emerging · 0.0 capability resource

Credit

Score 22.8 / 100 76 providers +71 via APIs 80 APIs Search apis.io →
Business capabilities this tag reaches
Student Enrolment & Records Management 1 Credit & Lending Management 1 Payments & Card Management 1
Variants seen in the corpus: CreditsCredit

Providers using this tag (76)

Ranked by API Evangelist rating — Exemplar and Strong are expanded by default.

Exemplar 2 Complete, well-documented, and agent-ready
Method FinancialCompanyFintechLiability DataPayments2 APIs67.3HighnoteCard IssuingCard AcquiringEmbedded FinanceBanking as a Service1 API67.0
Strong 4 Solid coverage with minor gaps
Dun & BradstreetBusiness DataCompany DataD-U-N-S Number1 API66.4ResolveCompanyPaymentsB2BNet Terms2 APIs63.7ReefAPIWeb DataData AggregationWeb ScrapingSERP1 API57.7BudgetPixelGenerative AIAI Image GenerationAI Video GenerationAI Music Generation2 APIs54.3
Developing 12 Usable, with meaningful gaps to close
SikoiaCompanyFinancial ServicesIdentity VerificationKYC1 API53.1Upward FinancialCompanyFintechCredit Building1 API48.4BondCompanyUnited StatesBanking as a ServiceEmbedded Finance9 APIs48.2AltScoreCompanyLendingFintech3 APIs47.9LendAPICompanyLendingLoan OriginationFinancial Services1 API47.7EquifaxCredit HistoryCredit ReportingIdentity1 API47.3SlopeCompanyFintechPaymentsEmbedded Finance1 API45.4DefactoCompanyFintechEmbedded FinanceLending1 API45.3Synchrony FinancialFinancial ServicesPaymentsConsumer Finance2 APIs42.0Oper CreditsCompanyMortgageLending4 APIs41.6Credilinq.aiCompanyFintechEmbedded FinanceLending1 API40.4TietoEVRYCompanyBankingOpen BankingPSD252 APIs39.5
Thin 2 Limited public surface area
CelcoinBanking as a ServicePixBoletoTED3 APIs35.8OrbiiCompanyArtificial IntelligenceLending3 APIs27.0
Emerging 33 Early or largely undocumented
AddiCompanyFintechPaymentsBuy Now Pay Later1 API25.9FibeCompanyFintechLendingPersonal Loans1 API25.4KikoffCompanyFintechCredit Building1 API25.3Alt BankCompanyFintechBanking1 API23.5WarblerlabsCompanyBlockchainDeFiFintech1 API22.9Episode SixCompanyPaymentsCard IssuingIssuer Processing2 APIs22.5Lane APIAsset LeasingLoans1 API22.2EsusuCompanyEnterpriseFintechFinancial Services21.6LendbuzzCompanyAuto LendingAutomotiveFinancial Services21.0Apollo Global ManagementAlternative InvestmentsAsset ManagementFinance1 API20.5Ares ManagementAlternative InvestmentPrivate EquityReal Estate19.83JaneCompanyCrypto DefiDeFiLending19.6TraiveCompanyAgricultureFintech19.3UpstartCompanyFintechLending1 API18.2Money ViewCompanyConsumerFintechLending17.7Prism DataCompanyFinancial ServicesFintechCash Flow Underwriting16.5YubiCompanyFintechLending15.7BranchintlFintechMobileEmerging Markets15.5MoradoCompanyMarketplaceFintechBeauty14.8KredeteCompanyFinancial ServicesPaymentsRemittances14.5ZiroCompanyFintechLending13.6Credi2CompanyEmbedded FinanceLendingBuy Now Pay Later13.5UniCompanyFintechCredit Cards13.4LentraCompanyFintechLendingLoan Origination13.1OatfiCompanyFintechEmbedded FinanceB2B Payments12.9ClerkieCompanyFintechDebt ManagementLending1 API12.8CRS Credit APIConsumer CreditBusiness CreditIdentity3 APIs12.8caimitechCompanyFintechPersonal FinanceWealth Management12.4AgrolendCompanyAgricultureAgTechFinancial Services11.6Biz2CreditFinanceLendingSmall BusinessOnline Loans11.5OnePayCompanyFintechMobile BankingPayments11.1ClearscoreCompanyCredit ScoreFintech11.0Mission LaneCompanyCredit CardsFintech11.0
Minimal 23 Almost no public developer surface
CreditasCompanyFintechLending10.9KudosCompanyCredit CardsRewards10.1FindaCompanyFintechFinancial ServicesLoans9.7WollitCompanyFintechCredit Building9.7DivineCompanyCryptoFintechLending9.6VelotaxCompanyFintechLending9.5OnecardCompanyFintechCredit Cards9.4FundlyCompanyFintechLendingPayments8.9TomoCreditCompanyFinancial ServicesFintech8.6ArroCompanyFinancial ServicesFintech8.0VixtraCompanyPaymentsTrade FinanceFintech7.8Fintech FarmCompanyBankingFinancial ServicesNeobank7.0TalaCompanyFinancial ServicesFintechLending6.7InventaCompanyB2BCommerceMarketplace6.5Yo FioCompanyFintechLending6.3SlideRuleCompanyRisk ManagementFraud PreventionDecisioning5.3Gain CreditCompanyLendingFintech4.6Brookfield Asset ManagementAlternative AssetsAlternative InvestmentsAsset Management4.5ZetCompanyFintechCredit Cards4.5cashbusCompanyFinancial ServicesFintechLending3.4JumoCompanyFintechBanking as a ServiceFinancial Services3.0KatchCompanyAgricultureAgTechEmbedded Finance2.5Oaktree Capital GroupAsset ManagementCapitalFinance2.5

APIs with this tag (78)

Ranked by the provider's API Evangelist rating — the Kin Score is scored per provider, not per API, so every API of a provider shares its band. How the rating works →

Exemplar 7 Complete, well-documented, and agent-ready
Stripe Credit Notes APIIssue a credit note to adjust an invoice's amount after the invoice is finalized.82.1ActiveCampaign Credits APIThe Credits API from ActiveCampaign — 1 operation(s) for credits.78.1IBANforge Credits APIPrepaid credit bundles — pay once in USDC (x402), get an API key with N credits; batch validation debits 1 ...74.0Stax Credit APIThe Credit API from Stax — 1 operation(s) for credit.72.4Hint Health Credit APIThe Credit API from Hint Health — 2 operation(s) for credit.69.5SimilarWeb Credits APIBatch API credit management68.7Explorium Credits APIInspect the shared credit pool that meters all Explorium API usage, including the credit menu and consumpti...66.5
Strong 13 Solid coverage with minor gaps
NexGen Cloud Credit APICredit endpoints retrieve your account's current credit balance. Credits are consumed by resource usage and...66.4FullEnrich Account APICheck the workspace credit balance before spending, and validate that an API key is active. Both operations...62.2LeafLink Credits APIThe Credit model represents credits granted by a seller company to a customer for use in future purchases. ...61.5Kita Credit APIDeterministic credit picture — spread, adjustments, policy decision.60.8Affinda Usage APIRetrieve daily credits consumption for the organization across all workspaces and document types. Used for ...60.4FIS Global Credit APIThe Credit API from FIS Global — 2 operation(s) for credit.58.6Monocrawl Credits APIThe Credits API from Monocrawl — 2 operation(s) for credits.57.2SoFi Technologies Credit APIThe Credit API from SoFi Technologies — 8 operation(s) for credit.56.9Paid Credits APIThe credits API from Paid — 2 operation(s) for credits.56.8Pomo Credits APIThe credits API from Pomo — 7 operation(s) for credits.56.2The Movie Database Credit APIThe Credit API from The Movie Database — 1 operation(s) for credit.54.6OKKI Go Credits APIThe Credits API from OKKI Go (go.okki.ai) — 1 operation returning remaining company-search points and EDM e...54.5Xentral Credit APIGet information about your current current and monthly credits regarding Report usage.54.5
Developing 22 Usable, with meaningful gaps to close
Advanced Micro Devices Credits APICloud credit balance and usage54.1TIDAL Credits APIThe credits API from TIDAL — 4 operation(s) for credits.54.1Helicone Credits APIThe Credits API from Helicone — 6 operation(s) for credits.53.0Spreedly Credit APIThe credit API from Spreedly — 1 operation(s) for credit.52.9ConnexPay Credit APIThe Credit API from ConnexPay — 1 operation(s) for credit.52.0MonetizeNow Credit APICredits can be used to adjust account balances.51.8Togai Credits APICredits API50.4D-ID Credits APIRetrieve account credit balance49.7Octav Credits APICredit balance endpoints49.3OpenRouter Credits APIAccount credit balance and usage.48.7Bond Credit APIOpen and service credit accounts for credit-builder and secured charge card programs — submit credit applic...48.2Equifax APIThe Equifax API platform provides programmatic access to Equifax's consumer credit information, including c...47.3Shift4 Payments Credits APISend funds (credits) to recipients.46.8Schematic Credits APIThe credits API from Schematic — 20 operation(s) for credits.46.1M3ter Credits APIEndpoints for Credit line item related operations such as creation, update, list and delete. These are line...44.2Luma AI Credits APIThe Credits API from Luma AI — 1 operation(s) for credits.43.8Jinba Credits APIThe Credits API from Jinba — 1 operation(s) for credits.43.5fabric Credits APICredits are refunds to customers, often in the form of gift cards or credit notes, when customers have made...43.2Keboola Credits APIThe Credits API from Keboola — 1 operation(s) for credits.42.6Tribe Payments Credit APIThe Credit API from Tribe Payments — 2 operation(s) for credit.41.3Al-Farabi Kazakh National University Credit APIThe credit API from Al-Farabi Kazakh National University — 7 operation(s) for credit.39.5Tietoevry Credit CloudA credit platform used by banks and financial institutions in 20+ countries to manage virtually any type of...39.5
Thin 20 Limited public surface area
PDFShift Credits APIThe credits API from PDFShift — 1 operation(s) for credits.39.0Orb Credits APIThe Credits API from Orb — 4 operation(s) for credits.38.8CyberSource Credit APIA credit is a stand-alone transaction that is not linked to any previous transactions. It takes money from ...38.1Linkup Credits APIThe Credits API from Linkup — 1 operation(s) for credits.37.9Thredd Credit APICredit account and credit-program endpoints for managing credit overviews and related credit issuing capabi...37.8Cashplus Eligibility APIFirst-party partner API for running credit card eligibility checks against Cashplus/Zempler credit products...37.1Aaron's Lease ApplicationAaron's online lease application and approval system enabling customers to apply for lease-to-own financing...36.0Mindlogic Credits APIThe Credits API from Mindlogic — 1 operation(s) for credits.35.7Quaderno Credits APICredit notes issued against invoices.35.4Vantiv Credits APIRefunds and credits to cardholder accounts35.1Capital One Real-Time Proactive Prescreen APIThe Capital One Real-Time Proactive Prescreen API lets approved partners assess consumer creditworthiness i...33.5Lead Bank Lend APIEmbedded-credit API supporting term loans, revolving lines of credit, in-app financing, and buy-now-pay-lat...32.8Ordway Credits APIManage customer credits32.7Galatea Bio Credit APIThe credit API from Galatea Bio — 14 operation(s) for credit.32.1Octane Credits APIManage customer credit grants and ledgers31.8ADRO Credits APIThe credits API from ADRO — 11 operation(s) for credits.31.5World Bank Finances APIProvides programmatic access to World Bank financial data including loans, credits, trust funds, budget dat...30.7Respeecher Credits APIThe credits API from Respeecher — 1 operation(s) for credits.29.7Kaaj Underwriting APIKaaj's REST API for submitting borrower application packages and receiving decision-ready credit analysis, ...28.8Forithmus Credits APIThe credits API from Forithmus — 16 operation(s) for credits.26.9
Emerging 14 Early or largely undocumented
Addi Credit & Checkout APIREST API that lets e-commerce merchants create Addi buy-now-pay-later credit applications at checkout. Auth...25.9Kikoff Enterprise APIUnified REST API for embedding credit-building infrastructure, covering member enrollment, tradeline furnis...25.3M1 BorrowM1 Borrow provides a portfolio line of credit (margin loans) allowing users to borrow up to 50% of their el...25.2GUARD APIReal-time consumer credit underwriting / risk-assessment API. Partners POST an underwriting request for a c...23.5CapitalabCapitalab is BGC's post-trade compression, optimization and risk-mitigation arm. It executes initial margin...23.4Lucera LumeMarketsLucera is BGC's financial technology subsidiary offering a "high-performance, low latency platform that pro...23.4NoBueno Credits APIThe credits API from NoBueno — 2 operation(s) for credits.23.0Lane API Credit APIThe Credit API from Lane API — 4 operation(s) for credit.22.2Tripo OpenAPI User Balance APIReturns the calling API key's remaining credit balance and any frozen credits held against in-flight tasks....22.0Glofox Memberships, Plans & Credits APIManage Plans (the terms, duration, and pricing of a service offering), a member's Membership against a give...21.2World Labs Credits APIThe credits API from World Labs — 1 operation(s) for credits.21.0KakaoBank Loan APIREST API for loan origination and management including credit loans, business owner credit loans, and housi...20.8Asaas Anticipations (Antecipação) APIAnticipate future receivables - boleto, card, and Pix - to receive funds before the original settlement dat...19.6CRS Credit Data APISingle-contract API providing access to consumer and business credit reports across major bureaus (Equifax,...12.8
Minimal 2 Almost no public developer surface
OriginationsDigital lease and loan origination spanning program configuration (manufacturers, asset types, fee models, ...8.0Wren Credits APIManage the prepaid credit balance4.1

Companies reaching this through an API (71)

These companies publish an API, specification or operation carrying “Credit” but do not classify their business under it. Listed unranked and kept out of the count above, because one tagged operation is not a statement about what a company does.

Aaron's ActiveCampaign ADRO Advanced Micro Devices Affinda Al-Farabi Kazakh National University Asaas Atomadic Tech BGC Group Capital One Cashplus Bank ConnexPay CyberSource D-ID Explorium fabric FIS Global Forithmus FullEnrich Galatea Bio Glofox Helicone Hint Health IBANforge Jinba Kaaj KakaoBank Keboola Kita Lead Bank LeafLink Linkup Luma AI M1 Finance M3ter Mindlogic MonetizeNow Monocrawl NexGen Cloud NoBueno Octane Octav Odessa Technologies OpenRouter Orb Ordway Paid PDFShift Pomo Quaderno
Show all 71 companies ↓
Respeecher Schematic Shift4 Payments SimilarWeb SoFi Technologies Spreedly Stax Stripe The Movie Database Thredd TIDAL Togai Tribe Payments Tripo AI Vantiv Vantor World Bank World Labs Wren Xentral Xiaoman (OKKI)

Score breakdown

Frequency
64.0
log-scaled weighted occurrences
Breadth
2.0
spread across providers
Quality lift
27.6
mean composite of providers using it
Cohesion
5.3
strength of nearest seed neighbor

Related tags

Lending 45 co-occurrences Consumer Finance 16 co-occurrences Credit Cards 12 co-occurrences Banking as a Service 11 co-occurrences Embedded Finance 16 co-occurrences Invoices 19 co-occurrences ACH 9 co-occurrences Card Issuing 8 co-occurrences

Where this tag comes from

Provider tag76
Api tag79
Openapi tag47
Openapi op tag151

Cohort brief

Auto-generated

The 73 providers in the APIs.io catalog tagged Credit, scored on the Kin Score. Every figure below is computed from the catalog — nothing here is written.

Providers
73
of 76 in the catalog
Mean Kin Score
23.2
+0.3 vs catalog 22.9
Mean Agent Readiness
11.8
-0.1 vs catalog 11.9
Spread
2.5–67.3
median 15.7 · σ 17.8
How the 73 split by band
Exemplar 2Strong 4Developing 12Thin 2Emerging 33Minimal 20
Facet averages, against the whole catalog
FacetThis cohortCatalogDifferenceScored
Access Clarity 29.1 26.5 +2.6 73
Discoverability 60 58.1 +1.9 73
Contract Governance 7.8 6.3 +1.5 73
Operational Transparency 13.3 13.7 -0.4 73
Developer Ergonomics 21.9 23.2 -1.3 73
Contract Quality 15.8 17.6 -1.8 73

A facet is averaged over the members that carry it, not over the whole cohort — the “Scored” column is that count. Averaging an absent facet as zero would score our own coverage gaps as the providers’ posture.

What this cohort publishes
ArtifactThis cohortCatalogDifference
MCP server (any) 14% 14% 0
MCP server (first-party) 12% 12% 0
Agent Skills 0% 0% 0
OAuth scopes 14% 11% +3
Security 100% 98% +2
Arazzo workflows 4% 2% +2
Governance rules 3% 14% -11

mcp_pct counts any mcp/ artifact including ones API Evangelist derived from the provider OpenAPI; mcp_first_party_pct counts only servers the provider publishes. Prefer the latter.

Top by Kin Score
  1. 1 Method Financial 67.3
  2. 2 Highnote 67
  3. 3 Dun & Bradstreet 65.9
  4. 4 Resolve 63.7
  5. 5 ReefAPI 57.7
  6. 6 BudgetPixel 54.3
  7. 7 Sikoia 53.1
  8. 8 Bond 48.2
  9. 9 AltScore 47.9
  10. 10 Upward Financial 47.9
Top by Agent Readiness
  1. 1 Resolve 62.1
  2. 2 BudgetPixel 55.3
  3. 3 Dun & Bradstreet 42.3
  4. 4 Method Financial 39.4
  5. 5 Sikoia 39
  6. 6 Credilinq.ai 37.2
  7. 7 Slope 35.4
  8. 8 LendAPI 35.1
  9. 9 ReefAPI 34.9
  10. 10 Highnote 32.9
All 76 members of this roster resolve to a provider in the catalog; 73 carry a score (96%). The figures above describe the scored members only.
Coverage caveat. 68 of 73 scored members had under half their catalog-attributable points satisfied at all (catalog_earned / catalog_max < 0.5). They are INCLUDED in the mean above. A large share here means the cohort mean is partly a measurement of how far our enrichment reached, not only of how these providers publish.Generated from the catalog build of 5 October 2026, across 29093 providers, using the same computation served by the APIs.io cohort API. Briefs are published for rosters of 5 or more scored providers; below that a distribution is not meaningful.

Work with this as data

Every tag here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for tags

7 MCP tools reach this
  • find_tagsBrowse and filter every tag in the catalog.
  • get_cohortThis tag as a scored cohort — every provider carrying it, with scores.
  • cohort_statsPRO — the distribution across this tag: mean, median, band split, adoption rates.
  • cohort_rankingsPRO — the leaderboard, on composite AND agent-readiness axes.
  • apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
  • resolveTurn a domain, URL or GitHub org into the provider it belongs to.
  • find_cohortsEvery scored population of providers in the catalog.
All 92 tools →

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