Niyo Solutions
Niyo Solutions (brand: Niyo, goniyo.com) is a Bengaluru, India based consumer fintech founded in 2015 by Vinay Bagri and Virender Bisht, focused on international travel banking and savings for Indian retail customers. Niyo is not a chartered bank; it operates as a neo-banking front end layered on partner RBI-licensed banks — DCB Bank (current flagship for the Niyo zero-forex savings + debit card), SBM Bank India (previous "Niyo Global" forex card, now wound down for new customers and operating a secured credit card variant), Equitas Small Finance Bank (salary / "Niyo Bharat" account) and IDFC FIRST Bank (earlier Niyo Global issuer) — plus card network rails (Visa, RuPay). Niyo's flagship surface is the "zero forex markup" Niyo Global / DCB Niyo Global / SBM Niyo Global Visa debit and prepaid travel cards accepted in 180+ countries, paired with a digital savings account delivered through partner banks. The company has expanded beyond cards into a full travel-banking stack including currency exchange and forex cash delivery, outbound remittance (Send Money Abroad), international flights, hotels and curated experiences, Niyo Express airport services, an international travel eSIM, travel visa assistance, travel insurance, a premium subscription tier, a student program (Niyo Scholarship, NISAP) and a DCB Niyo Secured Credit Card backed by a fixed deposit. Niyo serves over one million international travellers and has raised capital from investors including Accel, Lightrock, Beams Fintech Fund, Tencent, Horizons Ventures, Prime Venture Partners and JS Capital. There is no public REST developer API, partner banking-as-a-service surface, SDK, MCP server, or GitHub organisation — Niyo is delivered exclusively as a B2C iOS and Android mobile application with a marketing and tools website at goniyo.com.
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 Niyo Solutions 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 — Niyo Solutions scores 11.2/100 (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 Niyo Solutions
Each block below is one kind of artifact we hold for Niyo Solutions. 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 Niyo Solutions — 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
Learn 1
Tutorials, courses, talks, and written guidance
Operate 1
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 13
The organization behind the API
Scroll within the panel for all 13 ·
Other 20
Properties that don't map to a standard resource type
Scroll within the panel for all 20 ·
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