Oper Credits
Oper Credits is a Belgian digital mortgage origination platform (Brussels, founded 2019) that lets banks, lenders, insurers, and brokers offer and process end-to-end digital mortgages. Its white-labelled, multi-tenant Oper Connect platform exposes a JWT-authenticated REST API organized around the loan request as the central object, under which borrowers, properties, offers, documents, guarantees, and decisions are nested, plus a versioned loan-request webhook surface and an AI underwriting agent ("Herman") that automates document collection, extraction, verification, and policy analysis. The platform is ISO/IEC 27001 certified and GDPR compliant.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles Oper Credits the way a machine reads it — 58 machine-readable artifacts across 52 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 — Oper Credits scores 49.5/100 (developing), with a separate agent-readiness read of 57/100 (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.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Oper Credits
Each block below is one kind of artifact we hold for Oper Credits. 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 52
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.
Oper Credits Agent Documents API
The Agent Documents API from Oper Credits — 2 operation(s) for agent documents.
Oper Credits Appointment Booking Websites API
The Appointment Booking Websites API from Oper Credits — 2 operation(s) for appointment booking websites.
Oper Credits Approvals API
The Approvals API from Oper Credits — 6 operation(s) for approvals.
Oper Credits Bank Release Policy API
The Bank Release Policy API from Oper Credits — 1 operation(s) for bank release policy.
Oper Credits Base Products API
The Base Products API from Oper Credits — 12 operation(s) for base products.
Oper Credits Calculate API
The Calculate API from Oper Credits — 7 operation(s) for calculate.
Oper Credits Check Invite Token API
The Check Invite Token API from Oper Credits — 1 operation(s) for check invite token.
Oper Credits Check Reset Password API
The Check Reset Password API from Oper Credits — 1 operation(s) for check reset password.
Oper Credits Client Users API
The Client Users API from Oper Credits — 2 operation(s) for client users.
Oper Credits Clients API
The Clients API from Oper Credits — 2 operation(s) for clients.
Oper Credits Commissions API
The Commissions API from Oper Credits — 8 operation(s) for commissions.
Oper Credits Communication History API
The Communication History API from Oper Credits — 2 operation(s) for communication history.
Oper Credits Connective API
The Connective API from Oper Credits — 2 operation(s) for connective.
Oper Credits Contact Advisor API
The Contact Advisor API from Oper Credits — 1 operation(s) for contact advisor.
Oper Credits Contact API
The Contact API from Oper Credits — 1 operation(s) for contact.
Oper Credits Contact Policy API
The Contact Policy API from Oper Credits — 1 operation(s) for contact policy.
Oper Credits Credit Providers API
The Credit Providers API from Oper Credits — 1 operation(s) for credit providers.
Oper Credits Documentation Library API
The Documentation Library API from Oper Credits — 4 operation(s) for documentation library.
Oper Credits Documents API
The Documents API from Oper Credits — 2 operation(s) for documents.
Oper Credits Easy Audit API
The Easy Audit API from Oper Credits — 1 operation(s) for easy audit.
Oper Credits Forgot Password API
The Forgot Password API from Oper Credits — 1 operation(s) for forgot password.
Oper Credits Gdpr Policy API
The Gdpr Policy API from Oper Credits — 1 operation(s) for gdpr policy.
Oper Credits Health API
The Health API from Oper Credits — 1 operation(s) for health.
Oper Credits Integrations API
The Integrations API from Oper Credits — 2 operation(s) for integrations.
Oper Credits Internaldocuments API
The Internaldocuments API from Oper Credits — 3 operation(s) for internaldocuments.
Oper Credits Jwt API
The Jwt API from Oper Credits — 2 operation(s) for jwt.
Oper Credits Legal Links API
The Legal Links API from Oper Credits — 2 operation(s) for legal links.
Oper Credits Library API
The Library API from Oper Credits — 2 operation(s) for library.
Oper Credits Loan Requests API
The Loan Requests API from Oper Credits — 113 operation(s) for loan requests.
Oper Credits Loan Requests Client Info API
The Loan Requests Client Info API from Oper Credits — 1 operation(s) for loan requests client info.
Oper Credits Main API
The Main API from Oper Credits — 30 operation(s) for main.
Oper Credits Me API
The Me API from Oper Credits — 8 operation(s) for me.
Oper Credits Metrics API
The Metrics API from Oper Credits — 1 operation(s) for metrics.
Oper Credits Model Fields API
The Model Fields API from Oper Credits — 1 operation(s) for model fields.
Oper Credits Pricing API
The Pricing API from Oper Credits — 1 operation(s) for pricing.
Oper Credits Privacy Policy API
The Privacy Policy API from Oper Credits — 1 operation(s) for privacy policy.
Oper Credits Products API
The Products API from Oper Credits — 1 operation(s) for products.
Oper Credits Reset Password API
The Reset Password API from Oper Credits — 1 operation(s) for reset password.
Oper Credits Resources API
The Resources API from Oper Credits — 332 operation(s) for resources.
Oper Credits Send Generic Email API
The Send Generic Email API from Oper Credits — 1 operation(s) for send generic email.
Oper Credits Sign In API
The Sign In API from Oper Credits — 4 operation(s) for sign in.
Oper Credits Sign Up API
The Sign Up API from Oper Credits — 4 operation(s) for sign up.
Oper Credits Simulators API
The Simulators API from Oper Credits — 15 operation(s) for simulators.
Oper Credits Sso API
The Sso API from Oper Credits — 2 operation(s) for sso.
Oper Credits Tasks API
The Tasks API from Oper Credits — 2 operation(s) for tasks.
Oper Credits Terms And Conditions API
The Terms And Conditions API from Oper Credits — 1 operation(s) for terms and conditions.
Oper Credits Third Parties API
The Third Parties API from Oper Credits — 20 operation(s) for third parties.
Oper Credits Third Party Api API
The Third Party Api API from Oper Credits — 1 operation(s) for third party api.
Oper Credits User Management API
The User Management API from Oper Credits — 4 operation(s) for user management.
Oper Credits Users API
The Users API from Oper Credits — 1 operation(s) for users.
Oper Credits Validators API
The Validators API from Oper Credits — 1 operation(s) for validators.
Oper Credits Webhooks API
Your Webhooks tag description
Scroll within the panel for all 52 ·
MCP Servers 1
Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.
Model Context Protocol servers that expose these APIs to AI agents.
oper-credits-mcp.yml
MCP SERVEREvent Specifications 1
Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Oper Credits Webhooks
ASYNCAPISecurity Posture 4
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 Oper Credits — 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 1
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 6
Pagination, idempotency, versioning, errors, and events
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 6
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
Other 1
Properties that don't map to a standard resource type
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