# Ava

**Canonical:** https://apis.io/providers/ava/  
**Website:** https://www.meetava.com/  
**APIs profiled:** 0

Ava is a consumer financial-technology company that helps people build credit and reduce the cost of debt. Its products include the Ava Credit Builder Mastercard (a no-interest card usable at approved subscription merchants), a Save & Build secured savings loan, and rent and utility payment reporting to the three major U.S. credit bureaus (TransUnion, Equifax, Experian). Ava operates as a mobile app on a subscription model and partners with regulated banks and lenders (including Patriot Bank, N.A. and Pier Lending) to deliver its products. This profile was surfaced as a Greylock portfolio company and enriched by the API Evangelist pipeline; Ava is a consumer app and does not publish a public developer API.

## Kin Score — 15.9 / 100 (emerging)

Scored 2026-08-19 under rubric 0.12.0. Trend: flat (+0.1 from 15.8).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 47.4 |
| Access Clarity | 47.4 |

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (2)

- **Ava Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Ava Trust Center** — SOC 2, ISO 27001, PCI DSS, NIST CSF

## Tags

Company, Fintech, Credit Building, Consumer Finance, Credit Score, Personal Finance, Lending, Mobile App

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/ava/). Scores are computed from the provider's own public artifacts under a published rubric.