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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.

agent ready

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.

Kin Score
travel_explore apis.io index code GitHub sourcepublic Website

API Evangelist profiles Oper Credits the way a machine reads it — 110 machine-readable artifacts across 4 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 42.9/100 (developing), with a separate agent-readiness read of 30/100 (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. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.

Kin Score Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0
Composite quality — 42.9/100 · developing
Contract Quality 14.1 / 25
Developer Ergonomics 4.2 / 20
Access Clarity 7.4 / 20
Operational Transparency 2.7 / 13
Contract Governance 2.2 / 12
Discoverability 8.2 / 10
Regulatory · Banking & Open Finance 6.8 / 15
Agent readiness — 30/100 · agent ready
Machine-Readable Contract 18 / 18
Agentic Access Contract 0 / 10
Documented Reversibility 6.0 / 6
MCP Server 0 / 12
Machine-Readable Auth bearer 3.5 / 10
Idempotency 0 / 9
Stable Error Semantics documented 4.0 / 8
Request/Response Examples partial 3.5 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 6 / 6
Agent Skills derived 1.3 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
Delegated User Identity 0 / 6
Protected Resource Metadata 0 / 5
Registration Without a Human 0 / 6
Agentic Commerce Well-Known Document 0 / 5
Oper Credits Kin Score — API readiness rating by API Evangelist

Put this on your own site. The badge is drawn live from Oper Credits'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/oper-credits/"
   title="Oper Credits on API Evangelist — API profile and Kin Score">
  <img src="https://apis.io/badge/oper-credits.svg"
       alt="Oper Credits Kin Score — API readiness rating by API Evangelist" width="150" height="150" loading="lazy">
</a>

More shapes, themes and sizes → · Score as JSON · How badges work

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 ·

Open Collections 53

Open, tool-agnostic collections carry the same runnable value as Postman without locking you to one client — the portable, forkable form of the same exercise.

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

Oper Credits Agent Documents API

OPEN COLLECTION

Oper Credits Agent Documents Appointment Booking Websites API

OPEN COLLECTION

Oper Credits Agent Documents Approvals API

OPEN COLLECTION

Oper Credits Agent Documents Bank Release Policy API

OPEN COLLECTION

Oper Credits Agent Documents Base Products API

OPEN COLLECTION

Oper Credits Agent Documents Calculate API

OPEN COLLECTION

Oper Credits Agent Documents Check Invite Token API

OPEN COLLECTION

Oper Credits Agent Documents Check Reset Password API

OPEN COLLECTION

Oper Credits Agent Documents Client Users API

OPEN COLLECTION

Oper Credits Agent Documents Clients API

OPEN COLLECTION

Oper Credits Agent Documents Commissions API

OPEN COLLECTION

Oper Credits Agent Documents Communication History API

OPEN COLLECTION

Oper Credits Agent Documents Connective API

OPEN COLLECTION

Oper Credits Agent Documents Contact Advisor API

OPEN COLLECTION

Oper Credits Agent Documents Contact API

OPEN COLLECTION

Oper Credits Agent Documents Contact Policy API

OPEN COLLECTION

Oper Credits Agent Documents Credit Providers API

OPEN COLLECTION

Oper Credits Agent Documents Documentation Library API

OPEN COLLECTION

Oper Credits Agent Documents API

OPEN COLLECTION

Oper Credits Agent Documents Easy Audit API

OPEN COLLECTION

Oper Credits Agent Documents Forgot Password API

OPEN COLLECTION

Oper Credits Agent Documents Gdpr Policy API

OPEN COLLECTION

Oper Credits Agent Documents Health API

OPEN COLLECTION

Oper Credits Agent Documents Integrations API

OPEN COLLECTION

Oper Credits Agent Documents Internaldocuments API

OPEN COLLECTION

Oper Credits Agent Documents Jwt API

OPEN COLLECTION

Oper Credits Agent Documents Legal Links API

OPEN COLLECTION

Oper Credits Agent Documents Library API

OPEN COLLECTION

Oper Credits Agent Documents Loan Requests API

OPEN COLLECTION

Oper Credits Agent Documents Loan Requests Client Info API

OPEN COLLECTION

Oper Credits Agent Documents Main API

OPEN COLLECTION

Oper Credits Agent Documents Me API

OPEN COLLECTION

Oper Credits Agent Documents Metrics API

OPEN COLLECTION

Oper Credits Agent Documents Model Fields API

OPEN COLLECTION

Oper Credits Agent Documents Pricing API

OPEN COLLECTION

Oper Credits Agent Documents Privacy Policy API

OPEN COLLECTION

Oper Credits Agent Documents Products API

OPEN COLLECTION

Oper Credits Agent Documents Reset Password API

OPEN COLLECTION

Oper Credits Agent Documents Resources API

OPEN COLLECTION

Oper Credits Agent Documents Send Generic Email API

OPEN COLLECTION

Oper Credits Agent Documents Sign In API

OPEN COLLECTION

Oper Credits Agent Documents Sign Up API

OPEN COLLECTION

Oper Credits Agent Documents Simulators API

OPEN COLLECTION

Oper Credits Agent Documents Sso API

OPEN COLLECTION

Oper Credits Agent Documents Tasks API

OPEN COLLECTION

Oper Credits Agent Documents Terms And Conditions API

OPEN COLLECTION

Oper Credits Agent Documents Third Parties API

OPEN COLLECTION

Oper Credits Agent Documents Third Party Api API

OPEN COLLECTION

Oper Credits Agent Documents User Management API

OPEN COLLECTION

Oper Credits Agent Documents Users API

OPEN COLLECTION

Oper Credits Agent Documents Validators API

OPEN COLLECTION

Oper Credits Agent Documents Webhooks API

OPEN COLLECTION

Scroll within the panel for all 53 ·

Event 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

ASYNCAPI

Security 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.

Oper Credits Authentication

http · 1 scheme

SECURITY

Oper Credits Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Oper Credits Vulnerability Disclosure

Hackerone · contact published

SECURITY

Oper Credits Trust Center

ISO 27001, GDPR

SECURITY

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

DeveloperPortal
DeveloperPortal

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate
X-MCPServerCandidate
 AgentSkill
AgentSkill
 LLMsTxt
LLMsTxt

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions
Conventions
 ErrorCatalog
ErrorCatalog
 DataModel
DataModel
 Lifecycle
Lifecycle
 Conformance
Conformance
 Webhooks
Webhooks

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 6

Authentication, authorization, and security posture

Authentication
Authentication
 Compliance
Compliance
 DomainSecurity
DomainSecurity
 VulnerabilityDisclosure
VulnerabilityDisclosure
 Security
Security
 TrustCenter
TrustCenter

Operate 1

Status, limits, changes, and where to get help

Support
Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Other 2

Properties that don't map to a standard resource type

CapabilityMap
CapabilityMap
 Overlay
Overlay

← All providers · Data indexed from github.com/api-evangelist/oper-credits · machine-readable index on apis.io

Where this information came from

This is an independent, third-party profile of Oper Credits, 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.

info@apievangelist.com · Read the full data-sourcing policy →
On a security or compliance team? Put security in the subject line and you will get a person, not a form — we will tell you exactly which public URLs this profile was built from.