aid: kreditech
name: Monedo
description: >-
  Monedo, founded in Hamburg in 2012 as Kreditech and renamed Monedo in March 2020, was a
  German online consumer lender that underwrote short-term and installment credit in Poland,
  Spain, Russia, Romania, India and Mexico using a self-learning machine-learning scoring
  engine over thousands of alternative data points instead of traditional bureau scores.
  Backed by Peter Thiel, J.C. Flowers and Naspers, it was valued above EUR 230m in 2017. It
  marketed a business-facing Lending-as-a-Service / Credit-as-a-Service partner API that let
  retailers, telcos, banks and payment providers embed its credit products and point-of-sale
  financing, but that surface was sales-gated for its whole life: the company never operated
  a public developer portal, never published a reference, and never published a
  machine-readable contract. Monedo filed for insolvency in a Hamburg court in September 2020
  and ceased operations in December 2020. Both monedo.com and kreditech.com lapsed and were
  re-registered by unrelated parties in 2022 - monedo.com is now a GoDaddy aftermarket
  listing offered for sale - so no company-controlled web or API surface remains.
image: https://avatars.githubusercontent.com/u/8436933?v=4
url: https://raw.githubusercontent.com/api-evangelist/kreditech/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: stub
x-tier-reason: harvest
specificationVersion: '0.20'
created: '2026-08-23'
modified: '2026-08-23'
tags:
- Company
- Defunct
- Financial-Services
- Fintech
- Lending
- Consumer Credit
- Credit Scoring
- Machine Learning
- Point of Sale Financing
- Germany
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: SecondaryMarket
  url: https://forgeglobal.com/kreditech_stock/
- type: GitHubOrganization
  url: https://github.com/Kreditech
x-enrichment:
  date: '2026-08-23'
  status: minimal
  artifacts_added: 1
  pass: local-v1
x-coverage:
  state: none
  reason: defunct
  detail: >-
    Monedo (formerly Kreditech) filed for insolvency in Hamburg in September 2020 and ceased
    operations that December; it no longer holds either of its own domains, and monedo.com -
    re-registered through GoDaddy in September 2022 - now answers HTTP 200 with the same
    114-byte parking redirect shell on every path including /openapi.json and every
    /.well-known/ path, serves an llms.txt whose only subject is the sale of the domain
    name, and wildcards api./developer./docs. to the same parking IPs.
  evidence:
  - url: https://monedo.com/
    status: 200
  - url: https://monedo.com/openapi.json
    status: 200
  - url: https://monedo.com/.well-known/agent-card.json
    status: 200
  - url: https://monedo.com/llms.txt
    status: 200
  - url: https://kreditech.com/
    status: 202
  - url: https://api.github.com/orgs/monedo
    status: 404
  - url: https://github.com/Kreditech
    status: 200
  - url: https://forgeglobal.com/kreditech_stock/
    status: 403
  checked: '2026-08-23'