aid: cermati

name: Cermati

image: https://next-static.cermati.com/marketplace/static/images/open-graph/cermati-og.jpg

description: Cermati (PT Agregasi Cermat Indonesia) is a fintech aggregator offering a platform for loans, credit cards, insurance, investments
  and gold products in Indonesia. It provides consumers with information and access to thousands of financial products, and offers API access
  to product data for developers. Registered with OJK, it operates via its website https://www.cermati.com and mobile app.

url: https://raw.githubusercontent.com/api-evangelist/cermati/refs/heads/main/apis.yml

x-type: company

x-source: harvest:secondary-market

x-tier: profiled
x-tier-reason: enrichment pass 2026-10-08 (modular-v1; was harvest)

specificationVersion: '0.20'

created: '2026-10-07'

modified: '2026-10-07'

tags:
- Fintech
- Loans
- CreditCards
- Insurance
- Investments
- Indonesia

maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io

common:
- type: Vendors
  url: vendors/cermati-vendors.yml
- type: LLMsTxt
  url: llms/cermati-llms.txt
- type: Hosts
  url: hosts/cermati-hosts.yml
- type: TermsOfService
  url: https://www.cermati.com/pages/terms-and-conditions
- type: PrivacyPolicy
  url: https://www.cermati.com/pages/privacy-policy
- type: Documentation
  url: https://docs.cermati.com/
- type: DeveloperPortal
  url: https://docs.cermatiprotect.com/
- type: GitHubOrganization
  url: https://github.com/cermati
- type: DomainSecurity
  url: security/cermati-domain-security.yml
- type: Website
  url: https://www.cermati.com/

apis:
- name: Cermati Protect Generic Insurance API
  description: This is the documentation of Cermati Protect Generic Insurance API
  humanURL: https://docs.cermatiprotect.com/reference/post_generic.md
  baseURL: null
  properties:
  - type: OpenAPI
    url: openapi/cermati-protect-openapi.json
  aid: cermati:cermati-protect-generic-insurance-api

x-coverage:
  state: none
  reason: no-developer-program
  method: derived
  generated: '2026-10-08'
  generator: derive-coverage.py (pre-flight evidence)
  detail: the company publishes no developer documentation host and no machine-readable contract on its own domain
  evidence:
  - url: https://www.cermati.com/
    status: 200
  - url: https://www.nasdaqprivatemarket.com/
    status: 200
x-enrichment:
  date: '2026-10-08'
  status: enriched
  artifacts_added: 8
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local