aid: lemfi
name: LemFi
description: >-
  LemFi (formerly Lemonade Finance) is a London-headquartered cross-border payments
  and remittance fintech built for immigrant communities, operating as a regulated
  Electronic Money Institution in the UK and as a FinCEN-registered money services
  business in the US through Pomelo Two US LLC (NMLS 2523778). Its consumer mobile
  apps let customers hold multi-currency balances, receive local bank details in
  their country of residence, request money, buy eSIM data, and send international
  transfers to 30+ receive markets across Africa, Asia, Europe and Latin America via
  direct integrations with tier-1 local banks. LemFi is a consumer-app company: as of
  this profile it publishes no developer portal, no public API reference, no OpenAPI
  or other machine-readable contract, no SDKs and no sandbox. What it does publish
  publicly is a Secureframe-hosted trust center naming SOC 2 Type II, PCI DSS Level 1,
  ISO 27001 and GDPR, and a formal vulnerability disclosure policy run through Inspectiv.
url: https://raw.githubusercontent.com/api-evangelist/lemfi/refs/heads/main/apis.yml
x-api-posture: no-product-api
x-api-posture-basis: observed
x-api-posture-note: "LemFi is a consumer-app company: as of this profile it publishes no developer portal, no public API reference, no OpenAPI or other machine-readable contract, no SDKs and no sandbox."
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
image: https://lemfi.com/banner-bg.jpg
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-08-25'
modified: '2026-08-25'
tags:
- Company
- Financial-Services
- Fintech
- Payments
- Remittances
- Cross-Border Payments
- Money Transfer
- Consumer Finance
- Mobile Banking
- eSIM
tags_raw:
- Company
- Financial Services
- Fintech
- Payments
- Remittances
- Cross-Border Payments
- Money Transfer
- Consumer Finance
- Mobile Banking
- eSIM
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: VulnerabilityDisclosure
  url: security/lemfi-vulnerability-disclosure.yml
- type: Conformance
  url: conformance/lemfi-conformance.yml
- type: Compliance
  url: conformance/lemfi-conformance.yml
- type: LLMsTxt
  url: llms/lemfi-llms.txt
- type: Plans
  url: plans/lemfi-plans-pricing.yml
- type: RateLimits
  url: rate-limits/lemfi-rate-limits.yml
- type: TrustCenter
  url: security/lemfi-trust-center.yml
- type: DomainSecurity
  url: security/lemfi-domain-security.yml
- type: Website
  url: https://lemfi.com/en-us/
- type: Blog
  url: https://blog.lemfi.com/
- type: Support
  url: https://lemfi.com/en-us/contact-us
- type: HelpCenter
  url: https://support.lemfi.com/hc/en-us
- type: TermsOfService
  url: https://lemfi.com/en-us/legal/terms
- type: PrivacyPolicy
  url: https://lemfi.com/en-us/legal/mobile-privacy
- type: Security
  url: https://lemfi.com/en-us/legal/vulnerability-disclosure-policy
x-enrichment:
  date: '2026-08-25'
  status: minimal
  artifacts_added: 8
  pass: local-v1
x-coverage:
  state: none
  reason: no-developer-program
  detail: >-
    LemFi is a consumer remittance app with no developer program at all — api.,
    developer., developers., docs., business., partner. and sandbox..lemfi.com do not
    resolve in DNS, /en-us/developers and /en-us/api 404 on the Nuxt site, no GitHub
    organisation exists (github.com/lemfi is an unrelated individual), and no npm,
    PyPI, RubyGems or Packagist package is published; the only LemFi-controlled API
    host, api.lemonade.finance, is the private AWS API Gateway behind the mobile apps
    and answers 403 "Missing Authentication Token" on every path.
  evidence:
  - url: https://lemfi.com/en-us/developers
    status: 404
  - url: https://lemfi.com/en-us/api
    status: 404
  - url: https://api.lemonade.finance/openapi.json
    status: 403
  - url: https://lemfi.com/.well-known/agent-card.json
    status: 404
  - url: https://lemfi.com/llms.txt
    status: 404
  checked: '2026-08-25'