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

17.0/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

CompanyFinancial ServicesFintechConsumer FinanceCredit BuildingDebt ManagementLendingPersonal FinanceArtificial Intelligence

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 17.0/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 1.3 / 20

Commercial Clarity 8.9 / 20

Operational Transparency 0.0 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

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

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: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- 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