Toqio
Toqio is an embedded finance platform that lets corporates and financial institutions design, launch, and scale financial products — accounts, payments, cards, lending, and expense management — for their SME customers without building infrastructure. The platform pairs a no-code/low-code Design Studio with a REST API (OAuth 2.0 client credentials) covering accounts, transactions, beneficiaries, cards, fees, compliance/KYB, revenue collection, and notifications, plus an Integration Hub through which banks and BaaS providers plug their services into the Toqio marketplace.
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 Toqio the way a machine reads it — 54 machine-readable artifacts across 49 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 — Toqio scores 57.0/100 (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 Toqio
Each block below is one kind of artifact we hold for Toqio. 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 49
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.
Toqio Account API
The Account API from Toqio — 7 operation(s) for account.
Toqio Account information API
The Account information API from Toqio — 7 operation(s) for account information.
Toqio API Endpoints API
The API Endpoints API from Toqio — 2 operation(s) for api endpoints.
Toqio Beneficiary actions API
The Beneficiary actions API from Toqio — 3 operation(s) for beneficiary actions.
Toqio Beneficiary API
The Beneficiary API from Toqio — 6 operation(s) for beneficiary.
Toqio Card actions API
The Card actions API from Toqio — 7 operation(s) for card actions.
Toqio Card Details API
The Card Details API from Toqio — 6 operation(s) for card details.
Toqio Card Lifecycle API
The Card Lifecycle API from Toqio — 9 operation(s) for card lifecycle.
Toqio Card Limits API
The Card Limits API from Toqio — 3 operation(s) for card limits.
Toqio Client accounts information API
The Client accounts information API from Toqio — 1 operation(s) for client accounts information.
Toqio Client actions API
The Client actions API from Toqio — 4 operation(s) for client actions.
Toqio Client information API
The Client information API from Toqio — 2 operation(s) for client information.
Toqio Compliance API
The Compliance API from Toqio — 7 operation(s) for compliance.
Toqio compliance-controller API
The compliance-controller API from Toqio — 1 operation(s) for compliance-controller.
Toqio Create transaction API
The Create transaction API from Toqio — 1 operation(s) for create transaction.
Toqio Credit Cards API
The Credit Cards API from Toqio — 10 operation(s) for credit cards.
Toqio Custom Faculties API
The Custom Faculties API from Toqio — 1 operation(s) for custom faculties.
Toqio Custom Ledger App Texts API
The Custom Ledger App Texts API from Toqio — 2 operation(s) for custom ledger app texts.
Toqio Custom Notifications API
The Custom Notifications API from Toqio — 3 operation(s) for custom notifications.
Toqio Customer API
The Customer API from Toqio — 7 operation(s) for customer.
Toqio Delete Account API
The Delete Account API from Toqio — 1 operation(s) for delete account.
Toqio Direct debit API
The Direct debit API from Toqio — 3 operation(s) for direct debit.
Toqio Dynamic Account Button Configuration API
The Dynamic Account Button Configuration API from Toqio — 1 operation(s) for dynamic account button configuration.
Toqio Email Configuration API
The Email Configuration API from Toqio — 1 operation(s) for email configuration.
Toqio Fees API
The Fees API from Toqio — 3 operation(s) for fees.
Toqio Get Customer account information API
The Get Customer account information API from Toqio — 1 operation(s) for get customer account information.
Toqio JWT validation API
The JWT validation API from Toqio — 1 operation(s) for jwt validation.
Toqio Lending API
The Lending API from Toqio — 1 operation(s) for lending.
Toqio Lending - Lender API
The Lending - Lender API from Toqio — 1 operation(s) for lending - lender.
Toqio Lending - Loan API
The Lending - Loan API from Toqio — 4 operation(s) for lending - loan.
Toqio Lending - Loan - Offer API
The Lending - Loan - Offer API from Toqio — 2 operation(s) for lending - loan - offer.
Toqio Lending - Loan - Request API
The Lending - Loan - Request API from Toqio — 3 operation(s) for lending - loan - request.
Toqio Manage requests API
The Manage requests API from Toqio — 5 operation(s) for manage requests.
Toqio MeaWallet API
The MeaWallet API from Toqio — 1 operation(s) for meawallet.
Toqio Merchant API
The Merchant API from Toqio — 2 operation(s) for merchant.
Toqio Onboarding API
The Onboarding API from Toqio — 4 operation(s) for onboarding.
Toqio onboarding-controller API
The onboarding-controller API from Toqio — 2 operation(s) for onboarding-controller.
Toqio OTP API
The OTP API from Toqio — 1 operation(s) for otp.
Toqio pre-signed-url-controller API
The pre-signed-url-controller API from Toqio — 1 operation(s) for pre-signed-url-controller.
Toqio Products API
The Products API from Toqio — 1 operation(s) for products.
Toqio Provider API
The Provider API from Toqio — 1 operation(s) for provider.
Toqio Receive request payment API
The Receive request payment API from Toqio — 2 operation(s) for receive request payment.
Toqio Security API
The Security API from Toqio — 8 operation(s) for security.
Toqio Transaction API
The Transaction API from Toqio — 9 operation(s) for transaction.
Toqio Transactions information API
The Transactions information API from Toqio — 6 operation(s) for transactions information.
Toqio User API
The User API from Toqio — 2 operation(s) for user.
Toqio User credentials API
The User credentials API from Toqio — 5 operation(s) for user credentials.
Toqio User status API
The User status API from Toqio — 1 operation(s) for user status.
Toqio Webhook API
The Webhook API from Toqio — 2 operation(s) for webhook.
Scroll within the panel for all 49 ·
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.
toqio-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.
Toqio 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.
Scopes 1
OAuth scopes are the vocabulary of least-privilege access. Profiling them shows exactly what an integration — or an agent acting on a user's behalf — is allowed to do.
OAuth scopes governing access to this provider's APIs.
Resources
Every other property we hold for Toqio — 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 3
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 7
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 7 ·
Build 3
SDKs, sample code, and the tooling you integrate with
Access & Security 4
Authentication, authorization, and security posture
Operate 2
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
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