aid: 8percent
name: 8percent
description: >-
  8percent (에잇퍼센트) is a Seoul-based fintech company, founded in November 2014, that built
  Korea's first-generation peer-to-peer lending marketplace and in June 2021 became the
  country's first company registered as an Online Investment-linked Finance Business operator
  (온라인투자연계금융업 registration 2021-2) under the Financial Services Commission. Its platform
  matches retail and institutional investors with mid-credit borrowers, and has expanded from
  unsecured personal credit loans into real-estate-backed lending, stock-purchase loans,
  gig-worker financing, small-business loans and rental-deposit loans, underwriting them with an
  in-house AI credit-assessment model the company markets as "E-index". Cumulative originations
  are reported at roughly ₩1.4 trillion, and in July 2026 8percent acquired security-token
  operator A-Panda Partners to tokenize loan receivables. The service ships as a Korean-language
  consumer web app plus iOS and Android apps, served by a private first-party API host
  (core-api.8percent.kr) that the site's own production JavaScript names as its base. 8percent
  publishes no developer portal, no API reference, no SDK and no machine-readable contract of any
  kind; its public GitHub organization carries internal engineering tooling and study repos rather
  than API client libraries.
image: https://cdn-media.8percent.kr/meta/8percent-meta.png
url: https://raw.githubusercontent.com/api-evangelist/8percent/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-harvest-source-url: https://equityzen.com/company/8percent
x-tier: stub
x-tier-reason: harvest
position: Producing
specificationVersion: '0.20'
created: '2026-09-05'
modified: '2026-09-05'
tags:
- Company
- Financial-Services
- Fintech
- Lending
- P2P Lending
- Marketplace Lending
- Credit Scoring
- Investing
- Consumer Finance
- Real Estate Lending
- Tokenization
- South Korea
tags_raw:
- Company
- Financial Services
- Fintech
- Lending
- P2P Lending
- Marketplace Lending
- Credit Scoring
- Investing
- Consumer Finance
- Real Estate Lending
- Tokenization
- South Korea
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://8percent.kr/
- type: About
  url: https://about.8percent.kr/
- type: Blog
  url: https://blog.8percent.kr/
- type: BlogRSS
  url: https://blog.8percent.kr/feed
- type: PressReleases
  url: https://blog.8percent.kr/category/newsroom/press
- type: GitHubOrganization
  url: https://github.com/8percent
- type: Careers
  url: https://8percent.careers.team/
- type: X
  url: https://x.com/8percent_kr
- type: Support
  url: https://8percent.kr/board/faq/
- type: Login
  url: https://8percent.kr/user/login/
- type: LLMsTxt
  url: llms/8percent-llms.txt
- type: Packages
  url: packages/8percent-packages.yml
- type: Plans
  url: plans/8percent-plans-pricing.yml
- type: DomainSecurity
  url: security/8percent-domain-security.yml
x-enrichment:
  date: '2026-09-05'
  status: minimal
  artifacts_added: 6
  pass: local-v3
x-coverage:
  state: none
  reason: no-developer-program
  detail: >-
    8percent ships only an end-user Korean consumer lending and investing product; the JSON API
    host its own site bundle names, https://core-api.8percent.kr/api, answers /openapi.json,
    /swagger.json, /graphql and /api-docs with HTTP 404 and denies the entire /.well-known/ prefix
    with 403, and neither developers.8percent.kr nor docs.8percent.kr resolves in DNS, no SDK on npm or PyPI, and
    no API mentioned anywhere on 8percent.kr or about.8percent.kr.
  evidence:
  - url: https://core-api.8percent.kr/openapi.json
    status: 404
  - url: https://core-api.8percent.kr/health
    status: 200
  - url: https://core-api.8percent.kr/.well-known/oauth-authorization-server
    status: 403
  - url: https://api.8percent.kr/openapi.json
    status: 404
  - url: https://8percent.kr/llms.txt
    status: 404
  - url: https://8percent.kr/.well-known/agent-card.json
    status: 404
  - url: https://8percent.kr/sitemap.xml
    status: 200
  checked: '2026-09-05'