Zest AI

Zest AI is an AI-powered lending technology company that provides credit underwriting, fraud detection, and lending intelligence software to credit unions, banks, and specialty lenders. Its machine-learning models automate credit decisioning and risk assessment, and the company reports operating over 600 active lending models in production. Zest AI operates as a B2B SaaS platform delivered to financial institutions rather than as a public developer API; no public developer portal, API documentation, OpenAPI specification, SDKs, or self-service developer surface were found during enrichment.

Zest AI is profiled on the APIs.io network. Tagged areas include Company, Lending, Credit Underwriting, Fraud Detection, and Artificial Intelligence.

Zest AI’s developer surface includes engineering blog and 3 more developer resources.

🌐 Visit website 📡 Source on GitHub
5.8/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0
0 APIs
CompanyLendingCredit UnderwritingFraud DetectionArtificial IntelligenceMachine-LearningFinancial-ServicesFintech

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0
Composite quality — 5.8/100 · minimal
Contract Quality 0.0 / 21
Developer Ergonomics 0.4 / 17
Access Clarity 1.8 / 17
Operational Transparency 0.0 / 11
Contract Governance 0.0 / 10
Discoverability 4.3 / 9
Regulatory Posture 2.3 / 15
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
Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.
The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/zest-ai: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Security Posture 1

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

Zest Ai Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

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)

apis.yml Raw ↑ 
aid: zest-ai
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/zest-ai.png
name: Zest AI
description: Zest AI is an AI-powered lending technology company that provides credit underwriting, fraud detection, and lending
  intelligence software to credit unions, banks, and specialty lenders. Its machine-learning models automate credit decisioning
  and risk assessment, and the company reports operating over 600 active lending models in production. Zest AI operates as
  a B2B SaaS platform delivered to financial institutions rather than as a public developer API; no public developer portal,
  API documentation, OpenAPI specification, SDKs, or self-service developer surface were found during enrichment.
url: https://raw.githubusercontent.com/api-evangelist/zest-ai/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- insight-partners
- lightspeed-venture-partners
- matrix-partners
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Lending
- Credit Underwriting
- Fraud Detection
- Artificial Intelligence
- Machine-Learning
- Financial-Services
- Fintech
tags_raw:
- Company
- Lending
- Credit Underwriting
- Fraud Detection
- Artificial Intelligence
- Machine Learning
- Financial Services
- Fintech
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/zest-ai-domain-security.yml
- type: Website
  url: https://zest.ai/
- type: Blog
  url: https://zest.ai/blog
- type: PrivacyPolicy
  url: https://zest.ai/privacy-policy
x-enrichment:
  date: '2026-07-21'
  status: minimal
  artifacts_added: 1
  pass: local-v1