aid: aella-credit
name: Aella Credit
description: >-
  Aella (Aella Credit) is a technology-driven microfinance bank licensed by the
  Central Bank of Nigeria (CBN), building consumer and business financial
  infrastructure across Africa. Its consumer app offers savings, low-interest
  and same-day loans, bill payments, and high-yield savings accounts, while its
  Fintech-as-a-Service platform exposes that infrastructure to businesses through
  a developer-facing API gateway. Published API capabilities include wallet-as-a-
  service (create and manage digital wallets with real-time balances and full
  ledger support), KYC/identity verification via BVN and NIN, bank-account lookup
  and validation, sub-accounts and pooled fund structures for platforms and
  marketplaces, and direct-debit recurring collections. A live Aella Merchant API
  is hosted at api.aellaapp.com and a merchant dashboard at merchant.aellaapp.com,
  though the provider does not yet publish a public developer portal, OpenAPI
  definition, or SDKs. This profile was seeded as a portfolio company of 500 Global
  and enriched by the API Evangelist pipeline.
url: https://raw.githubusercontent.com/api-evangelist/aella-credit/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
x-tier: stub
x-tier-reason: portfolio-lead
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-17'
image: https://static.aellaapp.com/user_image/OPTIONB.png
tags:
- Company
- Fintech
- Banking
- Microfinance
- Payments
- Lending
- Digital Wallet
- KYC
- Identity Verification
- Direct Debit
- Nigeria
- Africa
- Fintech as a Service
apis:
- name: Aella Merchant API
  description: >-
    Aella's Fintech-as-a-Service API gateway for businesses, exposing wallet-as-a-
    service, KYC/identity verification (BVN, NIN), bank-account lookup and
    validation, sub-accounts/pooling, and direct-debit collections. The API host
    responds at api.aellaapp.com ("Welcome to Aella Merchant API"); endpoints are
    authentication-gated and the provider does not yet publish an OpenAPI
    definition or public reference documentation.
  humanURL: https://aellaapp.com/fintech-as-a-service
  baseURL: https://api.aellaapp.com
  properties:
  - type: Website
    url: https://aellaapp.com/fintech-as-a-service
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://aellaapp.com
- type: DeveloperPortal
  url: https://aellaapp.com/fintech-as-a-service
- type: SignUp
  url: https://merchant.aellaapp.com/sign-up
- type: GitHubOrganization
  url: https://github.com/aellacredit
- type: DomainSecurity
  url: security/aella-credit-domain-security.yml
- type: LLMsTxt
  url: llms/aella-credit-llms.txt
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence