Yo Fio

YoFio is a Mexican fintech founded in 2019 that provides working-capital credit to micro and small businesses, particularly neighborhood corner stores (tienditas). Through a mobile app and web platform it offers revolving credit lines of 7,000 to 200,000 Mexican pesos with up to 14 days of interest-free financing so merchants can restock inventory and pay suppliers. YoFio uses AI-powered machine-vision technology to assess creditworthiness from photos and videos of a store and its inventory, cutting the evaluation process to roughly 15 minutes. It is backed by 500 Global and Oikocredit, and serves thousands of businesses across the Valley of Mexico, Puebla, and Guadalajara. YoFio publishes no public API or developer platform; this profile captures its identity and public web surface.

Yo Fio is profiled on the APIs.io network. Tagged areas include Company, Fintech, Lending, Credit, and SME Finance.

Yo Fio’s developer surface includes engineering blog, signup flow, and 3 more developer resources.

🌐 Visit website 📡 Source on GitHub

7.3/100 minimal ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

0 APIs

Company Fintech Lending Credit SME Finance Financial Inclusion Microfinance Mexico

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 7.3/100 · minimal

Contract Quality 0.0 / 25

Developer Ergonomics 0.2 / 20

Access Clarity 2.1 / 20

Operational Transparency 0.0 / 13

Contract Governance 0.0 / 12

Discoverability 5.0 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 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 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/yo-fio: 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 →

Security Posture 1

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

Yo Fio Domain Security

no transport/DNS hardening detected

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

SignUp

SignUp

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: yo-fio
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/yo-fio.png
name: Yo Fio
description: YoFio is a Mexican fintech founded in 2019 that provides working-capital credit to micro and small businesses,
  particularly neighborhood corner stores (tienditas). Through a mobile app and web platform it offers revolving credit lines
  of 7,000 to 200,000 Mexican pesos with up to 14 days of interest-free financing so merchants can restock inventory and pay
  suppliers. YoFio uses AI-powered machine-vision technology to assess creditworthiness from photos and videos of a store
  and its inventory, cutting the evaluation process to roughly 15 minutes. It is backed by 500 Global and Oikocredit, and
  serves thousands of businesses across the Valley of Mexico, Puebla, and Guadalajara. YoFio publishes no public API or developer
  platform; this profile captures its identity and public web surface.
url: https://raw.githubusercontent.com/api-evangelist/yo-fio/refs/heads/main/apis.yml
x-api-posture: no-product-api
x-api-posture-basis: observed
x-api-posture-note: YoFio publishes no public API or developer platform; this profile captures its identity and public web
  surface.
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Fintech
- Lending
- Credit
- SME Finance
- Financial Inclusion
- Microfinance
- Mexico
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/yo-fio-domain-security.yml
- type: Website
  url: https://yofio.co
- type: Blog
  url: https://blog.yofio.app/
- type: PrivacyPolicy
  url: https://mx.yofio.app/aviso-de-privacidad
- type: SignUp
  url: https://prod.registration-lp.web.yofio.app/home
x-enrichment:
  date: '2026-07-21'
  status: minimal
  artifacts_added: 1
  pass: local-v1

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