aid: altbank
name: alt.bank
description: >-
  alt.bank is a Brazilian fintech offering a turnkey credit-card platform that
  lets partners launch their own prepaid and postpaid credit cards in Brazil
  without holding a banking license. The company provides white-label card
  issuance, Visa BIN sponsorship, digital onboarding with KYC/AML, and
  fraud/chargeback management. Its developer surface centers on GUARD, a
  credit-underwriting and risk-scoring API that scores applicants (by CPF)
  against traditional and alternative data and returns a risk band and a
  suggested initial credit line asynchronously via partner callback, alongside
  the CLIMB limit-management system and the Pix Crédito product. Founded in 2018
  and backed by Union Square Ventures, Anthemis, and others, alt.bank targets the
  underbanked across Brazil and Latin America.
url: https://raw.githubusercontent.com/api-evangelist/altbank/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- union-square-ventures
x-tier: profiled
x-tier-reason: enriched-real-developer-portal
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://altbank.ai/wp-content/uploads/2020/08/cropped-alt.bank-logo-square-300x300.png
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-17'
tags:
- Company
- Fintech
- Banking
- Credit Cards
- Card Issuing
- Underwriting
- Payments
- Brazil
- KYC
apis:
- aid: altbank:altbank-underwriting-api
  name: alt.bank Underwriting API
  description: Credit underwriting and risk scoring for partner card issuance.
  humanURL: https://developers.altbank.ai/docs/guard-api
  baseURL: https://guard.altbank.ai
  tags:
  - Underwriting
  properties:
  - type: OpenAPI
    url: openapi/altbank-underwriting-api-openapi.yml
  - type: Documentation
    url: https://developers.altbank.ai/docs/guard-api
  - type: APIReference
    url: https://developers.altbank.ai/docs/guard-api
  - type: Authentication
    url: authentication/altbank-authentication.yml
  - type: Sandbox
    url: sandbox/altbank-sandbox.yml
  - type: Webhooks
    url: asyncapi/altbank-guard-webhooks.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://altbank.ai
- type: DeveloperPortal
  url: https://developers.altbank.ai/
- type: Documentation
  url: https://developers.altbank.ai/docs/guard-api
- type: APIReference
  url: https://developers.altbank.ai/docs/guard-api
- type: OpenAPI
  url: openapi/altbank-guard-openapi.yml
- type: Authentication
  url: authentication/altbank-authentication.yml
- type: Sandbox
  url: sandbox/altbank-sandbox.yml
- type: Conventions
  url: conventions/altbank-conventions.yml
- type: Webhooks
  url: asyncapi/altbank-guard-webhooks.yml
- type: MCPServer
  url: mcp/altbank-mcp.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/altbank-llms.txt
- type: DomainSecurity
  url: security/altbank-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence