Alto

Alto provides a platform that enables private wealth advisors, financial institutions, issuers, and individual investors to access private market investments—such as private equity, venture capital, real estate, and infrastructure—through self‑directed retirement accounts (IRAs). The service includes a curated marketplace, a private deal room for retirement‑capital funded deals, and infrastructure for enterprises to embed retirement‑account investing. Alto operates as a chartered trust company and registered broker‑dealer to facilitate compliance and custody for these alternative allocations.

Alto is profiled on the APIs.io network. Tagged areas include Private Markets, Retirement Accounts, IRA, Wealth Advisors, and Issuers.

Alto’s developer surface includes engineering blog, support, pricing, and 12 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

20.4/100 emerging ▬ flat Agent 0/100 human only Heartbeat 83/100 alive Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessFreemium

0 APIs

Private MarketsRetirement AccountsIRAWealth AdvisorsIssuersSelf-Directed InvestingAlternative Investments

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 20.4/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 8.9 / 17

Operational Transparency 2.9 / 11

Contract Governance 0.0 / 10

Discoverability 4.5 / 9

Regulatory Posture 2.1 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 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 Horizontal (data, software, accessibility, platform) 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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% 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):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

13 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 7.1 — up to +18.6 composite points
Contract Governance scores 0.0 — up to +12.0 composite points

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.

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/alto/apis.yml: open an issue on github.com/api-evangelist/alto 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 →

Alto API pricing

Prices published by Alto, read 2026-09-24 from www.altoira.com/pricing.

Plan	Price
Alto IRA Account Fee (up to $29,999.99 invested)	$0.00
Alto IRA Account Fee (over $30,000 invested)	$100

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

Alto Plans Pricing

2 plans

PLANS

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.

Alto Overlay

0 actions · update

UNRECORDED

Security Posture 1

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

Alto Domain Security

TLSv1.3 · DMARC

SECURITY

Resources

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

WellKnown

WellKnown

Access & Security 2

Authentication, authorization, and security posture

SecurityTxt

SecurityTxt

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Commercial 4

Pricing, plans, and the legal terms of use

Plans

TermsOfService

PrivacyPolicy

Pricing

Company 3

The organization behind the API

Blog

Blog

Newsroom

Newsroom

Website

Website

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: alto
name: Alto
description: Alto provides a platform that enables private wealth advisors, financial institutions, issuers, and individual
  investors to access private market investments—such as private equity, venture capital, real estate, and infrastructure—through
  self‑directed retirement accounts (IRAs). The service includes a curated marketplace, a private deal room for retirement‑capital
  funded deals, and infrastructure for enterprises to embed retirement‑account investing. Alto operates as a chartered trust
  company and registered broker‑dealer to facilitate compliance and custody for these alternative allocations.
url: https://raw.githubusercontent.com/api-evangelist/alto/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: profiled
x-tier-reason: enrichment pass 2026-09-24 (modular-v1; was harvest)
accessModel:
  pricing: freemium
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Freemium
  confidence: low
  source:
  - plans
  - security
  generated: '2026-11-06'
  method: derived
specificationVersion: '0.20'
created: '2026-09-24'
modified: '2026-10-06'
tags:
- Private Markets
- Retirement Accounts
- IRA
- Wealth Advisors
- Issuers
- Self-Directed Investing
- Alternative Investments
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- url: https://www.altoira.com/insights
  type: Blog
- type: LLMsTxt
  url: llms/alto-llms.txt
- type: Plans
  url: plans/alto-plans-pricing.yml
- type: SecurityTxt
  url: well-known/alto-status-security.txt
- type: WellKnown
  url: well-known/alto-well-known.yml
- type: Hosts
  url: hosts/alto-hosts.yml
- type: Vendors
  url: vendors/alto-vendors.yml
- type: TermsOfService
  url: https://www.altoira.com/terms-of-service
- type: Support
  url: https://www.altoira.com/help-center
- type: StatusPage
  url: https://status.altoira.com/
- type: PrivacyPolicy
  url: https://www.altoira.com/privacy-policy
- type: Pricing
  url: https://www.altoira.com/pricing
- type: Newsroom
  url: https://www.altoira.com/news
- type: DomainSecurity
  url: security/alto-domain-security.yml
- type: Website
  url: https://www.altoira.com/
apis: []
x-enrichment:
  date: '2026-09-24'
  status: enriched
  artifacts_added: 10
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local

Alto API — frequently asked questions

How much does the Alto API cost?

Alto publishes its prices; its Alto IRA Account Fee (up to $29,999.99 invested) plan is $0.00 as of 2026-09-24. APIs.io lists 2 pricing plans for Alto, with each plan's price, limits and inclusions under Pricing on this page.

Is the Alto API ready for AI agents?

Alto has a Kin Score of 20.4 out of 100 (emerging) and an Agent Readiness score of 0.0 (human-only), scored by API Evangelist on 2026-11-06.

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