Sikoia
Sikoia is a UK-based (FCA-authorised AISP), ISO 27001-certified customer-verification platform for financial services. Its REST API automates KYC/KYB and onboarding by grouping companies and people into cases and enriching them with company registry data, company & consumer credit reports, identity verification (IDV), open banking, document upload with classification/extraction and integrity/tampering checks, income & employer verification, affordability insights, PEPs & sanctions and adverse-media screening, plus validation/completeness checklists. The v2 API uses OAuth 2.0 client-credentials, JSON over HTTPS, HMAC-signed webhooks, and a documented rate-limit, error, and deprecation model.
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 Sikoia the way a machine reads it — 25 machine-readable artifacts across 19 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 — Sikoia scores 59.4/100 (developing), with a separate agent-readiness read of 87/100 (agent native). 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 Sikoia
Each block below is one kind of artifact we hold for Sikoia. 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 19
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.
Sikoia Adverse Media API
The Adverse Media API from Sikoia — 2 operation(s) for adverse media.
Sikoia Affordability Insights API
The Affordability Insights API from Sikoia — 5 operation(s) for affordability insights.
Sikoia Authentication API
The Authentication API from Sikoia — 1 operation(s) for authentication.
Sikoia Banking API
The Banking API from Sikoia — 8 operation(s) for banking.
Sikoia Cases API
The Cases API from Sikoia — 2 operation(s) for cases.
Sikoia Checklist API
The Checklist API from Sikoia — 1 operation(s) for checklist.
Sikoia Companies & People API
The Companies & People API from Sikoia — 2 operation(s) for companies & people.
Sikoia Company Credit Report API
The Company Credit Report API from Sikoia — 4 operation(s) for company credit report.
Sikoia Company Registry API
The Company Registry API from Sikoia — 5 operation(s) for company registry.
Sikoia Data Sources API
The Data Sources API from Sikoia — 1 operation(s) for data sources.
Sikoia Documents API
The Documents API from Sikoia — 5 operation(s) for documents.
Sikoia Excel Report API
The Excel Report API from Sikoia — 1 operation(s) for excel report.
Sikoia Identity Verification API
The Identity Verification API from Sikoia — 3 operation(s) for identity verification.
Sikoia Income & Employer Verification API
The Income & Employer Verification API from Sikoia — 4 operation(s) for income & employer verification.
Sikoia Online Data API
The Online Data API from Sikoia — 3 operation(s) for online data.
Sikoia PEPs & Sanctions API
The PEPs & Sanctions API from Sikoia — 2 operation(s) for peps & sanctions.
Sikoia User Management API
The User Management API from Sikoia — 1 operation(s) for user management.
Sikoia Validation Checklists API
The Validation Checklists API from Sikoia — 4 operation(s) for validation checklists.
Sikoia Webhooks API
The Webhooks API from Sikoia — 6 operation(s) for webhooks.
Scroll within the panel for all 19 ·
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.
sikoia-mcp.yml
MCP SERVERRate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Sikoia Rate Limits
RATE LIMITSEvent 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.
Sikoia Webhooks
ASYNCAPISecurity 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.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for Sikoia — 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 5
Portal, sign-up, and the first successful call
Documentation 3
Reference material describing how the API behaves
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 7
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 7 ·
Access & Security 3
Authentication, authorization, and security posture
Operate 5
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
Other 1
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/sikoia · machine-readable index on apis.io