Falcon
Falcon (Falcon Financial Services, falconfs.com) is a global embedded-finance and Banking-as-a-Service platform that lets fintechs, banks, and enterprises launch credit and payment products in days rather than months. Its developer-first REST APIs and no-code tooling cover the full issuance and lending lifecycle: issuer and program onboarding, enterprise and user KYC, credit-card issuance (virtual, physical, add-on, co-branded, corporate), accounts and credit limits, transactions, statements, repayments and auto-debit, EMI conversion and amortisation, disputes, rewards, interest, fees, funding, and reconciliations. Falcon holds its own lending and issuance licenses, is built on a modular multi-tenant architecture, and is certified against PCI DSS, ISO 27001:2022, and SOC 2. Product lines include Falcon CardFX (issuance), CreditFX (lending), WalletFX (prepaid/wallets), and SurgeFX (AI growth and portfolio tools).
Limited machine-readable signal and partial portal coverage — documentation a human can read, but little a machine or agent can consume without scraping.
API Evangelist profiles Falcon the way a machine reads it — 64 machine-readable artifacts across 93 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 — Falcon scores 35.7/100 (thin), with a separate agent-readiness read of 30/100 (agent ready). 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. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.
Kin Score
How this is scored →scored 2026-10-17 · rubric v0.24.0
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</a>More shapes, themes and sizes → · Score as JSON · How badges work
How we profile Falcon
Each block below is one kind of artifact we hold for Falcon. 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 41
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.
Falcon API
Falcon's RESTful embedded-finance API for card issuance, lending, and program management. All responses are JSON; authentication is a JWT bearer token obtained from a client-id/...
Falcon Account API
The Account API from Falcon — 18 operation(s) for account.
Falcon Aggregator API
The Aggregator API from Falcon — 2 operation(s) for aggregator.
Falcon Balance API
The Balance API from Falcon — 1 operation(s) for balance.
Falcon Banking API
The Banking API from Falcon — 2 operation(s) for banking.
Falcon Card API
The Card API from Falcon — 9 operation(s) for card.
Falcon Card Cvv API
The Card Cvv API from Falcon — 1 operation(s) for card cvv.
Falcon Cc Open API
The Cc Open Api API from Falcon — 4 operation(s) for cc open api.
Falcon Close API
The Close API from Falcon — 1 operation(s) for close.
Falcon Convert Emi API
The Convert Emi API from Falcon — 1 operation(s) for convert emi.
Falcon Dispute API
The Dispute API from Falcon — 4 operation(s) for dispute.
Falcon Due Date API
The Due Date API from Falcon — 1 operation(s) for due date.
Falcon Emi Details API
The Emi Details API from Falcon — 1 operation(s) for emi details.
Falcon Emi Plan API
The Emi Plan API from Falcon — 1 operation(s) for emi plan.
Falcon Employee API
The Employee API from Falcon — 1 operation(s) for employee.
Falcon Enterprise API
The Enterprise API from Falcon — 3 operation(s) for enterprise.
Falcon Enterprise Details API
The Enterprise Details API from Falcon — 1 operation(s) for enterprise details.
Falcon Enterprise Summary API
The Enterprise Summary API from Falcon — 1 operation(s) for enterprise summary.
Falcon FD API
The FD API from Falcon — 1 operation(s) for fd.
Falcon Fee API
The Fee API from Falcon — 6 operation(s) for fee.
Falcon Foreclose API
The Foreclose API from Falcon — 1 operation(s) for foreclose.
Falcon Foreclose Quote API
The Foreclose Quote API from Falcon — 1 operation(s) for foreclose quote.
Falcon Initiate Payment API
The Initiate Payment API from Falcon — 1 operation(s) for initiate payment.
Falcon Interest API
The Interest API from Falcon — 2 operation(s) for interest.
Falcon Issuer API
The Issuer API from Falcon — 4 operation(s) for issuer.
Falcon List Emi API
The List Emi API from Falcon — 1 operation(s) for list emi.
Falcon Non Pci Card API
The Non Pci Card API from Falcon — 1 operation(s) for non pci card.
Falcon Npa API
The Npa API from Falcon — 1 operation(s) for npa.
Falcon Pci Card API
The Pci Card API from Falcon — 1 operation(s) for pci card.
Falcon Product API
The Product API from Falcon — 4 operation(s) for product.
Falcon Program API
The Program API from Falcon — 5 operation(s) for program.
Falcon Programs API
The Programs API from Falcon — 2 operation(s) for programs.
Falcon Repayment API
The Repayment API from Falcon — 1 operation(s) for repayment.
Falcon Reward API
The Reward API from Falcon — 3 operation(s) for reward.
Falcon Statement API
The Statement API from Falcon — 2 operation(s) for statement.
Falcon Statement Past API
The Statement Past API from Falcon — 1 operation(s) for statement past.
Falcon Statementlist API
The Statementlist API from Falcon — 4 operation(s) for statementlist.
Falcon Transaction Eligibility API
The Transaction Eligibility API from Falcon — 1 operation(s) for transaction eligibility.
Falcon Update Status Emi Plan API
The Update Status Emi Plan API from Falcon — 1 operation(s) for update status emi plan.
Falcon User API
The User API from Falcon — 8 operation(s) for user.
Falcon View Amortisation Schedules API
The View Amortisation Schedules API from Falcon — 1 operation(s) for view amortisation schedules.
Scroll within the panel for all 41 ·
Semantic Vocabularies 1
JSON-LD contexts give the data shared meaning across APIs. We profile them because semantics are what let a machine reconcile 'customer' here with 'customer' somewhere else.
JSON-LD contexts and semantic vocabularies used across these APIs.
Falcon Context
JSON-LDSpectral Rules 1
Governance rulesets we run against this provider's specs — the automated checks behind parts of the score. Profiling them makes the quality bar explicit and re-runnable, not a matter of opinion.
Falcon API Rules
SPECTRALJSON Schema 18
Standalone JSON Schema definitions describe the data models behind the API. We profile them so the shapes are validatable on their own — useful long after a single request is forgotten.
Standalone JSON Schema definitions for this provider's data models.
AddCorporateAdminRequest
JSON SCHEMAAddCorporateAdminResponse
JSON SCHEMAAddress
JSON SCHEMAEmployeeResponse
JSON SCHEMAEnterpriseCreditLimitRequest
JSON SCHEMAEnterpriseProgramActionRequest
JSON SCHEMAEnterpriseRequest
JSON SCHEMAEnterpriseResponse
JSON SCHEMAEnterpriseSummaryRequest
JSON SCHEMAEnterpriseSummaryResponse
JSON SCHEMAEnterpriseUpdateRequest
JSON SCHEMAFeeWaiver
JSON SCHEMAProductRequest
JSON SCHEMAProductResponse
JSON SCHEMASpendLimits
JSON SCHEMASuccessResponse
JSON SCHEMATransactionCategory
JSON SCHEMATransactionLimits
JSON SCHEMAScroll within the panel for all 18 ·
Security 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 Falcon — 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 9
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 9 ·
Access & Security 3
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 2
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/falcon · machine-readable index on apis.io
This is an independent, third-party profile of Falcon, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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