Credilinq.ai
CrediLinq is a Singapore-founded embedded-finance and B2B lending fintech that lets platforms and marketplaces offer white-labeled credit to their business customers. Its API-first "Credit as a Service" powers two products: B2B PayLater (buy-now-pay-later for buyers) and GMV Financing (working-capital advances for sellers), with AI/data-driven credit underwriting, automated onboarding and KYC, credit-line management, loan drawdowns, repayments and reconciliation, and partner reporting. The CrediLinq REST API (OpenAPI 3.0, Auth0 client-credentials bearer auth, sandbox/staging/production environments, HMAC-signed webhooks) is documented at docs.credilinq.ai.
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 Credilinq.ai the way a machine reads it — 17 machine-readable artifacts across 8 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 — Credilinq.ai scores 51.8/100 (developing), with a separate agent-readiness read of 71/100 (agent native). 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 Credilinq.ai
Each block below is one kind of artifact we hold for Credilinq.ai. 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 8
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.
Credilinq.ai Authentication API
The Authentication API from Credilinq.ai — 1 operation(s) for authentication.
Credilinq.ai Customers API
The Customers API from Credilinq.ai — 4 operation(s) for customers.
Credilinq.ai KYC API
The KYC API from Credilinq.ai — 8 operation(s) for kyc.
Credilinq.ai Loans API
The Loans API from Credilinq.ai — 4 operation(s) for loans.
Credilinq.ai Miscellaneous API
The Miscellaneous API from Credilinq.ai — 4 operation(s) for miscellaneous.
Credilinq.ai Onboarding API
The Onboarding API from Credilinq.ai — 3 operation(s) for onboarding.
Credilinq.ai Payment API
The Payment API from Credilinq.ai — 4 operation(s) for payment.
Credilinq.ai Report API
The Report API from Credilinq.ai — 3 operation(s) for report.
Scroll within the panel for all 8 ·
Arazzo Workflows 3
Real integrations are rarely a single call. Arazzo describes the multi-step sequences — auth, then create, then confirm — so both a human and an agent can follow the choreography, not just the endpoints.
Multi-step API workflows described with the Arazzo specification.
_Index
ARAZZOCrediLinq — Create and disburse a loan
Authenticate, confirm the credit line, preview the schedule, create a drawdown, and disburse it.
ARAZZOCrediLinq — Onboard a customer and complete KYC
Authenticate, check eligibility, run data processing, capture customer KYC, and send it for review.
ARAZZOMCP 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.
credilinqai-mcp.yml
MCP SERVEREvent Specifications 2
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.
CrediLinq Webhooks
AsyncAPI representation of CrediLinq's documented webhook events. CrediLinq delivers server-to-server notifications via HTTP POST to a partner-configured redirect_url. Payloads ...
ASYNCAPICredilinqai 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.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for Credilinq.ai — 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 4
Portal, sign-up, and the first successful call
Documentation 4
Reference material describing how the API behaves
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 8
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 8 ·
Access & Security 2
Authentication, authorization, and security posture
Operate 3
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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