# WeLab

**Canonical:** https://apis.io/providers/welab/  
**Website:** https://www.welab.co/  
**APIs profiled:** 1

WeLab is a Hong Kong-headquartered fintech group founded in 2013 (incorporated November 2012 as WeLend) by Simon Loong, Kelly Wong and Frances Kang, operating consumer lending, digital banking and payments businesses across Hong Kong, mainland China and Indonesia. Its brands include WeLend (Hong Kong online lending), WeLab Digital and Taoxinji (mainland China), WeLab Pay, Tianmian Lab, and two licensed digital banks — WeLab Bank Limited, one of Hong Kong's virtual banks licensed by the Hong Kong Monetary Authority in April 2019 and launched to the public in July 2020, and Bank Saqu (formerly Bank Jasa Jakarta) in Indonesia. WeLab Bank is the group's API-bearing entity: under the HKMA Open API Framework it publishes an "Open API" developer portal for registered third-party service providers, backed by dedicated production and sandbox API gateways that require a client certificate (mutual TLS) before any request is served. Investors across its funding rounds include Sequoia Capital, Alibaba Entrepreneurs Fund, Credit Suisse and Allianz.

## Kin Score — 20.9 / 100 (emerging)

Scored 2026-08-19 under rubric 0.12.0. Trend: flat (+0.4 from 20.5).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 28.6 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Banking & Open Finance**: 39.2 (matched via tags).

## Agent readiness — 8.5 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| 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 |

## APIs (1)

- **WeLab Bank Open API** — WeLab Bank's Open API programme, published under the Hong Kong Monetary Authority Open API Framework and linked as "Open API" from the welab.bank site footer. The developer port...

## Security (2)

- **Welab Authentication** — mutualTLS · 1 scheme
- **Welab Domain Security** — TLSv1.3 · DNSSEC · DMARC

## Tags

fintech, digital-banking, virtual-bank, open-banking, hong-kong, indonesia, consumer-lending, payments, hkma-open-api, financial-services

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