Kikoff
Kikoff is a San Francisco-based consumer fintech, founded in 2019, that helps people build and repair credit. Its products include a Credit Account that furnishes tradelines to all three bureaus (Equifax, Experian, TransUnion), rent and bill reporting, credit monitoring and disputes, an AI Debt Negotiator, the Fynn AI credit coach, and an invite-only secured credit card, sold across Basic, Premium, and Ultimate subscription tiers. Kikoff Enterprise exposes a unified REST API covering member enrollment, tradeline furnishing, and dispute status so businesses can embed credit-building infrastructure. Backed by GGV Capital and Lightspeed Venture Partners.
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 Kikoff the way a machine reads it — 3 machine-readable artifacts across 1 API, 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 — Kikoff scores 25.1/100 (emerging), with a separate agent-readiness read of 7/100 (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 Kikoff
Each block below is one kind of artifact we hold for Kikoff. 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 1
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.
Kikoff Enterprise API
Unified REST API for embedding credit-building infrastructure, covering member enrollment, tradeline furnishing to the credit bureaus, and dispute status. Access is gated behind...
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.
Resources
Every other property we hold for Kikoff — 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
Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 1
Pagination, idempotency, versioning, errors, and events
Access & Security 4
Authentication, authorization, and security posture
Operate 3
Status, limits, changes, and where to get help
Commercial 3
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
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