First Circle
First Circle is a Philippine fintech offering digital business banking and non-collateral financing to small and medium enterprises. Its products include free online business bank accounts, business credit lines up to PHP 20M, same/next-day express business loans, longer-term Business Credit Plus, future salary access for employees, and solar financing. The company is 100% online with five-minute account opening and no branch visits, serves over 5,000 Filipino businesses, and has disbursed roughly PHP 16 billion in loans. It is licensed by the Securities and Exchange Commission (SEC), with banking delivered through partner rural banks regulated by the Bangko Sentral ng Pilipinas (BSP). It was surfaced as a 500 Global portfolio company. No public developer API surface is currently published.
More than an index entry, but the surface is still mostly links rather than artifacts — the cohort most likely to move a full band from modest, well-targeted work.
API Evangelist profiles First Circle 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 — First Circle scores 15.0/100 (emerging), 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 First Circle
Each block below is one kind of artifact we hold for First Circle. 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 First Circle — 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.
Access & Security 1
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
← All providers · Data indexed from github.com/api-evangelist/first-circle · machine-readable index on apis.io