Alt Bank
alt.bank (Alt Bank) is a Brazilian fintech providing a fully integrated, turnkey credit-card and consumer-credit platform for partners who want to launch prepaid and postpaid cards without becoming a financial institution. Its flagship product, GUARD, is a machine-learning underwriting / credit-risk engine ("Brazil's most accurate credit model") that returns a Guard Score, risk band and credit-limit decision through a real-time partner API. The platform also bundles white-label credit cards (novücard), Visa BIN sponsorship, KYC, anti-fraud, dispute management and Pix/boleto payment processing. Partners integrate over a documented HTTPS API secured with a per-partner X-Partner-Auth token plus IP allow-listing, with a mirrored staging sandbox and asynchronous callback delivery of underwriting results. Backed by Anthemis, Union Square Ventures, Repeat Ventures and SquareOne Capital, alt.bank targets financial inclusion for underbanked consumers.
More than an index entry, but the surface is still mostly links rather than artifacts — the cohort most likely to move a full band from modest, well-targeted work.
API Evangelist profiles Alt Bank the way a machine reads it — 7 machine-readable artifacts across 3 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Alt Bank scores 28.1/100 (emerging), with a separate agent-readiness read of 31/100 (agent aware). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Alt Bank
Each block below is one kind of artifact we hold for Alt Bank. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 3
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
GUARD API
Real-time consumer credit underwriting / risk-assessment API. Partners POST an underwriting request for a credit-card applicant and receive a Guard Score, risk band and credit-l...
CC Integration API
Credit-card module integration API (private, partner B2B) for issuing and managing alt.bank white-label credit cards.
SDK KYC API
Identity verification / KYC SDK and API for onboarding and verifying applicants as part of the alt.bank credit and card flows.
MCP Servers 1
Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.
Model Context Protocol servers that expose these APIs to AI agents.
alt-bank-mcp.yml
MCP SERVEREvent Specifications 1
Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Alt Bank Guard Webhooks
ASYNCAPISecurity Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Resources
Every other property we hold for Alt Bank — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 3
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 3
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 2
Pagination, idempotency, versioning, errors, and events
Access & Security 2
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Company 2
The organization behind the API
← All providers · Data indexed from github.com/api-evangelist/alt-bank · machine-readable index on apis.io