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 API contracts indexed on the APIs.io network, including Handoffs API, Investment API, Offering 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 and 1 Spectral governance ruleset.
AltoIRA’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, pricing, signup flow, and 27 more developer resources.
Kin Score
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 |
|---|---|---|---|---|
| Asset and Wealth Management | 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 3
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.
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 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)
AltoIRA OAUTH API
Provides access to an investor's account. Generates a token to be used with the "user" endpoints below
Open Collections 5
Open, tool-agnostic API collections (OpenAPI-derived and Bruno).
AltoIRA.com Handoffs API
OPEN COLLECTIONAltoIRA.com Investment API
OPEN COLLECTIONAltoIRA.com OAUTH API
OPEN COLLECTIONAltoIRA.com Offering API
OPEN COLLECTIONAltoIRA.com User API
OPEN COLLECTIONAgent Skills 3
Packaged agent skills for driving this provider's APIs from an AI assistant.
Launch an Alto offering
AGENT SKILLOnboard an investor into an Alto offering
AGENT SKILLReturn capital to an Alto IRA
AGENT SKILLEvent 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 (...
ASYNCAPIAltoira Investments Webhooks
ASYNCAPISpectral Rules 1
Spectral governance rulesets for linting and validating these APIs.
AltoIRA API Rules
SPECTRALOpenAPI 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.
Altoira Partner Api Overlay
DERIVEDSecurity Posture 3
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Scopes 1
OAuth scopes governing access to this provider's APIs.
Agentic Access 1
Recommended x-agentic-access execution contracts for AI agents.
Resources
Get Started 5
Portal, sign-up, and the first successful call
Documentation 4
Reference material describing how the API behaves
Agent Surfaces 5
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 6
Pagination, idempotency, versioning, errors, and events
Build 2
SDKs, sample code, and the tooling you integrate with
Access & Security 4
Authentication, authorization, and security posture
Operate 2
Status, limits, changes, and where to get help
Commercial 3
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
Other 1
Properties that don't map to a standard resource type
Source (apis.yml)
AltoIRA API — frequently asked questions
Does AltoIRA have an API?
Yes. APIs.io lists 5 APIs from AltoIRA, including AltoIRA Handoffs API, AltoIRA Investment API and AltoIRA Offering API, and 2 more.
Is there an OpenAPI specification for the AltoIRA API?
Yes. APIs.io indexes 5 OpenAPI specifications for AltoIRA, each linked for download from this page.
How do I authenticate with the AltoIRA API?
AltoIRA documents its authentication (http/oauth2 · 3 schemes). The details are profiled on APIs.io as Altoira Authentication.
Is the AltoIRA API ready for AI agents?
AltoIRA has a Kin Score of 52.2 out of 100 (developing) and an Agent Readiness score of 42.3 (agent-ready), scored by API Evangelist on 2026-11-06.
Work with this as data
Every provider here is available over the APIs.io API and to AI agents over MCP.