apis.credit · the data door of apis.finance · one key · posted prices · x402 LIVE
Your agent can price a Borrower before lunch. Buying the data to do it takes an annual contract, a sales call, and a minimum your product hasn't earned yet. apis.credit is the door where credit intelligence is sold the way agents buy: business credit and KYB, UCC-9 lien positions, prequal simulation, per call, at flat prices posted on a public rate card, metered over x402. Same key as apis.finance, same catalog, same rate card. Granting credit is a reserved act and it is not sold here, which is exactly why everything here can be.
Request a key Read the rate card
One rate card for the family, machine-readable. If your agent can parse it, it can meter its first call.
You've read the enterprise data contracts: annual term, seat-based, audit rights over your usage, and no price your agent can read. Here every SKU is flat, fixed at post, and listed on the same rate card the hub serves at https://apis.finance/rate-card.json. This table is a view of that card, never a second price list. If a price isn't posted, the SKU isn't live, and the row says so.
| SKU | What your agent gets | Price, flat, fixed at post | Status |
|---|---|---|---|
| Business credit / KYB | Entity verification, registrations, lien and judgment flags, cash-flow signals on a Borrower | $3.00 per file pull | LIVE |
| UCC-9 lien intelligence | Debtor search across state filing offices: lien positions, secured parties, filing images. State office fees pass through at cost | $4.00 per search | LIVE |
| Prequal simulation | A Lender's published criteria run against a Borrower file: coverage ratios, amortization scenarios, a typed WOULD_MEET or WOULD_NOT_MEET per criterion. A simulation is not a Decision and opens no Application | $0.01 per calculation, metered as amortization math on the shared rate card | LIVE |
| KYA agent scores | Counterparty score for an agent: Mandate history, settlement record, delegation chain | Price posts with the SKU | ROADMAP · spec posted |
Every fee on this door is a Telemetry Fee: pure data, named on the receipt, never a percentage of any credit. Simulation output is arithmetic on posted criteria. No response from this door decides anything, states an approval, or opens a statutory clock, because no Application exists until a licensed Lender takes one.
You shouldn't have to sign anything to see the shape of the record. This is it, stamped.
{
"object": "credit.business_file",
"specimen": true,
"id": "bcf_01J9KYBF1LEPULL7",
"subject_party": "SPECIMEN MOTORS LLC (Borrower)",
"jurisdiction": "TX",
"permitted_use": {
"regime": "COMMERCIAL",
"fcra_consumer_report": false,
"restriction": "Commercial credit, KYB, and simulation use only. No consumer purpose. This restriction is a term of the call.",
"terms": "https://apis.credit/use-restriction"
},
"entity": {
"legal_name": "SPECIMEN MOTORS LLC",
"status": "ACTIVE",
"formed": "2019-03-08",
"registry": "TX SOS",
"registry_id": "0803300000"
},
"registrations": {
"state_filings_current": true,
"dealer_license": { "state": "TX", "status": "ACTIVE" }
},
"liens": {
"open_count": 1,
"open": [{
"file_number": "26-0000000000",
"type": "UCC-1",
"status": "FILED",
"filing_office": "TX SOS",
"secured_party": "SPECIMEN CAPITAL LLC (Lender)",
"collateral_summary": "All floored vehicle inventory",
"filed_at": "2026-04-14"
}]
},
"judgments": { "open_count": 0 },
"cash_flow_signals": {
"months_observed": 24,
"avg_monthly_inflow": "412300.00",
"avg_monthly_outflow": "396100.00",
"currency": "USD",
"nsf_events_12m": 0,
"attested_at": "2026-07-24T11:02:56Z"
},
"fee": { "line": "Telemetry Fee", "amount": "3.00", "currency": "USD" },
"settlement_ref": "set_01J9X402KYBPULL0",
"pulled_at": "2026-07-26T14:11:38Z"
}The lien in this file is the same UCC-1 the hub's specimen Mandate perfects against. One catalog, one record, read from two doors.
If compliance sign-off is yours to give, this section is yours to forward. apis.credit is not a consumer reporting agency as defined by the Fair Credit Reporting Act, and nothing served from this door is a consumer report. The SKUs are commercial: business credit on entities, KYB, lien intelligence from public filing offices, and simulation arithmetic. The use restriction is not a paragraph in a PDF you agreed to once. It is a term of every call, typed into every response as the permitted_use object you just read, with "fcra_consumer_report": false on the record itself. A request declared for a consumer purpose does not return a thinner file. It returns a typed BLOCKED, and nothing is metered, because a refusal is not a product.
You hold one key; your agent resolves doors by name. api.X is one API for one profession. apis.X is a family of APIs sharing one key. apis.credit is the data door of the apis.finance family: same key, same catalog, same rate card, its own name on the door.
| Property | Status | Role |
|---|---|---|
apis.finance | LIVE | The hub. The kernel, the catalog, the key, the docs, the MCP server. |
apis.credit | LIVE | The data door. You are here. |
apis.loans | ROADMAP | Redirects to the hub (302) until origination is live through licensed partners. |
apis.mortgage | WAITLIST · entity-gated | A separate property under its own paper. It never redirects into the hub. |
You know which file you need first. Tell us three things: what you're building (agent, marketplace, fintech product), which SKUs you need first, and the call volume you expect. One key covers the family, so a key requested here works at the hub, and a key requested at the hub works here.
Agents: the rate card is the door. GET https://apis.finance/rate-card.json