# Betterment

**Canonical:** https://apis.io/providers/betterment/  
**Website:** https://www.betterment.com  
**APIs profiled:** 1

Betterment is a robo-advisor and financial planning platform offering automated investment management, tax-loss harvesting, retirement planning, and goal-based portfolio rebalancing. Founded in 2010, Betterment serves individual investors through its Digital and Premium Advisory plans, and employers through Betterment at Work — a 401(k) plan administration product that integrates with 350+ payroll providers via a private partner API. Betterment does not offer a public developer API; third-party application developers access Betterment account data through open banking aggregators such as Plaid and BankSync. Betterment Engineering maintains an active open-source presence on GitHub, publishing internal tools for background job processing, split testing, Flutter golden testing, and Rails security.

## Kin Score — 22.4 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 22.4).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 2.4 |
| Commercial Clarity | 78.9 |
| Access Clarity | 78.9 |

Regulatory layer — **Banking & Open Finance**: 24.1 (matched via tags).

## Agent readiness — 3.0 (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 | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Paid — onboarding: unknown, pricing: paid, trial: no (confidence: medium).

## APIs (1)

- **Betterment via Plaid (Open Banking)** — Betterment investment and cash account data is accessible to third-party developers via the Plaid open banking aggregator. Through Plaid, developers can retrieve account balance...

## Security (2)

- **Betterment Domain Security** — TLSv1.3 · HSTS · DMARC
- **Betterment Trust Center** — SOC 2, ISO 27001, ISO 27017, ISO 27018, PCI DSS, HIPAA, FedRAMP, GDPR, CSA STAR

## Plans (1)

- **Plans**

## Tags

Robo-Advisor, Automated Investing, Financial Planning, Tax-Loss Harvesting, Retirement Planning, Portfolio-Management, 401k, Fintech, Wealth Management, Investment Rebalancing, Open Banking

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