AltoIRA

Alto (AltoIRA) is a Nashville-based self-directed IRA platform that lets everyday investors hold alternative assets — private equity, venture funds, startups, real estate, farmland, private credit and cryptocurrency — inside tax-advantaged Traditional, Roth and SEP retirement accounts. Alto Trust Company acts as the IRA custodian and Alto Securities, LLC (FINRA/SIPC) operates the Alto Marketplace of curated private-market offerings. Alto reports custody of roughly $2B in assets for about 30,000 self-directed IRA investors and support for more than 2,500 issuers who have raised capital on the platform. For issuers and investment platforms, Alto publishes a partner REST API (the "AltoIRA.com API") on a ReadMe developer hub that covers OAuth investor handoff, offering creation, document upload, investor invitation, investment retrieval, refunds, cancellations, distributions and capital calls, plus an investment-status webhook feed.

AltoIRA publishes 5 APIs on the APIs.io network, including Handoffs API, Investment API, OAUTH API, and 2 more. Tagged areas include Company, Financial-Services, Retirement, Self-Directed IRA, and Alternative Investments.

The AltoIRA catalog on APIs.io includes 2 event-driven AsyncAPI specifications.

AltoIRA’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, pricing, signup flow, and 27 more developer resources.

🌐 Visit website 📡 Source on GitHub

45.1/100 developing ▬ flat Agent 45/100 agent ready saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessSelf serve

2 APIs

Company Financial-Services RetirementSelf-Directed IRAAlternative Investments Private Markets Fintech Custody Cryptocurrency Wealth Management InvestingCapital Raising

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 45.1/100 · developing

Contract Quality 13.0 / 23

Developer Ergonomics 8.5 / 18

Access Clarity 6.9 / 18

Operational Transparency 3.1 / 12

Contract Governance 0.5 / 11

Discoverability 6.8 / 9

Create-or-Update Ergonomics 2.8 / 10

Agent readiness — 45/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 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 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

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.

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 github.com/api-evangelist/altoira: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 5

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

AltoIRA Handoffs API

These are the endpoints you will redirect your investors to (these are NOT api endpoints so you cannot use the Try it out tool)

AltoIRA Investment API

The actions are performed as the manager of an offering, not as a specific user. Authentication uses the `Basic Auth` header (same as the Offering endpoints)

AltoIRA OAUTH API

Provides access to an investor's account. Generates a token to be used with the "user" endpoints below

AltoIRA Offering API

The actions are performed as the manager of an offering, not as a specific user. Authentication uses the `Basic Auth` header

AltoIRA User API

These actions are performed within the context of a specific user (uses OAuth2 with an `Authorization: Bearer` header)

Open Collections 6

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

API Collection

OPEN COLLECTION

AltoIRA.com Handoffs API

OPEN COLLECTION

AltoIRA.com Investment API

OPEN COLLECTION

AltoIRA.com OAUTH API

OPEN COLLECTION

AltoIRA.com Offering API

OPEN COLLECTION

AltoIRA.com User API

OPEN COLLECTION

Event Specifications 2

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Alto Investment Status Webhooks

Alto pushes investment-lifecycle events to a Platform Partner's registered webhook endpoint so the partner can track an investor's progress through the Direction of Investment (...

ASYNCAPI

Altoira Investments Webhooks

ASYNCAPI

Security Posture 3

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

Altoira Authentication

http/oauth2 · 3 schemes

SECURITY

Altoira Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Altoira Trust Center

trust center published

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Altoira Scopes

OAuth 2.0 · no documented scopes

0 scopes

SCOPES

Agentic Access 1

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

Altoira Agentic Access

17 operations · 11 acting

AGENTIC

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Sandbox

Sandbox

Documentation 4

Reference material describing how the API behaves

Documentation

APIReference

OpenAPI

AsyncAPI

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

WellKnown

WellKnown

AgenticAccess

AgenticAccess

X-MCPServerCandidate

X-MCPServerCandidate

AgentSkill

AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Lifecycle

Conformance

Conventions

DataModel

Webhooks

ErrorCatalog

Build 2

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

ToolCrosswalk

ToolCrosswalk

Access & Security 4

Authentication, authorization, and security posture

TrustCenter

Authentication

OAuthScopes

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: altoira
name: AltoIRA
description: Alto (AltoIRA) is a Nashville-based self-directed IRA platform that lets everyday investors hold alternative
  assets — private equity, venture funds, startups, real estate, farmland, private credit and cryptocurrency — inside tax-advantaged
  Traditional, Roth and SEP retirement accounts. Alto Trust Company acts as the IRA custodian and Alto Securities, LLC (FINRA/SIPC)
  operates the Alto Marketplace of curated private-market offerings. Alto reports custody of roughly $2B in assets for about
  30,000 self-directed IRA investors and support for more than 2,500 issuers who have raised capital on the platform. For
  issuers and investment platforms, Alto publishes a partner REST API (the "AltoIRA.com API") on a ReadMe developer hub that
  covers OAuth investor handoff, offering creation, document upload, investor invitation, investment retrieval, refunds, cancellations,
  distributions and capital calls, plus an investment-status webhook feed.
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: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-09-02'
  method: derived
image: https://cdn.prod.website-files.com/662048df2bce7baa72aab3f3/662ae161e60cc17317200006_Altologo.svg
url: https://raw.githubusercontent.com/api-evangelist/altoira/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.23'
created: '2026-08-06'
modified: '2026-08-06'
tags:
- Company
- Financial-Services
- Retirement
- Self-Directed IRA
- Alternative Investments
- Private Markets
- Fintech
- Custody
- Cryptocurrency
- Wealth Management
- Investing
- Capital Raising
tags_raw:
- Company
- Financial Services
- Retirement
- Self-Directed IRA
- Alternative Investments
- Private Markets
- Fintech
- Custody
- Cryptocurrency
- Wealth Management
- Investing
- Capital Raising
apis:
- aid: altoira:altoira-handoffs-api
  name: AltoIRA Handoffs API
  description: These are the endpoints you will redirect your investors to (these are NOT api endpoints so you cannot use
    the Try it out tool)
  humanURL: https://readme.altoira.com/reference
  baseURL: https://www.altoira.com
  tags:
  - handoffs
  properties:
  - type: OpenAPI
    url: openapi/altoira-handoffs-api-openapi.yml
  - type: Documentation
    url: https://readme.altoira.com/docs/understand-the-oauth-process-to-alto
  - type: APIReference
    url: https://readme.altoira.com/reference
  - type: GettingStarted
    url: https://readme.altoira.com/docs/understand-the-oauth-process-to-alto
  - type: Webhooks
    url: asyncapi/altoira-investments-webhooks.yml
  - type: AsyncAPI
    url: asyncapi/altoira-investments-asyncapi.yml
  - type: Authentication
    url: authentication/altoira-authentication.yml
  - type: OAuthScopes
    url: scopes/altoira-scopes.yml
  - type: ErrorCatalog
    url: errors/altoira-problem-types.yml
  - type: Conventions
    url: conventions/altoira-conventions.yml
  - type: DataModel
    url: data-model/altoira-data-model.yml
  - type: Sandbox
    url: sandbox/altoira-sandbox.yml
  - type: ToolCrosswalk
    url: mcp/altoira-tool-crosswalk.yml
- aid: altoira:altoira-investment-api
  name: AltoIRA Investment API
  description: The actions are performed as the manager of an offering, not as a specific user. Authentication uses the `Basic
    Auth` header (same as the Offering endpoints)
  humanURL: https://readme.altoira.com/reference
  baseURL: https://www.altoira.com
  tags:
  - Investment
  tags_raw:
  - investment
  properties:
  - type: OpenAPI
    url: openapi/altoira-investment-api-openapi.yml
  - type: Documentation
    url: https://readme.altoira.com/docs/understand-the-oauth-process-to-alto
  - type: APIReference
    url: https://readme.altoira.com/reference
  - type: GettingStarted
    url: https://readme.altoira.com/docs/understand-the-oauth-process-to-alto
  - type: Webhooks
    url: asyncapi/altoira-investments-webhooks.yml
  - type: AsyncAPI
    url: asyncapi/altoira-investments-asyncapi.yml
  - type: Authentication
    url: authentication/altoira-authentication.yml
  - type: OAuthScopes
    url: scopes/altoira-scopes.yml
  - type: ErrorCatalog
    url: errors/altoira-problem-types.yml
  - type: Conventions
    url: conventions/altoira-conventions.yml
  - type: DataModel
    url: data-model/altoira-data-model.yml
  - type: Sandbox
    url: sandbox/altoira-sandbox.yml
  - type: ToolCrosswalk
    url: mcp/altoira-tool-crosswalk.yml
- aid: altoira:altoira-oauth-api
  name: AltoIRA OAUTH API
  description: Provides access to an investor's account. Generates a token to be used with the "user" endpoints below
  humanURL: https://readme.altoira.com/reference
  baseURL: https://www.altoira.com
  tags:
  - Authentication
  tags_raw:
  - oauth
  properties:
  - type: OpenAPI
    url: openapi/altoira-oauth-api-openapi.yml
  - type: Documentation
    url: https://readme.altoira.com/docs/understand-the-oauth-process-to-alto
  - type: APIReference
    url: https://readme.altoira.com/reference
  - type: GettingStarted
    url: https://readme.altoira.com/docs/understand-the-oauth-process-to-alto
  - type: Webhooks
    url: asyncapi/altoira-investments-webhooks.yml
  - type: AsyncAPI
    url: asyncapi/altoira-investments-asyncapi.yml
  - type: Authentication
    url: authentication/altoira-authentication.yml
  - type: OAuthScopes
    url: scopes/altoira-scopes.yml
  - type: ErrorCatalog
    url: errors/altoira-problem-types.yml
  - type: Conventions
    url: conventions/altoira-conventions.yml
  - type: DataModel
    url: data-model/altoira-data-model.yml
  - type: Sandbox
    url: sandbox/altoira-sandbox.yml
  - type: ToolCrosswalk
    url: mcp/altoira-tool-crosswalk.yml
- aid: altoira:altoira-offering-api
  name: AltoIRA Offering API
  description: The actions are performed as the manager of an offering, not as a specific user. Authentication uses the `Basic
    Auth` header
  humanURL: https://readme.altoira.com/reference
  baseURL: https://www.altoira.com
  tags:
  - Offering
  tags_raw:
  - offering
  properties:
  - type: OpenAPI
    url: openapi/altoira-offering-api-openapi.yml
  - type: Documentation
    url: https://readme.altoira.com/docs/understand-the-oauth-process-to-alto
  - type: APIReference
    url: https://readme.altoira.com/reference
  - type: GettingStarted
    url: https://readme.altoira.com/docs/understand-the-oauth-process-to-alto
  - type: Webhooks
    url: asyncapi/altoira-investments-webhooks.yml
  - type: AsyncAPI
    url: asyncapi/altoira-investments-asyncapi.yml
  - type: Authentication
    url: authentication/altoira-authentication.yml
  - type: OAuthScopes
    url: scopes/altoira-scopes.yml
  - type: ErrorCatalog
    url: errors/altoira-problem-types.yml
  - type: Conventions
    url: conventions/altoira-conventions.yml
  - type: DataModel
    url: data-model/altoira-data-model.yml
  - type: Sandbox
    url: sandbox/altoira-sandbox.yml
  - type: ToolCrosswalk
    url: mcp/altoira-tool-crosswalk.yml
- aid: altoira:altoira-user-api
  name: AltoIRA User API
  description: 'These actions are performed within the context of a specific user (uses OAuth2 with an `Authorization: Bearer`
    header)'
  humanURL: https://readme.altoira.com/reference
  baseURL: https://www.altoira.com
  tags:
  - User
  tags_raw:
  - user
  properties:
  - type: OpenAPI
    url: openapi/altoira-user-api-openapi.yml
  - type: Documentation
    url: https://readme.altoira.com/docs/understand-the-oauth-process-to-alto
  - type: APIReference
    url: https://readme.altoira.com/reference
  - type: GettingStarted
    url: https://readme.altoira.com/docs/understand-the-oauth-process-to-alto
  - type: Webhooks
    url: asyncapi/altoira-investments-webhooks.yml
  - type: AsyncAPI
    url: asyncapi/altoira-investments-asyncapi.yml
  - type: Authentication
    url: authentication/altoira-authentication.yml
  - type: OAuthScopes
    url: scopes/altoira-scopes.yml
  - type: ErrorCatalog
    url: errors/altoira-problem-types.yml
  - type: Conventions
    url: conventions/altoira-conventions.yml
  - type: DataModel
    url: data-model/altoira-data-model.yml
  - type: Sandbox
    url: sandbox/altoira-sandbox.yml
  - type: ToolCrosswalk
    url: mcp/altoira-tool-crosswalk.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.altoira.com/
- type: DeveloperPortal
  url: https://readme.altoira.com/
- type: Documentation
  url: https://readme.altoira.com/docs/understand-the-oauth-process-to-alto
- type: APIReference
  url: https://readme.altoira.com/reference
- type: GettingStarted
  url: https://readme.altoira.com/docs/understand-the-oauth-process-to-alto
- type: Support
  url: https://www.altoira.com/help-center
- type: Blog
  url: https://www.altoira.com/insights
- type: GitHubOrganization
  url: https://github.com/AltoIRA
- type: Pricing
  url: https://www.altoira.com/pricing
- type: SignUp
  url: https://app.altoira.com/register
- type: Login
  url: https://app.altoira.com/login
- type: TermsOfService
  url: https://www.altoira.com/terms-of-service
- type: PrivacyPolicy
  url: https://www.altoira.com/privacy-policy
- type: StatusPage
  url: https://status.altoira.com/
- type: TrustCenter
  url: https://trust.altoira.com/
- type: Lifecycle
  url: lifecycle/altoira-lifecycle.yml
- type: LLMsTxt
  url: llms/altoira-llms.txt
- type: WellKnown
  url: well-known/altoira-well-known.yml
- type: Authentication
  url: authentication/altoira-authentication.yml
- type: OAuthScopes
  url: scopes/altoira-scopes.yml
- type: Conformance
  url: conformance/altoira-conformance.yml
- type: DomainSecurity
  url: security/altoira-domain-security.yml
- type: Conventions
  url: conventions/altoira-conventions.yml
- type: DataModel
  url: data-model/altoira-data-model.yml
- type: Sandbox
  url: sandbox/altoira-sandbox.yml
- type: AgenticAccess
  url: agentic-access/altoira-agentic-access.yml
- type: OpenAPI
  url: openapi/_original/altoira-partner-api-openapi.yml
- type: Overlay
  url: overlays/altoira-partner-api-overlay.yaml
- type: AsyncAPI
  url: asyncapi/altoira-investments-asyncapi.yml
- type: Webhooks
  url: asyncapi/altoira-investments-webhooks.yml
- type: ErrorCatalog
  url: errors/altoira-problem-types.yml
- type: X-MCPServerCandidate
  url: mcp/altoira-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: ToolCrosswalk
  url: mcp/altoira-tool-crosswalk.yml
- type: AgentSkill
  url: skills/_index.yml
x-enrichment:
  date: '2026-08-06'
  status: enriched
  artifacts_added: 22
  pass: local-v1

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