# Jifiti

> Jifiti is a white-labeled embedded-lending platform. Banks and lenders use it to
> place their own loan programs at any point of sale — in store, online, or via call
> center — so merchants can offer consumer and business financing from lenders their
> customers already trust. The platform covers BNPL and split payments, one-time
> installment loans, revolving lines of credit, B2B financing, disbursement and
> settlement (including virtual cards), and merchant/lender reporting portals.

Generated 2026-08-27 by the API Evangelist enrichment pipeline from apis.yml and the
artifacts in this repository. Jifiti does not publish an llms.txt of its own —
https://www.jifiti.com/llms.txt returns 404, and the /llms.txt paths on the two
developer hubs redirect to a password gate.

## Important: what is and is not publicly available

Jifiti markets two APIs but publishes no machine-readable contract and no public API
reference. There is no OpenAPI, Swagger, AsyncAPI, GraphQL SDL, WSDL or Postman
collection at any reachable URL. The reference material sits inside two
password-protected ReadMe hubs, and access is granted only after a Developer Access
Request form is approved. An agent cannot integrate with Jifiti from public
information alone; it must first obtain portal credentials from Jifiti.

## APIs

- [Jifiti Buy Now Pay Later API](https://www.jifiti.com/api/): Split payments and
  consumer financing for merchants — one-time loans and revolving lines of credit,
  plus embeddable promotional widgets. Reference is gated.
- [Jifiti Embedded Lending API](https://www.jifiti.com/lending-api/): For banks and
  lenders — platform architecture, component diagrams and integration guides for
  mapping a lending solution onto Jifiti. Reference is gated.

## Developer surfaces

- [Merchant developer portal (public landing)](https://www.jifiti.com/api/)
- [Lender developer portal (public landing)](https://www.jifiti.com/lending-api/)
- [Developer hub — CRED API (password-gated)](https://developers.jifiti.com/)
- [Lender hub — jifiti4lenders (password-gated)](https://lenders.jifiti.com/)
- [Status page (login-gated)](https://status.jifiti.com/)
- [API host health check](https://api.jifiti.com/ping): returns "healthy". All other
  paths on this host return an AWS API Gateway 403. Jifiti does not publish a base URL.

## Agent surfaces

- Lending MCP (Alpha): announced only as an option in Jifiti's Developer Access
  Request form. No endpoint, package or install command is published. See
  mcp/jifiti-mcp.yml.
- No A2A agent card: /.well-known/agent-card.json and /.well-known/agent.json miss on
  every Jifiti host.
- No /.well-known/ documents of any kind. See well-known/jifiti-well-known.yml.

## Compliance and trust

- [Compliance and certifications](https://www.jifiti.com/compliance/): ISO/IEC 27001,
  PCI DSS, SOC 1 Type II, SOC 2 Type II, DORA, EU-US Data Privacy Framework with the
  UK Extension.
- [ISO 27001 certification](https://www.jifiti.com/jifiti-iso-27001-certification/)
- [EMI licence](https://www.jifiti.com/emi/): Jifiti is a licensed e-money issuer.
- [Privacy notice](https://www.jifiti.com/privacy-notice/)
- [Terms](https://www.jifiti.com/terms/)

## Commercial

- No public pricing. https://www.jifiti.com/pricing/ returns 404. Jifiti sells under
  negotiated agreements via [contact sales](https://www.jifiti.com/contact/).
- No published rate limits.

## Company

- [Website](https://www.jifiti.com)
- [About](https://www.jifiti.com/about/)
- [FAQs](https://www.jifiti.com/faq/)
- [Resource center](https://www.jifiti.com/resource-center/)
- [Blog](https://www.jifiti.com/blog/)
- [Industry news](https://www.jifiti.com/news/)
- [Glossary](https://www.jifiti.com/glossary/)
- [LinkedIn](https://www.linkedin.com/company/jifiti)