AltScore
AltScore is a B2B credit infrastructure platform for Latin America — the "Rails of Lending" that lets any company build, embed, and deploy credit products in weeks instead of years. Its API surface spans three products: AltData, an aggregation layer over 50+ alternative and traditional data sources for underwriting and scoring; Borrower Central, an onboarding, KYC/KYB, identity, document, and workflow/decisioning engine; and a Credit Management System for the full loan lifecycle — disbursements, credit accounts, debts, payment orders, and DPAs. Access is through first-party Python and TypeScript SDKs, a Go CLI, and a Frontegg-backed OAuth/OIDC identity layer, with a dedicated sandbox environment and an in-production test mode (isTest) for UAT.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles AltScore the way a machine reads it — 9 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 — AltScore scores 47.7/100 (developing), with a separate agent-readiness read of 36/100 (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 AltScore
Each block below is one kind of artifact we hold for AltScore. 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.
AltData API
Alternative-data aggregation for credit underwriting and scoring. Aggregates over 50 data sources into on-demand data requests that feed borrower enrichment and decisioning.
Borrower Central API
Onboarding, KYC/KYB, identities, documents, deals, forms, workflows (v1 + v2), credit decisioning, evaluators, and policy rules. The default module of the AltScore SDK and CLI.
Credit Management System API
The loan lifecycle system — partners, clients, credit accounts, debts, disbursements, disbursement accounts, payment accounts, payment orders, and DPAs (payment agreements). Inc...
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.
altscore-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.
Altscore Webhooks
ASYNCAPISecurity Posture 3
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.
Scopes 1
OAuth scopes are the vocabulary of least-privilege access. Profiling them shows exactly what an integration — or an agent acting on a user's behalf — is allowed to do.
OAuth scopes governing access to this provider's APIs.
Resources
Every other property we hold for AltScore — 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 2
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 5
Pagination, idempotency, versioning, errors, and events
Build 5
SDKs, sample code, and the tooling you integrate with
Access & Security 5
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
Other 1
Properties that don't map to a standard resource type
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