Australian Payments
Grouped by Kin Score band and ranked by composite score within each, with the separate agent-readiness score alongside. Click the scores on any row to open the full facet and dimension breakdown behind both numbers, and click again to close it.
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18 providers · 2 standards and regulatory bodies listed separately below
Exemplar 1 66.5+ Reference-quality API operations across every facet.
1
Airwallex Exemplar agent native Cross-Border & Money Movement
Airwallex is a financial technology company that specializes in providing global payment solutions for businesses. Their platform enables companies to accept...
Composite
91.4
Agent
43.8
Kin Score
How this is scored →scored 2026-09-10 · rubric v0.20.0
Composite quality — 91.4/100 · exemplar
Contract Quality
17.3 / 25
Developer Ergonomics
19.2 / 20
Access Clarity
20.0 / 20
Operational Transparency
12.3 / 13
Contract Governance
5.6 / 12
Discoverability
7.6 / 10
Regulatory · Payments
15.0 / 15
Agent readiness — 44/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server documented
4.8 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples documented
1.8 / 7
Rate-Limit Signaling documented
3.5 / 7
Typed Event Surface
6 / 6
Agent Skills
5 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
5.0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
Strong 4 54.3 – 66.4 Solid contracts, transparent operations, and an easy start.
2
Weel Strong agent aware Spend, AP & AR
Weel (formerly DiviPay, operated by Weel Pty Ltd) is a Melbourne-based all-in-one spend management platform for finance teams in Australia and New Zealand, s...
Composite
57.6
Agent
25.3
Kin Score
How this is scored →scored 2026-09-10 · rubric v0.20.0
Composite quality — 57.6/100 · strong
Contract Quality
14.4 / 25
Developer Ergonomics
11.8 / 20
Access Clarity
12.1 / 20
Operational Transparency
3.4 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Payments
8.4 / 15
Agent readiness — 25/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples partial
3.5 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
0 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
3
Fat Zebra Strong agent ready Gateways & PSPs
Fat Zebra is an Australian payments company (founded 2012, Sydney) providing a card-present and card-not-present payment gateway and processing platform for ...
Composite
55.7
Agent
35.4
Kin Score
How this is scored →scored 2026-09-10 · rubric v0.20.0
Composite quality — 55.7/100 · strong
Contract Quality
16.5 / 25
Developer Ergonomics
10.8 / 20
Access Clarity
9.2 / 20
Operational Transparency
5.6 / 13
Contract Governance
2.2 / 12
Discoverability
8.2 / 10
Regulatory · Payments
8.8 / 15
Agent readiness — 35/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
4
Pinch Payments Strong agent native Spend, AP & AR
Pinch Payments is an Australian, Brisbane-based payment orchestration and payment-facilitator platform that automates invoice collection and receivables for ...
Composite
55.0
Agent
38.8
Kin Score
How this is scored →scored 2026-09-10 · rubric v0.20.0
Composite quality — 55.0/100 · strong
Contract Quality
14.6 / 25
Developer Ergonomics
12.5 / 20
Access Clarity
8.9 / 20
Operational Transparency
6.0 / 13
Contract Governance
0.5 / 12
Discoverability
7.6 / 10
Regulatory · Payments
8.2 / 15
Agent readiness — 39/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server documented
4.8 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
5
Zepto Strong agent native Open Banking & A2A Payments
Zepto is a Gold Coast, Australia based account-to-account (A2A) payments company that gives merchants and platforms programmable, real-time access to Austral...
Composite
54.7
Agent
43.6
Kin Score
How this is scored →scored 2026-09-10 · rubric v0.20.0
Composite quality — 54.7/100 · strong
Contract Quality
16.0 / 25
Developer Ergonomics
11.5 / 20
Access Clarity
8.7 / 20
Operational Transparency
5.8 / 13
Contract Governance
2.2 / 12
Discoverability
5.7 / 10
Regulatory · Banking & Open Finance
10.1 / 15
Agent readiness — 44/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
9.0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity documented
3.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
Developing 5 39.3 – 54.2 Real signal across most facets with visible, nameable gaps.
6
Azupay Developing agent native Open Banking & A2A Payments
Azupay is an Australian real-time payments company that moves money over the New Payments Platform (NPP), the account-to-account rails operated by Australian...
Composite
53.7
Agent
40.8
Kin Score
How this is scored →scored 2026-09-10 · rubric v0.20.0
Composite quality — 53.7/100 · developing
Contract Quality
16.0 / 25
Developer Ergonomics
10.6 / 20
Access Clarity
7.6 / 20
Operational Transparency
4.1 / 13
Contract Governance
0.5 / 12
Discoverability
8.2 / 10
Regulatory · Banking & Open Finance
8.7 / 15
Agent readiness — 41/100 · agent native
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
6.0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
7
Monoova Developing agent ready Open Banking & A2A Payments
Monoova is an Australian payments platform that lets businesses receive, manage, and pay funds in AUD across every domestic rail through a single set of REST...
Composite
52.8
Agent
32.1
Kin Score
How this is scored →scored 2026-09-10 · rubric v0.20.0
Composite quality — 52.8/100 · developing
Contract Quality
16.4 / 25
Developer Ergonomics
13.7 / 20
Access Clarity
7.4 / 20
Operational Transparency
4.8 / 13
Contract Governance
0.5 / 12
Discoverability
5.7 / 10
Regulatory · Payments
9.8 / 15
Agent readiness — 32/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
8
Zai Developing agent ready Open Banking & A2A Payments
Zai (hellozai.com, formerly Assembly Payments / Assembly) is an Australian payments and Payments-as-a-Service provider headquartered in Melbourne. Zai gives ...
Composite
52.6
Agent
41.5
Kin Score
How this is scored →scored 2026-09-10 · rubric v0.20.0
Composite quality — 52.6/100 · developing
Contract Quality
16.2 / 25
Developer Ergonomics
11.1 / 20
Access Clarity
7.9 / 20
Operational Transparency
2.9 / 13
Contract Governance
2.2 / 12
Discoverability
5.7 / 10
Regulatory · Payments
12.2 / 15
Agent readiness — 42/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
6.0 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
0 / 9
Stable Error Semantics
8.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
9
eWAY Developing agent aware Gateways & PSPs
eWAY (Eway) is an Australian online payment gateway founded in Sydney in 1998 and now part of Global Payments Oceania, providing card-not-present payment acc...
Composite
43.8
Agent
5.4
Kin Score
How this is scored →scored 2026-09-10 · rubric v0.20.0
Composite quality — 43.8/100 · developing
Contract Quality
0.0 / 25
Developer Ergonomics
11.9 / 20
Access Clarity
10.5 / 20
Operational Transparency
6.2 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Payments
10.3 / 15
Agent readiness — 5/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics documented
4.0 / 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
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
10
Tyro Payments Developing agent ready Gateways & PSPs
Tyro Payments is an ASX-listed Australian payments company and one of the country's largest merchant acquirers outside the major banks, holding its own banki...
Composite
41.9
Agent
44.7
Kin Score
How this is scored →scored 2026-09-10 · rubric v0.20.0
Composite quality — 41.9/100 · developing
Contract Quality
16.5 / 25
Developer Ergonomics
9.9 / 20
Access Clarity
0.0 / 20
Operational Transparency
5.5 / 13
Contract Governance
2.2 / 12
Discoverability
7.6 / 10
Regulatory · Payments
5.9 / 15
Agent readiness — 45/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 10
Idempotency
0 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Well-Known Document
0 / 5
Thin 5 26.2 – 39.2 Limited machine-readable signal beyond documentation a human can read.
11
Till Payments Thin agent ready Gateways & PSPs
Till Payments is a Sydney, Australia founded merchant acquirer and payment technology company (established 2012), focused on integrated payments for independ...
Composite
35.0
Agent
35.4
Kin Score
How this is scored →scored 2026-09-10 · rubric v0.20.0
Composite quality — 35.0/100 · thin
Contract Quality
14.7 / 25
Developer Ergonomics
8.0 / 20
Access Clarity
0.0 / 20
Operational Transparency
3.4 / 13
Contract Governance
0.5 / 12
Discoverability
6.7 / 10
Regulatory · Payments
7.3 / 15
Agent readiness — 35/100 · agent ready
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency documented
4.5 / 9
Stable Error Semantics documented
4.0 / 8
Request/Response Examples
7.0 / 7
Rate-Limit Signaling
0 / 7
Typed Event Surface
6 / 6
Agent Skills derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
12
Basiq Thin agent aware Financial Data & Aggregation
Basiq is an Australian open banking and financial data API platform providing unified access to bank account data and enrichment services. It enables fintech...
Composite
32.7
Agent
19.8
Kin Score
How this is scored →scored 2026-09-10 · rubric v0.20.0
Composite quality — 32.7/100 · thin
Contract Quality
15.8 / 25
Developer Ergonomics
3.8 / 20
Access Clarity
3.2 / 20
Operational Transparency
1.0 / 13
Contract Governance
3.5 / 12
Discoverability
7.6 / 10
Regulatory · Banking & Open Finance
3.2 / 15
Agent readiness — 20/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 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
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
13
Zeller Thin agent aware Gateways & PSPs
Zeller is a Melbourne-founded Australian payments and business banking company (founded 2020 by former Square Australia executives Ben Pfisterer and Dominic ...
Composite
31.8
Agent
15.1
Kin Score
How this is scored →scored 2026-09-10 · rubric v0.20.0
Composite quality — 31.8/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
8.8 / 20
Access Clarity
9.2 / 20
Operational Transparency
0.3 / 13
Contract Governance
2.2 / 12
Discoverability
7.2 / 10
Regulatory · Payments
8.9 / 15
Agent readiness — 15/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 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
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Well-Known Document
0 / 5
15
Cuscal Thin agent aware Embedded Finance & BaaS
Cuscal Limited is Australia's largest independent provider of payments and regulated data services outside the Big Four banks, founded in 1966 and listed on ...
Composite
30.0
Agent
17.3
Kin Score
How this is scored →scored 2026-09-10 · rubric v0.20.0
Composite quality — 30.0/100 · thin
Contract Quality
10.4 / 25
Developer Ergonomics
5.0 / 20
Access Clarity
4.2 / 20
Operational Transparency
1.4 / 13
Contract Governance
2.2 / 12
Discoverability
7.2 / 10
Regulatory · Payments
4.5 / 15
Agent readiness — 17/100 · agent aware
Machine-Readable Contract
18 / 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
6 / 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
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
16
Pin Payments Thin agent aware Gateways & PSPs
A complete payments solution, built for speed and simplicity around your unique business needs. The Pin Payments API enables developers to charge cards, mana...
Composite
28.3
Agent
21.5
Kin Score
How this is scored →scored 2026-09-10 · rubric v0.20.0
Composite quality — 28.3/100 · thin
Contract Quality
12.4 / 25
Developer Ergonomics
4.8 / 20
Access Clarity
6.6 / 20
Operational Transparency
1.4 / 13
Contract Governance
0.0 / 12
Discoverability
5.9 / 10
Regulatory · Payments
2.8 / 15
Agent readiness — 22/100 · agent aware
Machine-Readable Contract
18 / 18
Agentic Access Contract derived
2.5 / 10
Documented Reversibility documented
2.4 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 10
Idempotency
0 / 9
Stable Error Semantics
0 / 8
Request/Response Examples
0 / 7
Rate-Limit Signaling documented
3.5 / 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
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
Emerging 3 11 – 26.1 More than an index entry but still mostly links rather than artifacts.
17
Afterpay Emerging agent aware Buy Now, Pay Later
Afterpay (acquired by Block / Square) is a buy-now-pay-later platform offering Pay-in-4 installments at thousands of merchants. APIs for merchants to integra...
Composite
19.2
Agent
15.5
Kin Score
How this is scored →scored 2026-09-10 · rubric v0.20.0
Composite quality — 19.2/100 · emerging
Contract Quality
10.4 / 25
Developer Ergonomics
0.0 / 20
Access Clarity
2.6 / 20
Operational Transparency
1.0 / 13
Contract Governance
0.0 / 12
Discoverability
7.2 / 10
Regulatory · Payments
2.8 / 15
Agent readiness — 16/100 · agent aware
Machine-Readable Contract
18 / 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 documented
3.5 / 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
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
19
Butn Emerging human only Spend, AP & AR
Butn is an Australian embedded-finance company that funds business cashflow at the point of transaction, plugging invoice finance, outsourced credit terms, a...
Composite
12.3
Agent
0.0
Kin Score
How this is scored →scored 2026-09-10 · rubric v0.20.0
Composite quality — 12.3/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
3.3 / 20
Access Clarity
5.5 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.0 / 12
Discoverability
5.0 / 10
Regulatory · Payments
3.3 / 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
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
20
Limepay Emerging human only Buy Now, Pay Later
Limepay was a Melbourne-based Australian embedded-payments and white-label buy-now-pay-later (BNPL) company that let merchants and platforms accept card paym...
Composite
11.7
Agent
3.4
Kin Score
How this is scored →scored 2026-09-10 · rubric v0.20.0
Composite quality — 11.7/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
4.2 / 20
Access Clarity
0.0 / 20
Operational Transparency
0.0 / 13
Contract Governance
0.5 / 12
Discoverability
6.5 / 10
Regulatory · Payments
5.4 / 15
Agent readiness — 3/100 · human only
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth bearer
3.5 / 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 derived
1.3 / 5
Well-Known Catalog
0 / 4
Consent & Bot Identity
0 / 3
A2A Agent Card
0 / 8
Dry-Run / Simulate Mode
0 / 4
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5
Domestic Rails & Schemes 2 The national payment rails and the bodies that write their rules — you join them as a participant, you do not call them as an API.
14
NPP Australia (AP+) Thin agent aware Domestic Rails & Schemes
NPP Australia is the operator of the New Payments Platform (NPP), Australia's national real-time, data-rich, account-to-account payments infrastructure that ...
Composite
30.6
Agent
15.1
Kin Score
How this is scored →scored 2026-09-10 · rubric v0.20.0
Composite quality — 30.6/100 · thin
Contract Quality
0.0 / 25
Developer Ergonomics
12.1 / 20
Access Clarity
6.8 / 20
Operational Transparency
1.0 / 13
Contract Governance
2.2 / 12
Discoverability
7.2 / 10
Regulatory · Banking & Open Finance
5.9 / 15
Agent readiness — 15/100 · agent aware
Machine-Readable Contract
0 / 18
Agentic Access Contract
0 / 10
Documented Reversibility
0 / 6
MCP Server
0 / 12
Machine-Readable Auth served
9.0 / 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
Delegated User Identity
6.0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
6 / 6
Agentic Commerce Well-Known Document
0 / 5
18
PayTo Emerging human only Domestic Rails & Schemes
PayTo is Australia's real-time mandated-payments service, operated by Australian Payments Plus (AP+) as an overlay on the New Payments Platform (NPP). It let...
Composite
18.6
Agent
0.0
Kin Score
How this is scored →scored 2026-09-10 · rubric v0.20.0
Composite quality — 18.6/100 · emerging
Contract Quality
0.0 / 25
Developer Ergonomics
5.2 / 20
Access Clarity
6.8 / 20
Operational Transparency
0.3 / 13
Contract Governance
0.5 / 12
Discoverability
6.7 / 10
Regulatory · Banking & Open Finance
3.6 / 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
Delegated User Identity
0 / 6
Protected Resource Metadata
0 / 5
Registration Without a Human
0 / 6
Agentic Commerce Well-Known Document
0 / 5