401GO

401GO is a Utah-based retirement technology provider that delivers fast, low-cost 401(k), Solo 401(k), Cash Balance and IRA plans to small and medium-sized businesses, sole proprietors, financial advisors, payroll bureaus and HCM platforms. The 401GO API is a partner-oriented REST API on app.401go.com that lets payroll providers and benefits platforms programmatically set up plans, sync participant census data, read plan provisions and employer match formulas, retrieve deferral elections and loan deductions, and submit payroll contribution files — the 360-degree payroll integration 401GO markets to HCM partners. The same API also exposes participant-facing surfaces for investments and portfolios, rebalancing, beneficiaries, disbursements, loan requests, rollovers, retirement-planning projections, notifications and documents. Access is OAuth 2.0 (authorization code and client credentials) with OpenID Connect SSO, and is further gated by a per-client endpoint-plus-HTTP-method allow list negotiated during partner onboarding.

401GO publishes 10 API contracts indexed on the APIs.io network, including Affiliates & Firms API, Beneficiaries API, Companies & Plans API, and 7 more. Tagged areas include Company, Retirement, 401k, Financial Services, and Fintech.

The 401GO catalog on APIs.io includes 1 Spectral governance ruleset.

401GO’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, pricing, signup flow, and 31 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

43.5/100 developing ▬ flat Agent 48/100 agent ready Front door AI 1/6 silent Heartbeat 34/100 slowing saas Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

1 published contract 1 MCP Servers 5 Agent Skills

Company Retirement 401k Financial Services Fintech Payroll Human Resources Benefits Investment Wealth Management Employee Benefits

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Human Capital Management

BC-300

BeneficiariesCompanies & PlansContributions & PayrollParticipants

POST /participants/{participant_id}/beneficiaries/ GET /companies/ GET /companies/{company_id}/plan-provisions/ POST /plan-setup/

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 43.5/100 · developing

Contract Quality 8.0 / 19

Developer Ergonomics 9.9 / 15

Access Clarity 6.1 / 15

Operational Transparency 0.0 / 10

Contract Governance 1.6 / 9

Discoverability 5.6 / 8

Regulatory Posture 4.3 / 15

Create-or-Update Ergonomics 1.1 / 10

Agent readiness — 48/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 9 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Employment & Payroll regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0 Ask about this →
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented) Ask about this →
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document Ask about this →
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented) Ask about this →
Typed Event Surface +6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks Ask about this →
Protected Resource Metadata +5 pts — a served /.well-known/oauth-protected-resource carrying `resource` (documented), and naming its authorization_servers (verified) Ask about this →

4 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 42.6 — up to +14.4 composite points Ask about this →
Operational Transparency scores 0.0 — up to +13.0 composite points Ask about this →
Access Clarity scores 40.4 — up to +11.9 composite points Ask about this →

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/401go/apis.yml: open an issue on github.com/api-evangelist/401go to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
HCM and Payroll Marketplaces (ADP, Workday, UKG, Paylocity)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 4

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Model Context Protocol (MCP)

measured — observed by APIs.io (verified)

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

OpenID Connect

measured — observed by APIs.io (declared)

APIs 10

Individual APIs this provider publishes, each with its own machine-readable definition.

401GO Affiliates & Firms API

The Affiliates & Firms API from 401GO — 7 operation(s) for affiliates & firms.

401GO Beneficiaries API

The Beneficiaries API from 401GO — 2 operation(s) for beneficiaries.

401GO Companies & Plans API

The Companies & Plans API from 401GO — 6 operation(s) for companies & plans.

401GO Contributions & Payroll API

The Contributions & Payroll API from 401GO — 5 operation(s) for contributions & payroll.

401GO Documents API

The Documents API from 401GO — 2 operation(s) for documents.

401GO Investments & Portfolios API

The Investments & Portfolios API from 401GO — 8 operation(s) for investments & portfolios.

401GO Money Movement API

The Money Movement API from 401GO — 10 operation(s) for money movement.

401GO Notifications API

The Notifications API from 401GO — 3 operation(s) for notifications.

401GO Participants API

The Participants API from 401GO — 4 operation(s) for participants.

401GO Retirement Planning API

The Retirement Planning API from 401GO — 3 operation(s) for retirement planning.

Scroll for all 10

Open Collections 11

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

401GO Affiliates & Firms API

OPEN COLLECTION

401GO Beneficiaries API

OPEN COLLECTION

401GO Companies & Plans API

OPEN COLLECTION

401GO Contributions & Payroll API

OPEN COLLECTION

401GO Documents API

OPEN COLLECTION

401GO Investments & Portfolios API

OPEN COLLECTION

401GO Money Movement API

OPEN COLLECTION

401GO Notifications API

OPEN COLLECTION

401GO APIs

OPEN COLLECTION

401GO Participants API

OPEN COLLECTION

401GO Retirement Planning API

OPEN COLLECTION

Scroll for all 11

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

401GO MCP Server

Remote MCP server at developer.401go.com over HTTP.

MCP SERVER

Agent Skills 5

Packaged agent skills for driving this provider's APIs from an AI assistant.

Set up a new company and 401(k) plan in 401GO

AGENT SKILL

Handle 401GO participant money movement — loans, disbursements and rollovers

AGENT SKILL

Manage a participant's 401GO investment portfolio

AGENT SKILL

Run a 401GO payroll contribution cycle

AGENT SKILL

Sync employee census into 401GO

AGENT SKILL

Terms of Service 1

What its API terms permit and prohibit, quoted from its own page.

401GO

6 quoted statements, read from 401GO's own page on 2026-11-09.

TERMS

Privacy & Data 1

Its role, the data it processes, retention and transfers, quoted from its own privacy page.

401GO

16 quoted statements, read from 401GO's own page on 2026-11-09.

PRIVACY

Eligibility 1

Who may sign up and where, quoted from its own terms.

401GO

4 quoted statements, read from 401GO's own page on 2026-11-09.

ELIGIBILITY

Data License 1

How its data and outputs may be reused, quoted from its own terms.

401GO

1 quoted statement, read from 401GO's own page on 2026-11-09.

LICENSE

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs. Counts are the severity each rule declares, not results of running them.

401GO API Rules

44 rules · 31 error-severity 12 warn-severity 1 info-severity

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

401GO Api Overlay

9 actions · servers · 401go-openapi-original.json

DERIVED

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

401GO Authentication

oauth2/openIdConnect/apiKey · 3 schemes

SECURITY

401GO Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

401GO Scopes

12 scopes · authorizationCode/clientCredentials

12 scopes

SCOPES

Agentic Access (API Evangelist recommendations) 1

Recommended x-agentic-access execution contracts for AI agents.

401GO Agentic Access

72 operations · 29 acting

AGENTIC

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Sandbox

Sandbox

Documentation 3

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

OpenAPI

OpenAPI

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

WellKnown

MCPServer

AgentSkill

LLMsTxt

AgenticAccess

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

Idempotency

ErrorCatalog

Lifecycle

Conformance

DataModel

Build 2

SDKs, sample code, and the tooling you integrate with

ToolCrosswalk

ToolCrosswalk

Packages

Packages

Access & Security 3

Authentication, authorization, and security posture

Authentication

Authentication

OAuthScopes

OAuthScopes

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 5

Pricing, plans, and the legal terms of use

Pricing

TermsOfService

PrivacyPolicy

UsageTerms

DataLicense

Company 3

The organization behind the API

Website

Website

Blog

Blog

BlogRSS

BlogRSS

Other 5

Properties that don't map to a standard resource type

CapabilityMap

OpenIDConnect

Overlay

DataProcessing

Eligibility

Source (apis.yml)

aid: 401go
name: 401GO
description: 401GO is a Utah-based retirement technology provider that delivers fast, low-cost 401(k), Solo 401(k), Cash Balance
  and IRA plans to small and medium-sized businesses, sole proprietors, financial advisors, payroll bureaus and HCM platforms.
  The 401GO API is a partner-oriented REST API on app.401go.com that lets payroll providers and benefits platforms programmatically
  set up plans, sync participant census data, read plan provisions and employer match formulas, retrieve deferral elections
  and loan deductions, and submit payroll contribution files — the 360-degree payroll integration 401GO markets to HCM partners.
  The same API also exposes participant-facing surfaces for investments and portfolios, rebalancing, beneficiaries, disbursements,
  loan requests, rollovers, retirement-planning projections, notifications and documents. Access is OAuth 2.0 (authorization
  code and client credentials) with OpenID Connect SSO, and is further gated by a per-client endpoint-plus-HTTP-method allow
  list negotiated during partner onboarding.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - scopes
  - security
  - sandbox
  generated: '2026-11-13'
  method: derived
image: https://401go.com/wp-content/uploads/2024/10/cropped-favicon-192x192.png
url: https://raw.githubusercontent.com/api-evangelist/401go/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: profiled
x-tier-reason: enrichment
specificationVersion: '0.23'
created: '2026-08-02'
modified: '2026-08-02'
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-09-17
tags:
- Company
- Retirement
- 401k
- Financial Services
- Fintech
- Payroll
- Human Resources
- Benefits
- Investment
- Wealth Management
- Employee Benefits
tags_raw:
- Company
- Retirement
- 401k
- Financial Services
- Fintech
- Payroll
- Human Resources
- Benefits
- Investments
- Wealth Management
- Financial-Services
- Employee Benefits
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: 401go:401go-affiliates-firms-api
  name: 401GO Affiliates & Firms API
  description: The Affiliates & Firms API from 401GO — 7 operation(s) for affiliates & firms.
  humanURL: https://developer.401go.com/
  baseURL: https://app.401go.com/api
  tags:
  - Affiliates & Firms
  properties:
  - type: OpenAPI
    url: openapi/401go-affiliates-firms-api-openapi.yml
  - type: Documentation
    url: https://developer.401go.com/docs/getting-started
  - type: APIReference
    url: https://developer.401go.com/reference/companies_list
  - type: GettingStarted
    url: https://developer.401go.com/docs/getting-started
  - type: Authentication
    url: https://developer.401go.com/docs/authentication
  - type: DataModel
    url: data-model/401go-data-model.yml
  - type: ToolCrosswalk
    url: mcp/401go-tool-crosswalk.yml
- aid: 401go:401go-beneficiaries-api
  name: 401GO Beneficiaries API
  description: The Beneficiaries API from 401GO — 2 operation(s) for beneficiaries.
  humanURL: https://developer.401go.com/
  baseURL: https://app.401go.com/api
  tags:
  - Beneficiaries
  properties:
  - type: OpenAPI
    url: openapi/401go-beneficiaries-api-openapi.yml
  - type: Documentation
    url: https://developer.401go.com/docs/getting-started
  - type: APIReference
    url: https://developer.401go.com/reference/companies_list
  - type: GettingStarted
    url: https://developer.401go.com/docs/getting-started
  - type: Authentication
    url: https://developer.401go.com/docs/authentication
  - type: DataModel
    url: data-model/401go-data-model.yml
  - type: ToolCrosswalk
    url: mcp/401go-tool-crosswalk.yml
- aid: 401go:401go-companies-plans-api
  name: 401GO Companies & Plans API
  description: The Companies & Plans API from 401GO — 6 operation(s) for companies & plans.
  humanURL: https://developer.401go.com/
  baseURL: https://app.401go.com/api
  tags:
  - Companies & Plans
  properties:
  - type: OpenAPI
    url: openapi/401go-companies-plans-api-openapi.yml
  - type: Documentation
    url: https://developer.401go.com/docs/getting-started
  - type: APIReference
    url: https://developer.401go.com/reference/companies_list
  - type: GettingStarted
    url: https://developer.401go.com/docs/getting-started
  - type: Authentication
    url: https://developer.401go.com/docs/authentication
  - type: DataModel
    url: data-model/401go-data-model.yml
  - type: ToolCrosswalk
    url: mcp/401go-tool-crosswalk.yml
- aid: 401go:401go-contributions-payroll-api
  name: 401GO Contributions & Payroll API
  description: The Contributions & Payroll API from 401GO — 5 operation(s) for contributions & payroll.
  humanURL: https://developer.401go.com/
  baseURL: https://app.401go.com/api
  tags:
  - Contributions & Payroll
  properties:
  - type: OpenAPI
    url: openapi/401go-contributions-payroll-api-openapi.yml
  - type: Documentation
    url: https://developer.401go.com/docs/getting-started
  - type: APIReference
    url: https://developer.401go.com/reference/companies_list
  - type: GettingStarted
    url: https://developer.401go.com/docs/getting-started
  - type: Authentication
    url: https://developer.401go.com/docs/authentication
  - type: DataModel
    url: data-model/401go-data-model.yml
  - type: ToolCrosswalk
    url: mcp/401go-tool-crosswalk.yml
- aid: 401go:401go-documents-api
  name: 401GO Documents API
  description: The Documents API from 401GO — 2 operation(s) for documents.
  humanURL: https://developer.401go.com/
  baseURL: https://app.401go.com/api
  tags:
  - Documents
  properties:
  - type: OpenAPI
    url: openapi/401go-documents-api-openapi.yml
  - type: Documentation
    url: https://developer.401go.com/docs/getting-started
  - type: APIReference
    url: https://developer.401go.com/reference/companies_list
  - type: GettingStarted
    url: https://developer.401go.com/docs/getting-started
  - type: Authentication
    url: https://developer.401go.com/docs/authentication
  - type: DataModel
    url: data-model/401go-data-model.yml
  - type: ToolCrosswalk
    url: mcp/401go-tool-crosswalk.yml
- aid: 401go:401go-investments-portfolios-api
  name: 401GO Investments & Portfolios API
  description: The Investments & Portfolios API from 401GO — 8 operation(s) for investments & portfolios.
  humanURL: https://developer.401go.com/
  baseURL: https://app.401go.com/api
  tags:
  - Investments & Portfolios
  properties:
  - type: OpenAPI
    url: openapi/401go-investments-portfolios-api-openapi.yml
  - type: Documentation
    url: https://developer.401go.com/docs/getting-started
  - type: APIReference
    url: https://developer.401go.com/reference/companies_list
  - type: GettingStarted
    url: https://developer.401go.com/docs/getting-started
  - type: Authentication
    url: https://developer.401go.com/docs/authentication
  - type: DataModel
    url: data-model/401go-data-model.yml
  - type: ToolCrosswalk
    url: mcp/401go-tool-crosswalk.yml
- aid: 401go:401go-money-movement-api
  name: 401GO Money Movement API
  description: The Money Movement API from 401GO — 10 operation(s) for money movement.
  humanURL: https://developer.401go.com/
  baseURL: https://app.401go.com/api
  tags:
  - Money Movement
  properties:
  - type: OpenAPI
    url: openapi/401go-money-movement-api-openapi.yml
  - type: Documentation
    url: https://developer.401go.com/docs/getting-started
  - type: APIReference
    url: https://developer.401go.com/reference/companies_list
  - type: GettingStarted
    url: https://developer.401go.com/docs/getting-started
  - type: Authentication
    url: https://developer.401go.com/docs/authentication
  - type: DataModel
    url: data-model/401go-data-model.yml
  - type: ToolCrosswalk
    url: mcp/401go-tool-crosswalk.yml
- aid: 401go:401go-notifications-api
  name: 401GO Notifications API
  description: The Notifications API from 401GO — 3 operation(s) for notifications.
  humanURL: https://developer.401go.com/
  baseURL: https://app.401go.com/api
  tags:
  - Notification
  tags_raw:
  - Notifications
  properties:
  - type: OpenAPI
    url: openapi/401go-notifications-api-openapi.yml
  - type: Documentation
    url: https://developer.401go.com/docs/getting-started
  - type: APIReference
    url: https://developer.401go.com/reference/companies_list
  - type: GettingStarted
    url: https://developer.401go.com/docs/getting-started
  - type: Authentication
    url: https://developer.401go.com/docs/authentication
  - type: DataModel
    url: data-model/401go-data-model.yml
  - type: ToolCrosswalk
    url: mcp/401go-tool-crosswalk.yml
- aid: 401go:401go-participants-api
  name: 401GO Participants API
  description: The Participants API from 401GO — 4 operation(s) for participants.
  humanURL: https://developer.401go.com/
  baseURL: https://app.401go.com/api
  tags:
  - Participants
  properties:
  - type: OpenAPI
    url: openapi/401go-participants-api-openapi.yml
  - type: Documentation
    url: https://developer.401go.com/docs/getting-started
  - type: APIReference
    url: https://developer.401go.com/reference/companies_list
  - type: GettingStarted
    url: https://developer.401go.com/docs/getting-started
  - type: Authentication
    url: https://developer.401go.com/docs/authentication
  - type: DataModel
    url: data-model/401go-data-model.yml
  - type: ToolCrosswalk
    url: mcp/401go-tool-crosswalk.yml
- aid: 401go:401go-retirement-planning-api
  name: 401GO Retirement Planning API
  description: The Retirement Planning API from 401GO — 3 operation(s) for retirement planning.
  humanURL: https://developer.401go.com/
  baseURL: https://app.401go.com/api
  tags:
  - Retirement Planning
  properties:
  - type: OpenAPI
    url: openapi/401go-retirement-planning-api-openapi.yml
  - type: Documentation
    url: https://developer.401go.com/docs/getting-started
  - type: APIReference
    url: https://developer.401go.com/reference/companies_list
  - type: GettingStarted
    url: https://developer.401go.com/docs/getting-started
  - type: Authentication
    url: https://developer.401go.com/docs/authentication
  - type: DataModel
    url: data-model/401go-data-model.yml
  - type: ToolCrosswalk
    url: mcp/401go-tool-crosswalk.yml
common:
- type: CapabilityMap
  url: capabilities/401go-capability-edges.yml
  name: 401GO Business Capability Map
- type: Website
  url: https://401go.com/
- type: DeveloperPortal
  url: https://developer.401go.com/
- type: Documentation
  url: https://developer.401go.com/docs/getting-started
- type: APIReference
  url: https://developer.401go.com/reference/companies_list
- type: GettingStarted
  url: https://developer.401go.com/docs/getting-started
- type: Support
  url: https://401go.com/contact/
- type: Blog
  url: https://401go.com/resources/blog/
- type: BlogRSS
  url: https://401go.com/resources/blog/feed/
- type: Pricing
  url: https://401go.com/401k-pricing/
- type: SignUp
  url: https://app.401go.com/plandesign/signup/
- type: Login
  url: https://app.401go.com/accounts/login
- type: TermsOfService
  url: https://401go.com/terms-and-conditions/
- type: PrivacyPolicy
  url: https://401go.com/privacy-policy/
- type: OpenAPI
  url: openapi/_original/401go-openapi-original.json
- type: Authentication
  url: authentication/401go-authentication.yml
- type: OAuthScopes
  url: scopes/401go-scopes.yml
- type: OpenIDConnect
  url: well-known/401go-openid-configuration.json
- type: WellKnown
  url: well-known/401go-well-known.yml
- type: Conventions
  url: conventions/401go-conventions.yml
- type: Idempotency
  url: conventions/401go-conventions.yml
- type: ErrorCatalog
  url: errors/401go-problem-types.yml
- type: Lifecycle
  url: lifecycle/401go-lifecycle.yml
- type: Conformance
  url: conformance/401go-conformance.yml
- type: DataModel
  url: data-model/401go-data-model.yml
- type: Sandbox
  url: sandbox/401go-sandbox.yml
- type: MCPServer
  url: mcp/401go-mcp.yml
- type: ToolCrosswalk
  url: mcp/401go-tool-crosswalk.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/401go-llms.txt
- type: Overlay
  url: overlays/401go-api-overlay.yaml
- type: Packages
  url: packages/401go-packages.yml
- type: DomainSecurity
  url: security/401go-domain-security.yml
- type: AgenticAccess
  url: agentic-access/401go-agentic-access.yml
- type: UsageTerms
  url: terms/401go-terms-of-service.yml
- type: DataProcessing
  url: privacy/401go-privacy-policy.yml
- type: Eligibility
  url: eligibility/401go-eligibility.yml
- type: DataLicense
  url: data-license/401go-data-license.yml
x-enrichment:
  date: '2026-08-02'
  status: enriched
  artifacts_added: 24
  pass: local-v1

401GO API — frequently asked questions

Does 401GO have an API?

Yes. APIs.io lists 10 APIs from 401GO, including 401GO Affiliates & Firms API, 401GO Beneficiaries API and 401GO Companies & Plans API, and 7 more.

Is there an OpenAPI specification for the 401GO API?

Yes. APIs.io indexes 10 OpenAPI specifications for 401GO, each linked for download from this page.

How do I authenticate with the 401GO API?

401GO documents its authentication (oauth2/openIdConnect/apiKey · 3 schemes). The details are profiled on APIs.io as 401GO Authentication.

Does 401GO have an MCP server?

Yes. APIs.io lists 1 MCP server for 401GO: Remote MCP server at developer.401go.com over HTTP.

Is the 401GO API ready for AI agents?

401GO has a Kin Score of 43.5 out of 100 (developing) and an Agent Readiness score of 47.8 (agent-ready), scored by API Evangelist on 2026-11-13.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/401go"

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curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/401go/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/401go/evidence"

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