# Yo Fio

**Canonical:** https://apis.io/providers/yo-fio/  
**Website:** https://yofio.co  
**APIs profiled:** 0

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.

## Kin Score — 7.3 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 7.3).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 1.2 |
| Commercial Clarity | 10.5 |
| Access Clarity | 10.5 |

## Agent readiness — 0.0 (human-only)

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

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Yo Fio Domain Security** — no transport/DNS hardening detected

## Tags

Company, Fintech, Lending, Credit, SME Finance, Financial Inclusion, Microfinance, Mexico

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