# Ziro

**Canonical:** https://apis.io/providers/ziro/  
**Website:** https://somosziro.com  
**APIs profiled:** 0

Zíro (somosziro.com) is a Colombian fintech that provides interest-free credit for small retailers in the traditional commerce channel. Its platform lets distributors and manufacturers extend "crédito sin intereses" to the small shops they supply, while the supplier receives guaranteed payment and Zíro assumes the credit risk. The service bundles identity verification (Colombian cédula), automated credit evaluation, and fraud prevention into the ordering flow. Zíro is a 500 Global portfolio company. As of this enrichment pass the company exposes only a public marketing site and a customer-facing credit application (an Angular SPA at creditos.somosziro.com); no public developer portal, API documentation, OpenAPI/AsyncAPI specification, SDK, or MCP server was found. The api.somosziro.com host exists but responds 403 (internal, not publicly documented).

## Kin Score — 13.3 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 13.3).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 4.8 |
| Commercial Clarity | 44.7 |
| Access Clarity | 44.7 |

Regulatory layer — **Payments**: 21.9 (matched via tags).

## 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)

- **Ziro Domain Security** — TLSv1.3 · HSTS

## Tags

Company, Fintech, Credit, Lending, Embedded Finance, Payments, SMB, Colombia, Latin America

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