aid: kapital
name: Kapital
description: >-
  Kapital (KPTL MEXICO BANK, S.A., Institucion de Banca Multiple, Kapital Mexico Grupo
  Financiero) is a licensed Mexican bank and AI-native financial platform for SMEs and
  corporates, founded in 2019 and headquartered in Mexico City. Its ecosystem combines
  business and personal deposit accounts, corporate cards, SPEI and SPID transfers, FX
  cash/transfers/cheques and derivatives (forwards, interest rates), working-capital and
  revolving credit (Credito Empresarial, Credito PyME, Credito FLEX), factoring, and
  fixed-income investments (Pagare, CEDES) with Kapital IA, a native artificial-intelligence
  layer that reconciles cash flow, projects sales, validates supplier pricing and flags
  anomalous costs. It is supervised by the CNBV and Banco de Mexico, with deposits protected
  by IPAB, and it also operates in Colombia as Kapital Colombia. Kapital publishes no public
  developer portal, OpenAPI, SDK or webhook surface; the banking surface is delivered through
  its own web and mobile applications.
image: https://images.ctfassets.net/vr3zuj968faf/4ukUDPhZ4HcU709aDP2z4W/672ff99991179687f553c2de8c41dbd4/Kapital__1_.webp
url: https://raw.githubusercontent.com/api-evangelist/kapital/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-secondary-market-listing: https://www.hiive.com/securities/kapital-stock
specificationVersion: '0.20'
created: '2026-08-23'
modified: '2026-08-23'
tags:
- Banking
- Financial Services
- FinTech
- Small and Medium Businesses
- Payments
- Foreign Exchange
- Lending
- Treasury
- Artificial Intelligence
- Mexico
- Latin America
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/kapital-domain-security.yml
- type: Website
  url: https://kapital.com/
- type: Blog
  url: https://kapital.com/blog
- type: Pricing
  url: https://kapital.com/recursos/costos-y-comisiones
- type: TermsOfService
  url: https://kapital.com/recursos/terminos-y-condiciones
- type: PrivacyPolicy
  url: https://kapital.com/recursos/aviso-de-privacidad
- type: SignUp
  url: https://onboarding.kapital.com/registro-inicial
- type: Login
  url: https://app.kapital.com/
- type: Support
  url: https://kapital.com/recursos/aclaraciones
- type: GitHubOrganization
  url: https://github.com/KapitalMx
- type: LLMsTxt
  url: llms/kapital-llms.txt
- type: Conformance
  url: conformance/kapital-conformance.yml
- type: Compliance
  url: conformance/kapital-conformance.yml
- type: Plans
  url: plans/kapital-plans-pricing.yml
- type: RateLimits
  url: rate-limits/kapital-rate-limits.yml
x-enrichment:
  date: '2026-08-23'
  status: minimal
  artifacts_added: 8
  pass: local-v1
x-coverage:
  state: none
  reason: no-developer-program
  detail: >-
    Kapital Bank ships regulated banking only as an end-user product - its whole 58-URL
    sitemap contains no developer, API, integration or documentation page, robots.txt
    disallows /api/*, and the only two API hosts that resolve are private app backends
    (api.kapital.com answers "404 page not found" on every path behind Imperva, and
    api.kapital.mx is an AWS ALB catch-all returning the same 50-byte
    {"code":200,"message":"Exito","response":false} for every path including a nonexistent
    control path).
  evidence:
  - url: https://kapital.com/sitemaps/sitemap-pages.xml
    status: 200
  - url: https://kapital.com/robots.txt
    status: 200
  - url: https://api.kapital.com/openapi.json
    status: 404
  - url: https://api.kapital.mx/.well-known/this-path-does-not-exist-ae-probe
    status: 200
  - url: https://developers.kapital.com/
    status: 0
  - url: https://kapital.com/llms.txt
    status: 200
  checked: '2026-08-23'