Defacto
Defacto is an ACPR-authorized French fintech providing instant, embedded financing for small and medium-sized businesses across Europe. Through a single REST API, partners (marketplaces, neobanks, B2B SaaS, e-invoicing platforms) can onboard borrowers, test eligibility and credit limits, share business and bank-transaction data, create invoices, request and manage loans, handle repayments and recollection, issue credit cards, bill fees, and subscribe to webhooks. Defacto has powered over EUR 1B in financing for 12K+ SMBs through 15+ partners, with products spanning receivables, payables, pay-later, cash-in-now, and wallet financing. This profile was enriched by the API Evangelist pipeline from Defacto's public developer portal (developers.getdefacto.com).
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 Defacto the way a machine reads it — 25 machine-readable artifacts across 18 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 — Defacto scores 54.7/100 (developing), with a separate agent-readiness read of 80/100 (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 Defacto
Each block below is one kind of artifact we hold for Defacto. 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 18
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.
Defacto Accounting API
The Accounting API from Defacto — 1 operation(s) for accounting.
Defacto Billing API
The Billing API from Defacto — 4 operation(s) for billing.
Defacto Business and accounts API
The Business and accounts API from Defacto — 1 operation(s) for business and accounts.
Defacto Counterparty API
The Counterparty API from Defacto — 2 operation(s) for counterparty.
Defacto Credit card API
The Credit card API from Defacto — 6 operation(s) for credit card.
Defacto Eligibility and credit limit API
The Eligibility and credit limit API from Defacto — 6 operation(s) for eligibility and credit limit.
Defacto Financial product API
The Financial product API from Defacto — 1 operation(s) for financial product.
Defacto Invoice API
The Invoice API from Defacto — 4 operation(s) for invoice.
Defacto Loan API
The Loan API from Defacto — 7 operation(s) for loan.
Defacto Onboarding API
The Onboarding API from Defacto — 9 operation(s) for onboarding.
Defacto Payment API
The Payment API from Defacto — 3 operation(s) for payment.
Defacto Recollection API
The Recollection API from Defacto — 5 operation(s) for recollection.
Defacto Repay API
The Repay API from Defacto — 1 operation(s) for repay.
Defacto Sharing business data API
The Sharing business data API from Defacto — 5 operation(s) for sharing business data.
Defacto Subscription API
The Subscription API from Defacto — 1 operation(s) for subscription.
Defacto Testing API
The Testing API from Defacto — 5 operation(s) for testing.
Defacto Translation API
The Translation API from Defacto — 2 operation(s) for translation.
Defacto Webhook API
The Webhook API from Defacto — 2 operation(s) for webhook.
Scroll within the panel for all 18 ·
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.
defacto-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.
Defacto Webhooks
Event surface for the Defacto API. Defacto POSTs a JSON notification to the URL registered on a webhook subscription (POST /webhooks). Generated by API Evangelist from Defacto's...
ASYNCAPIDefacto 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.
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 Defacto — 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 5
Portal, sign-up, and the first successful call
Documentation 3
Reference material describing how the API behaves
Agent Surfaces 5
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 7
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 7 ·
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 4
Authentication, authorization, and security posture
Operate 2
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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