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Where the information came from. Everything here is assembled from material a member of the public can reach with a browser and no credentials — the company's own website, developer portal and documentation, the specifications it publishes for public use (OpenAPI, AsyncAPI, JSON Schema,
apis.json,llms.txtand similar), its public repositories, and its public status, pricing and changelog pages. Nothing here is obtained by breaching a system, defeating an access control, or using credentials of any kind.The rating is an independent assessment. The Kin Score and Agent Readiness rating are independently calculated scores of a company's public API artifacts, produced by API Evangelist against a published rubric. They are not certifications, endorsements, security assessments, or audits, and they score published artifacts — not the quality, safety, or security of the software.
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Full detail: Where this data comes from
Kriya (Kriya Finance Limited, London) is a UK B2B embedded-finance and working-capital provider that lets merchants offer trade credit to their business buyers — Embedded PayLater, Invoice Finance, working capital loans, Buyer Authentication, Offline Payments and Kriya on Stripe. Kriya was acquired by Allica Bank in October 2025.
Website: https://www.kriya.co — Developer docs: https://docs.kriya.co/
Backed by: northzone
| API | Docs | Base URL | Spec |
|---|---|---|---|
| Kriya Payments API | https://docs.kriya.co/payments | https://api.kriya.co/payments/ |
openapi/kriya-payments-openapi.yaml |
| Kriya Onboarding API | https://docs.kriya.co/onboarding | https://api.kriya.co/onboarding/ |
openapi/kriya-onboarding-openapi.yaml |
Both OpenAPI 3.0.1 documents were harvested from https://cdn.kriya.co/images/,
which backs the Redoc portal at docs.kriya.co. 20 operations, 49 schemas.
| Artifact | File | Method |
|---|---|---|
| Authentication | authentication/ | searched |
| Conventions | conventions/ | searched |
| Webhooks | asyncapi/ | searched |
| Sandbox | sandbox/ | searched |
| Embedded components | components/ | searched |
| Decline codes | errors/ | searched |
| Error catalog | errors/ | derived |
| Data model | data-model/ | derived |
| Conformance | conformance/ | derived |
| Lifecycle | lifecycle/ | searched |
| Overlays | overlays/ | generated |
| Agent skills | skills/ | generated |
| llms.txt | llms/ | generated |
| MCP (candidate) | mcp/ | derived |
| Domain security | security/ | probed |
| Vulnerability disclosure | security/ | searched |
| Well-known (none found) | well-known/ | searched |
| Packages (none found) | packages/ | searched |
- Auth is a static partner API key in the
X-Kriya-ApiKeyheader. Neither spec declaressecuritySchemes— the overlays add it. - No OAuth, no scopes, and no idempotency contract.
- Rate limits: 2000 req / 5 min per key; company search 5 req/sec.
- Errors use a
problemDetailsenvelope that is not RFC 9457. - Four HMAC-signed webhook events (
X-Kriya-Signature, HMAC-SHA256, base64), 3 retries with 2s/4s/8s backoff, delivery not guaranteed. - A real Test environment at
api.kriya.devwith Test-only/scenario/simulators. TransitionOrderStatus→ReadyToAdvanceadvances real funds and is irreversible.
No /.well-known/ documents, status page, changelog, deprecation or versioning
policy, SLA, AsyncAPI document, MCP server, CLI, GitHub organisation, or any
first-party SDK in npm/PyPI. Packages named "kriya" in the public registries belong
to unrelated projects.