Brightmoney

Bright Money (Bright) is a San Francisco-based financial technology company that describes itself as the world's first AI Loan Assistant. Its consumer mobile app helps people pay off credit-card debt faster, build credit history, and access affordable credit through products including Bright Builder (a secured 0% APR credit line reported to the major bureaus), Bright Plan debt-payoff and budgeting, Smart Round-Ups automated savings, rent reporting, personal loans up to $10,000 through network partners, and cash advances up to $750 for all credit scores. Bright is a consumer-facing product and does not currently publish a public developer API or documentation.

Brightmoney is profiled on the APIs.io network. Tagged areas include Company, Financial-Services, Fintech, Consumer Finance, and Credit Building.

Brightmoney’s developer surface includes signup flow, pricing, support, engineering blog, and 5 more developer resources.

🌐 Visit website 📡 Source on GitHub

12.7/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

0 APIs

CompanyFinancial-ServicesFintechConsumer FinanceCredit BuildingDebt ManagementLendingPersonal FinanceArtificial Intelligence

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 12.7/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 1.4 / 20

Access Clarity 6.3 / 20

Operational Transparency 0.0 / 13

Contract Governance 0.0 / 12

Discoverability 5.0 / 10

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

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/brightmoney: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Get Started 2

Portal, sign-up, and the first successful call

SignUp

SignUp

Login

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

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

Source (apis.yml)

aid: brightmoney
name: Brightmoney
description: Bright Money (Bright) is a San Francisco-based financial technology company that describes itself as the world's
  first AI Loan Assistant. Its consumer mobile app helps people pay off credit-card debt faster, build credit history, and
  access affordable credit through products including Bright Builder (a secured 0% APR credit line reported to the major bureaus),
  Bright Plan debt-payoff and budgeting, Smart Round-Ups automated savings, rent reporting, personal loans up to $10,000 through
  network partners, and cash advances up to $750 for all credit scores. Bright is a consumer-facing product and does not currently
  publish a public developer API or documentation.
url: https://raw.githubusercontent.com/api-evangelist/brightmoney/refs/heads/main/apis.yml
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://images.brightmoney.co/AMP_LP/new_gradient_logo.png
x-type: company
x-source: vc-portfolio
x-backed-by:
- felicis
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Financial-Services
- Fintech
- Consumer Finance
- Credit Building
- Debt Management
- Lending
- Personal Finance
- Artificial Intelligence
tags_raw:
- Company
- Financial Services
- Fintech
- Consumer Finance
- Credit Building
- Debt Management
- Lending
- Personal Finance
- Artificial Intelligence
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/brightmoney-domain-security.yml
- type: Website
  url: https://brightmoney.co
- type: SignUp
  url: https://app.brightmoney.co
- type: Login
  url: https://app.brightmoney.co
- type: Pricing
  url: https://brightmoney.co/pricing
- type: Support
  url: https://brightmoney.co/help
- type: Blog
  url: https://brightmoney.co/categories/all-posts
- type: TermsOfService
  url: https://brightmoney.co/legal/terms-of-use
- type: PrivacyPolicy
  url: https://brightmoney.co/legal/privacy-policy
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence