# Xflow

**Canonical:** https://apis.io/providers/xflow/  
**Website:** https://www.xflowpay.com  
**APIs profiled:** 18

Xflow is a cross-border payments platform for Indian businesses, freelancers, and exporters, enabling them to receive international payments through local collection accounts (ACH in the US, SEPA in the EU) with one-day INR settlement, transparent FX at mid-market rates, and automated FIRA and compliance reporting. The Xflow REST API exposes accounts, receivables, payment links, deposits, payouts, transfers, balances, exchange rates, and webhook endpoints so platforms and payment aggregators can embed compliant India-bound money movement.

## Kin Score — 52.3 / 100 (developing)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 52.3).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 62.7 |
| Governance | 20.8 |
| Operational Transparency | 13.2 |
| Developer Ergonomics | 73.4 |
| Commercial Clarity | 52.6 |

Regulatory layer — **Payments**: 46.9 (matched via tags).

## Agent readiness — 40.3 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| MCP Server | derived |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| 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 (18)

- **Xflow Accounts API** — The Accounts API from Xflow — 4 operation(s) for accounts.
- **Xflow AccountSettings API** — The AccountSettings API from Xflow — 3 operation(s) for accountsettings.
- **Xflow Addresses API** — The Addresses API from Xflow — 2 operation(s) for addresses.
- **Xflow Balance API** — The Balance API from Xflow — 2 operation(s) for balance.
- **Xflow BalanceTransactions API** — The BalanceTransactions API from Xflow — 2 operation(s) for balancetransactions.
- **Xflow Deposits API** — The Deposits API from Xflow — 2 operation(s) for deposits.
- **Xflow Events API** — The Events API from Xflow — 2 operation(s) for events.
- **Xflow ExchangeRates API** — The ExchangeRates API from Xflow — 2 operation(s) for exchangerates.
- **Xflow FeePlans API** — The FeePlans API from Xflow — 2 operation(s) for feeplans.
- **Xflow Files API** — The Files API from Xflow — 3 operation(s) for files.
- **Xflow PaymentLinks API** — The PaymentLinks API from Xflow — 6 operation(s) for paymentlinks.
- **Xflow Payments API** — The Payments API from Xflow — 2 operation(s) for payments.
- **Xflow Payouts API** — The Payouts API from Xflow — 2 operation(s) for payouts.
- **Xflow Persons API** — The Persons API from Xflow — 2 operation(s) for persons.
- **Xflow Quotes API** — The Quotes API from Xflow — 1 operation(s) for quotes.
- **Xflow Receivables API** — The Receivables API from Xflow — 5 operation(s) for receivables.
- **Xflow Transfers API** — The Transfers API from Xflow — 2 operation(s) for transfers.
- **Xflow WebhookEndpoints API** — The WebhookEndpoints API from Xflow — 4 operation(s) for webhookendpoints.

## MCP servers (1)

- **Xflow MCP candidate manifest**

## Agentic access (1)

- **Xflow Agentic Access** — 71 operations · 34 acting

## Security (2)

- **Xflow Authentication** — http · 1 scheme
- **Xflow Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Payments, Cross-Border Payments, Fintech, India, Foreign Exchange, Invoicing, Payouts

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