# Xfers

**Canonical:** https://apis.io/providers/xfers/  
**Website:** https://xfers.com  
**APIs profiled:** 20

Xfers is a Southeast Asian payments infrastructure company founded in Singapore in 2015 and backed by 500 Global, providing bank-transfer collection, payouts, escrow-style wallets, and lending disbursement APIs across Singapore and Indonesia. Xfers merged with Payfazz in 2022 to form the Fazz Financial Group, with its regulated Singapore dollar stablecoin and payments business continuing as StraitsX; the Xfers v3 API documentation for Singapore and Indonesia remains published at docs.xfers.io.

## Kin Score — 28.6 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 28.6).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 58.8 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 18.4 |
| Developer Ergonomics | 26.2 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Payments**: 25.0 (matched via tags).

## Agent readiness — 44.8 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | verified |
| Error Semantics | no |
| OpenAPI Examples | verified |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (20)

- **Xfers Bank Account API** — API to manage Bank Account
- **Xfers Charge API** — API for Charges
- **Xfers Convenience Store Transfers API** — The Convenience Store Transfers API from Xfers — 1 operation(s) for convenience store transfers.
- **Xfers cutting_edge API** — The cutting_edge API from Xfers — 2 operation(s) for cutting_edge.
- **Xfers Direct Bank Transfer Payments API** — The Direct Bank Transfer Payments API from Xfers — 1 operation(s) for direct bank transfer payments.
- **Xfers Disbursements API** — API for Disbursement
- **Xfers E-signature API** — API for e-signature
- **Xfers Fixed Virtual Account Bank Transfers API** — The Fixed Virtual Account Bank Transfers API from Xfers — 2 operation(s) for fixed virtual account bank transfers.
- **Xfers Intents API** — **For user case 1:** When a user is performing a top-up via [GET /transfer_info](http://docs.xfers.io/#get-transfer-info), they might forget to enter their contact number which ...
- **Xfers Loans API** — Loans Management
- **Xfers Modify Payments API** — The Modify Payments API from Xfers — 1 operation(s) for modify payments.
- **Xfers Payment Queries API** — The Payment Queries API from Xfers — 1 operation(s) for payment queries.
- **Xfers Payment Queries (Hide first) API** — The Payment Queries (Hide first) API from Xfers — 1 operation(s) for payment queries (hide first).
- **Xfers Payout API** — API for Payout
- **Xfers Registration API** — Register and verify new users.
- **Xfers Repayments API** — API for Repayment
- **Xfers Testing API** — API for testing purposes
- **Xfers Unique Amount Bank Transfers API** — The Unique Amount Bank Transfers API from Xfers — 1 operation(s) for unique amount bank transfers.
- **Xfers User Account API** — Manage User and Accounts
- **Xfers Withdraw API** — API for Withdrawal

## MCP servers (1)

- **Xfers MCP Server**

## Security (2)

- **Xfers Authentication** — apiKey/http · 4 schemes
- **Xfers Domain Security** — TLSv1.3 · DNSSEC · DMARC

## Tags

Payments, Fintech, Bank Transfers, Digital Wallet, Lending, Singapore, Indonesia, Southeast Asia

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