Ziina
Ziina is a Dubai-based (UAE) fintech offering an instant money and payments platform for consumers and businesses. Its REST API lets developers create hosted and embedded payment intents, issue refunds, run peer transfers between Ziina accounts, and register webhooks. Amounts are in the currency's minor unit (fils for AED), auth is HTTP bearer (JWT) via OAuth 2.0 scopes, and settlement is in AED with multi-currency acceptance.
Solid contracts, transparent operations, and an easy start — typically complete on four or five facets with one clear soft spot.
API Evangelist profiles Ziina the way a machine reads it — 21 machine-readable artifacts across 7 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 — Ziina scores 68.3/100 (strong), with a separate agent-readiness read of 90/100 (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 Ziina
Each block below is one kind of artifact we hold for Ziina. 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 7
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.
Ziina Account API
Retrieve the authenticated account profile.
Ziina HealthCheck API
Service status.
Ziina Log API
The Log API from Ziina — 1 operation(s) for log.
Ziina PaymentIntent API
Create and retrieve payment intents (hosted/embedded checkout).
Ziina Refund API
Issue and retrieve refunds against a payment intent.
Ziina Transfer API
Initiate and retrieve peer transfers between Ziina accounts.
Ziina Webhook API
Register or delete a webhook endpoint for payment events.
Scroll within the panel for all 7 ·
Arazzo Workflows 3
Real integrations are rarely a single call. Arazzo describes the multi-step sequences — auth, then create, then confirm — so both a human and an agent can follow the choreography, not just the endpoints.
Multi-step API workflows described with the Arazzo specification.
_Index
ARAZZOZiina - accept a payment and confirm
Create a payment intent, then poll it until the payment reaches a terminal status. Seed inputs with test=true to run in Ziina test mode.
ARAZZOZiina - refund a payment and confirm
Issue a refund against an existing payment intent, then poll the refund until it reaches a terminal status.
ARAZZOMCP 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.
ziina-mcp.yml
MCP SERVERPricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the six things the Kin Score reads for commercial clarity.
Published pricing tiers and plan structures.
Ziina Plans Pricing
PLANSRate 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.
Ziina Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Ziina Finops
FINOPSEvent 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.
Ziina Webhooks
Event surface for Ziina payment webhooks. When a webhook URL is registered (POST /webhook), Ziina delivers events as HTTP POST callbacks over HTTPS to that URL. Non-2xx response...
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.
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.
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 Ziina — 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 4
Portal, sign-up, and the first successful call
Documentation 3
Reference material describing how the API behaves
Agent Surfaces 5
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 10
Pagination, idempotency, versioning, errors, and events
Scroll within the panel for all 10 ·
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 6
Authentication, authorization, and security posture
Operate 2
Status, limits, changes, and where to get help
Commercial 5
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Other 1
Properties that don't map to a standard resource type
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