Monedo
Monedo, founded in Hamburg in 2012 as Kreditech and renamed Monedo in March 2020, was a German online consumer lender that underwrote short-term and installment credit in Poland, Spain, Russia, Romania, India and Mexico using a self-learning machine-learning scoring engine over thousands of alternative data points instead of traditional bureau scores. Backed by Peter Thiel, J.C. Flowers and Naspers, it was valued above EUR 230m in 2017. It marketed a business-facing Lending-as-a-Service / Credit-as-a-Service partner API that let retailers, telcos, banks and payment providers embed its credit products and point-of-sale financing, but that surface was sales-gated for its whole life: the company never operated a public developer portal, never published a reference, and never published a machine-readable contract. Monedo filed for insolvency in a Hamburg court in September 2020 and ceased operations in December 2020. Both monedo.com and kreditech.com lapsed and were re-registered by unrelated parties in 2022 - monedo.com is now a GoDaddy aftermarket listing offered for sale - so no company-controlled web or API surface remains.
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.
Monedo is tracked in the API Evangelist network. This page is the human-readable profile that sits on top of the machine-readable index we maintain at apis.io.
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 — Monedo scores 5.7/100 (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.
Why this profile is thin
Monedo (formerly Kreditech) filed for insolvency in Hamburg in September 2020 and ceased operations that December; it no longer holds either of its own domains, and monedo.com - re-registered through GoDaddy in September 2022 - now answers HTTP 200 with the same 114-byte parking redirect shell on every path including /openapi.json and every /.well-known/ path, serves an llms.txt whose only subject is the sale of the domain name, and wildcards api./developer./docs. to the same parking IPs.
This is an honest zero, not a gap in our research. Monedo does not appear to expose an API, so there is nothing here for us to index and nothing for them to fix.
What we probed
https://monedo.com/→ HTTP 200https://monedo.com/openapi.json→ HTTP 200https://monedo.com/.well-known/agent-card.json→ HTTP 200https://monedo.com/llms.txt→ HTTP 200https://kreditech.com/→ HTTP 202https://api.github.com/orgs/monedo→ HTTP 404https://github.com/Kreditech→ HTTP 200https://forgeglobal.com/kreditech_stock/→ HTTP 403
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 2026-08-24 · rubric v0.12.1
Put this on your own site. The badge is drawn live from Monedo's current Kin Score — paste it once and it updates itself every time the score is recomputed. It follows your visitor's light or dark setting, and it links back here so anyone who sees it can read the full breakdown.
<!-- Kin Score · API Evangelist -->
<a href="https://providers.apievangelist.com/providers/kreditech/"
title="Monedo on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/kreditech.svg"
alt="Monedo Kin Score — API readiness rating by API Evangelist" width="150" height="150" loading="lazy">
</a>[](https://providers.apievangelist.com/providers/kreditech/)<!-- Kin Score · API Evangelist -->
<a href="https://providers.apievangelist.com/providers/kreditech/"
title="Monedo on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/kreditech/card.svg"
alt="Monedo Kin Score — API readiness rating by API Evangelist" width="340" height="120" loading="lazy">
</a>More shapes, themes and sizes → · Score as JSON · How badges work
Resources
Every other property we hold for Monedo — 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
Other 1
Properties that don't map to a standard resource type
Monedo is in the network as a tracked entity. We haven't yet indexed a public API surface for it — when one is published, the artifacts, score, and agent-readiness read will appear here automatically. The source repository is where that profile is built.
← All providers · Data indexed from github.com/api-evangelist/kreditech · machine-readable index on apis.io
This is an independent, third-party profile of Monedo, 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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you will get a person, not a form — we will tell you exactly which public URLs this profile was built from.