FairMoney
FairMoney is a credit-led digital bank for emerging markets, founded in 2017 and headquartered in Paris, France, with operating subsidiaries in Nigeria and India. The company began life as a France-incubated micro- lending app and pivoted to focus on Africa, becoming one of the largest digital lenders in Nigeria after the Central Bank of Nigeria granted its subsidiary a Microfinance Bank (MfB) license. FairMoney's consumer mobile app offers near-instant collateral-free personal loans, FlexiCredit, asset finance, savings products (FairLock, FairSave, FairTarget, FairDollar), a current account, debit cards, bill payments, and peer-to-peer transfers. Its Business Banking arm extends current accounts, payments, and credit to Nigerian SMEs. In India, FairMoney operates as a digital lender disbursing small-ticket personal loans through its mobile app. FairMoney does not publish a public developer API, OpenAPI specification, SDKs, or a third-party developer portal; integration is internal and partner- driven, and the company's only public technical surface is its engineering GitHub organization, which mirrors infrastructure-as-code and open-source tooling forks (Terraform AWS modules, GitHub Actions, rubocop, puma plugins, salesforce_bulk_api) rather than a product API.
Index entry only — little beyond a description and a link, and nothing machine-readable enough for an agent to act on without a human reading the site first.
API Evangelist profiles FairMoney the way a machine reads it — 1 machine-readable artifact, 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 — FairMoney scores 8.6/100 (minimal), with a separate agent-readiness read of 0/100 (human only). 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 FairMoney
Each block below is one kind of artifact we hold for FairMoney. 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.
Security Posture 1
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 FairMoney — 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.
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 1
Authentication, authorization, and security posture
Operate 2
Status, limits, changes, and where to get help
Company 7
The organization behind the API
Scroll within the panel for all 7 ·
Other 7
Properties that don't map to a standard resource type
Scroll within the panel for all 7 ·
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