emerging · 1.8

Credit

Score 21.4 / 100 97 providers 34 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: Creditcredit

Providers using this tag (97)

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

Exemplar 6 Complete, well-documented, and agent-ready
ShopifyCommerceE-CommercePaymentsRetail3 APIs84.0StripeCommerceFinancial-ServicesFintechPayments48 APIs80.6HighnoteCard IssuingCard AcquiringEmbedded FinanceBanking-as-a-Service1 API73.4MethodFiCompanyFintechLiability DataPayments2 APIs69.0PlaidFinancialFintechOpen BankingBank Accounts71 APIs68.7Hint HealthDirect Primary CareDPCHealthcareMembership Management2 APIs67.9
Strong 5 Solid coverage with minor gaps
KitaCompanyFintechLendingUnderwriting2 APIs66.4Dun & BradstreetBusiness DataCompany DataD-U-N-S Number1 API65.7Method FinancialCompanyFinancial-ServicesFintechLending1 API63.6SikoiaCompanyFinancial-ServicesIdentity VerificationKYC1 API56.2ResolveCompanyPaymentsB2BNet Terms2 APIs56.1
Developing 16 Usable, with meaningful gaps to close
AltScoreCompanyLendingFintech3 APIs52.1ConnexPayPaymentsVirtual CardsCard IssuingMerchant Acquiring10 APIs51.9LendAPICompanyLendingLoan OriginationFinancial-Services1 API51.2BondCompanyUnited StatesBanking as a ServiceEmbedded Finance9 APIs50.8DefactoCompanyFintechEmbedded FinanceLending1 API48.9Upward FinancialCompanyFintechCredit Building1 API47.8XentralCompanyERPE-CommerceFulfillment2 APIs46.8SlopeCompanyFintechPaymentsEmbedded Finance1 API45.8Synchrony FinancialFinancial-ServicesPaymentsConsumer Finance2 APIs45.7PinterestImageSocial-MediaVideos1 API44.5Capital OneAuto FinanceAuthorizationsBankingCredit Cards14 APIs44.4Credilinq.aiCompanyFintechEmbedded FinanceLending1 API43.8Cashplus BankFinancial-ServicesBankingOpen BankingPSD23 APIs41.7ThreddPaymentsUnited KingdomIssuer ProcessorCard Issuing10 APIs41.7Oper CreditsCompanyMortgagesLending4 APIs41.0agrioAgriculturePlant DiseasePest DetectionArtificial Intelligence1 API40.6
Thin 9 Limited public surface area
CyberSourcePaymentsPayment ProcessingFraud ManagementTokenization1 API38.8CelcoinBanking as a ServiceBaaSPixBoleto3 APIs37.7Lead BankBankingSponsor BankEmbedded FinanceBanking as a Service1 API34.6The Movie DatabaseEntertainmentMoviesTelevision1 API34.4Aaron'sLease-to-OwnRetailFurnitureElectronics1 API32.6Al-Farabi Kazakh National UniversityEducationHigher EducationUniversityResearch1 API31.7OrbiiCompanyArtificial IntelligenceLending3 APIs29.1AddiCompanyFintechPaymentsBuy Now Pay Later1 API26.8M1 FinanceInvestingFintechFractional SharesPortfolio-Management3 APIs26.2
Emerging 33 Early or largely undocumented
Alt BankCompanyFintechBanking1 API25.3KikoffCompanyFintechCredit Building1 API24.9BGC GroupBrokerageInter-Dealer BrokerFinancial-ServicesCapital Markets7 APIs24.8Episode SixCompanyPaymentsCard IssuingIssuer Processing2 APIs24.5WarblerlabsCompanyBlockchainDeFiFintech1 API23.5KaajCompanyFintechLendingUnderwriting1 API22.8FibeCompanyFintechLendingPersonal Loans1 API22.0KakaoBankBankingFinanceOpen BankingKorea5 APIs21.0Lane APIAsset LeasingLoans1 API20.6LendbuzzCompanyAuto LendingAutomotiveFinancial-Services20.23JaneCompanyCrypto DefiDeFiLending20.1Yubi (fka CredAvenue)CompanyFintechLendingDebt Markets20.1EsusuCompanyEnterpriseFintechFinancial-Services19.7Money ViewCompanyConsumerFintechLending19.2AsaasPaymentsBillingSubscriptionPix20 APIs19.1UpstartCompanyFintechLending1 API18.9TraiveCompanyAgricultureFintech16.6YubiCompanyFintechLending15.5Prism DataCompanyFinancial-ServicesFintechCash Flow Underwriting15.4EquifaxCredit HistoryCredit ReportingIdentity1 API14.9MoradoCompanyMarketplaceFintechBeauty14.9KredeteCompanyFinancial-ServicesPaymentsRemittance14.6CRS Credit APIConsumer CreditBusiness CreditIdentity3 APIs14.5Brookfield Asset ManagementAlternative AssetsAlternative InvestmentsAsset Management14.4Credi2CompanyEmbedded FinanceLendingBuy Now Pay Later13.9ZiroCompanyFintechLending13.3caimitechCompanyFintechPersonal FinanceWealth Management13.2LentraCompanyFintechLendingLoan Origination13.1OatfiCompanyFintechEmbedded FinanceB2B Payments13.1UniCompanyFintechCredit Cards13.1ClerkieCompanyFintechdebt-managementLending1 API13.0Warbler Labs IncorporatedCompanyDeFiBlockchainCrypto12.7Ares ManagementAlternative InvestmentPrivate Equity1 API11.2
Minimal 28 Almost no public developer surface
CreditasCompanyFintechLending10.8OnePayCompanyFintechMobile BankingPayments10.8ClearscoreCompanyCredit ScoreFintech10.7Mission LaneCompanyCredit CardsFintech10.7FindaCompanyFintechFinancial-ServicesLoans10.2WollitCompanyFintechCredit Building10.2DivineCompanyCryptoFintechLending10.0VelotaxCompanyFintechLending10.0KudosCompanyCredit CardsRewards9.8Odessa TechnologiesAsset FinanceLease ManagementLoan ManagementEquipment Finance10 APIs9.5OnecardCompanyFintechCredit Card9.1FundlyCompanyFintechLendingPayments8.6Bread FinancialBuy Now Pay LaterBNPLFinancingPayments2 APIs7.9ArroCompanyFinancial-ServicesFintech7.6InventaCompanyB2BCommerceMarketplace7.6TomoCreditCompanyFinancial-ServicesFintech7.6Yo FioCompanyFintechLending7.3VixtraCompanyPaymentsTrade FinanceFintech7.1Apollo Global ManagementAlternative InvestmentsAsset ManagementFinance6.9SlideRuleCompanyRiskFraudDecisioning6.9Fintech FarmCompanyBankingFinancial-ServicesNeobank6.5Gain CreditCompanyLendingFintech6.2TalaCompanyFinancial-ServicesFintechLending6.0cashbusCompanyFinancial-ServicesFintechLending5.0KatchCompanyAgricultureAgTechEmbedded Finance5.0Oaktree Capital GroupAsset ManagementCapitalFinance4.1ZetCompanyFintechCredit Cards3.2JumoCompanyFintechBanking as a ServiceFinancial-Services1.9

APIs with this tag (32)

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 5 Complete, well-documented, and agent-ready
Shopify Credit APIThe Credit API from Shopify — 12 operation(s) for credit.84.0Stripe Credit APIThe Credit API from Stripe — 6 operation(s) for credit.80.6Stripe Credit Notes APIIssue a credit note to adjust an invoice's amount after the invoice is finalized.80.6Highnote Issuing APICreate and configure card products (createCardProduct) for debit, credit, prepaid, fleet, and charge progra...73.4Hint Health Credit APIThe Credit API from Hint Health — 2 operation(s) for credit.67.9
Strong 1 Solid coverage with minor gaps
Kita Credit APIDeterministic credit picture — spread, adjustments, policy decision.66.4
Developing 7 Usable, with meaningful gaps to close
ConnexPay Credit APIThe Credit API from ConnexPay — 1 operation(s) for credit.51.9Bond Credit APIOpen and service credit accounts for credit-builder and secured charge card programs — submit credit applic...50.8Xentral Credit APIGet information about your current current and monthly credits regarding Report usage.46.8Pinterest Credit APIThe Credit API from Pinterest — 2 operation(s) for credit.44.5Capital One Real-Time Proactive Prescreen APIThe Capital One Real-Time Proactive Prescreen API lets approved partners assess consumer creditworthiness i...44.4Cashplus Eligibility APIFirst-party partner API for running credit card eligibility checks against Cashplus/Zempler credit products...41.7Thredd Credit APICredit account and credit-program endpoints for managing credit overviews and related credit issuing capabi...41.7
Thin 7 Limited public surface area
CyberSource credit APIA credit is a stand-alone transaction that is not linked to any previous transactions. It takes money from ...38.8Lead Bank Lend APIEmbedded-credit API supporting term loans, revolving lines of credit, in-app financing, and buy-now-pay-lat...34.6The Movie Database Credit APIThe Credit API from The Movie Database — 1 operation(s) for credit.34.4Aaron's Lease ApplicationAaron's online lease application and approval system enabling customers to apply for lease-to-own financing...32.6Al-Farabi Kazakh National University credit APIThe credit API from Al-Farabi Kazakh National University — 7 operation(s) for credit.31.7Addi Credit & Checkout APIREST API that lets e-commerce merchants create Addi buy-now-pay-later credit applications at checkout. Auth...26.8M1 BorrowM1 Borrow provides a portfolio line of credit (margin loans) allowing users to borrow up to 50% of their el...26.2
Emerging 11 Early or largely undocumented
GUARD APIReal-time consumer credit underwriting / risk-assessment API. Partners POST an underwriting request for a c...25.3Kikoff Enterprise APIUnified REST API for embedding credit-building infrastructure, covering member enrollment, tradeline furnis...24.9CapitalabCapitalab is BGC's post-trade compression, optimization and risk-mitigation arm. It executes initial margin...24.8Lucera LumeMarketsLucera is BGC's financial technology subsidiary offering a "high-performance, low latency platform that pro...24.8Kaaj Underwriting APIKaaj's REST API for submitting borrower application packages and receiving decision-ready credit analysis, ...22.8KakaoBank Loan APIREST API for loan origination and management including credit loans, business owner credit loans, and housi...21.0Lane API Credit APIThe Credit API from Lane API — 4 operation(s) for credit.20.6Asaas Anticipations (Antecipação) APIAnticipate future receivables - boleto, card, and Pix - to receive funds before the original settlement dat...19.1Equifax APIThe Equifax API platform provides programmatic access to Equifax's consumer credit information, including c...14.9CRS Credit Data APISingle-contract API providing access to consumer and business credit reports across major bureaus (Equifax,...14.5Ares Management APIThe Ares Management API provides access to platform services and data for enterprise integration and automa...11.2
Minimal 1 Almost no public developer surface
OriginationsDigital lease and loan origination spanning program configuration (manufacturers, asset types, fee models, ...9.5

Score breakdown

Frequency
57.7
log-scaled weighted occurrences
Breadth
2.7
spread across providers
Quality lift
31.8
mean composite of providers using it
Cohesion
0.0
strength of nearest seed neighbor

Related tags

Lending 45 co-occurrences Consumer Finance 16 co-occurrences Embedded Finance 16 co-occurrences Credit Cards 10 co-occurrences Credit Building 6 co-occurrences Banking as a Service 8 co-occurrences Card Issuing 6 co-occurrences ACH 7 co-occurrences

Where this tag comes from

Provider tag74
Api tag34
Openapi tag11
Openapi op tag45

Cohort brief

Auto-generated

The 97 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
97
all scored
Mean Kin Score
26.4
+5.7 vs catalog 20.7
Mean Agent Readiness
13.8
+4.1 vs catalog 9.7
Spread
1.9–83.2
median 19.4 · σ 20.5
How the 97 split by band
Exemplar 7Strong 5Developing 16Thin 7Emerging 32Minimal 30
Facet averages, against the whole catalog
FacetThis cohortCatalogDifferenceScored
Access Clarity 29.1 22.3 +6.8 97
Developer Ergonomics 24.4 17.9 +6.5 97
Contract Quality 22.8 17.5 +5.3 97
Operational Transparency 15.2 11.3 +3.9 97
Contract Governance 10.2 6.4 +3.8 97
Discoverability 64 60.4 +3.6 97

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) 28% 16% +12
MCP server (first-party) 12% 7% +5
Agent Skills 0% 0% 0
OAuth scopes 11% 9% +2
Security 96% 88% +8
Arazzo workflows 5% 2% +3
Governance rules 10% 13% -3

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 Stripe 83.2
  2. 2 Highnote 75.4
  3. 3 Hint Health 73
  4. 4 MethodFi 71.4
  5. 5 Plaid 68.2
  6. 6 Dun & Bradstreet 67.9
  7. 7 Kita 67.7
  8. 8 Method Financial 65.6
  9. 9 Shopify 60.4
  10. 10 Sikoia 58.3
Top by Agent Readiness
  1. 1 Method Financial 50.6
  2. 2 Stripe 47.8
  3. 3 Xentral 46.4
  4. 4 Hint Health 44
  5. 5 Dun & Bradstreet 43.2
  6. 6 Resolve 42.2
  7. 7 ConnexPay 41.2
  8. 8 Shopify 40.6
  9. 9 Kita 39.6
  10. 10 Sikoia 39
All 97 members of this roster resolve to a scored provider in the catalog.Generated from the catalog build of 25 August 2026, across 26891 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.

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