-overview/sandbox
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Overlay
  url: overlays/wayflyer-embedded-finance-overlay.yaml
- type: Website
  url: https://wayflyer.com
- type: DeveloperPortal
  url: https://docs.wayflyer.com/
- type: Documentation
  url: https://docs.wayflyer.com/embedded-journey-v5-overview
- type: APIReference
  url: https://docs.wayflyer.com/apis
- type: GettingStarted
  url: https://docs.wayflyer.com/embedded-journey-v5-overview
- type: Authentication
  url: authentication/wayflyer-authentication.yml
- type: RateLimits
  url: https://docs.wayflyer.com/embedded-journey-v5-overview/shared/rate-limiting
- type: Sandbox
  url: sandbox/wayflyer-sandbox.yml
- type: Packages
  url: packages/wayflyer-packages.yml
- type: SDKs
  url: packages/wayflyer-packages.yml
- type: Components
  url: components/wayflyer-components.yml
- type: Conventions
  url: conventions/wayflyer-conventions.yml
- type: ErrorCatalog
  url: errors/wayflyer-problem-types.yml
- type: Lifecycle
  url: lifecycle/wayflyer-lifecycle.yml
- type: StatusPage
  url: https://status.wayflyer.com/
- type: Conformance
  url: conformance/wayflyer-conformance.yml
- type: DataModel
  url: data-model/wayflyer-data-model.yml
- type: X-MCPServerCandidate
  url: mcp/wayflyer-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: LLMsTxt
  url: llms/wayflyer-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: DomainSecurity
  url: security/wayflyer-domain-security.yml
- type: TrustCenter
  url: security/wayflyer-trust-center.yml
- type: Support
  url: https://help-center.wayflyer.com/
- type: Blog
  url: https://wayflyer.com/blog
- type: GitHubOrganization
  url: https://github.com/wayflyer
- type: Pricing
  url: https://wayflyer.com/how-our-financing-offers-work
- type: SignUp
  url: https://app.wayflyer.com/signup/
- type: TermsOfService
  url: https://wayflyer.com/terms
- type: PrivacyPolicy
  url: https://wayflyer.com/privacy-notice
- type: PartnerProgram
  url: https://wayflyer.com/hosted-capital
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 23
  pass: local-v1

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