Cachet

Cachet OÜ is an Estonian InsurTech that provides adaptive, usage-based insurance for digital platforms and their users across new mobility, gig work, and car-sharing. Digital platforms integrate Cachet through three inbound event APIs: the Parking API (car-sharing fleets stream vehicle events so Cachet manages parking), the Verify / Platform API (gig-work platforms register workers and push task events to drive worker protection), and the Partners API (embed a prefilled Cachet onboarding link into a partner app). All three are OpenAPI 3.1 and authenticated with issued x-api-key and x-api-username headers. Cachet is backed by Techstars; notable platform clients include Bolt, Bird, Ryde, and TaskRabbit.

Cachet publishes 4 API contracts indexed on the APIs.io network, including Connect API, Gig-Events API, User API, and 1 more. Tagged areas include Company, Insurance, Insurtech, Mobility, and Gig Economy.

The Cachet catalog on APIs.io includes 1 Spectral governance ruleset.

Cachet’s developer surface includes documentation, API reference, support, engineering blog, pricing, signup flow, authentication, and 17 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

40.1/100 developing ▬ flat Agent 19/100 agent aware Front door AI 1/6 silent Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

3 published contracts 3 Agent Skills

Company Insurance Insurtech Mobility Gig Economy Car Sharing Embedded Insurance Event

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 40.1/100 · developing

Contract Quality 9.6 / 19

Developer Ergonomics 8.1 / 15

Access Clarity 4.7 / 15

Operational Transparency 0.0 / 10

Contract Governance 1.6 / 9

Discoverability 5.9 / 8

Regulatory Posture 3.3 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 19/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Show this score on your site.

It updates itself when the score changes. Paste this where you link to your API docs:

<a href="https://apis.io/providers/cachet/"><img src="https://apis.io/badge/cachet/card.svg" alt="Cachet on APIs.io — Kin Score by API Evangelist"></a>

Other styles, a README pill and a shields.io endpoint are on the badge page.

Raise your score.

Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

8 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 31.6 — up to +13.7 composite points
Operational Transparency scores 0.0 — up to +13.0 composite points
Contract Quality scores 51.4 — up to +12.2 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/cachet/apis.yml: open an issue on github.com/api-evangelist/cachet to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 1

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.

OpenAPI

measured — observed by APIs.io (published)

APIs 4

Individual APIs this provider publishes, each with its own machine-readable definition.

Cachet Connect API

Endpoint where to send the connect request

Cachet Gig-Events API

Event actions which are sent by the platform to Cachet involving gig-workers tasks done on the platform

Cachet User API

User actions to send user-related data from platform to Cachet

Cachet Vehicle events API

Used to notify Cachet about vehicle events

Open Collections 4

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Cachet Parking Connect API

OPEN COLLECTION

Cachet Parking Connect Gig-Events API

OPEN COLLECTION

Cachet Parking Connect User API

OPEN COLLECTION

Cachet Parking Connect Vehicle events API

OPEN COLLECTION

Arazzo Workflows 1

Multi-step API workflows described with the Arazzo specification.

Cachet gig-worker onboarding and task reporting

Register a gig-worker on the Cachet Platform (Verify) API, then report a completed task event for that worker. Requires x-api-key and x-api-username headers issued by the Cachet...

ARAZZO

Agent Skills 3

Packaged agent skills for driving this provider's APIs from an AI assistant.

Onboard a gig worker and record a task event

AGENT SKILL

Generate a prefilled Cachet onboarding link

AGENT SKILL

Report a car-sharing vehicle event for parking

AGENT SKILL

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Cachet API Rules

61 rules · 58 errors 1 warnings 2 info

SPECTRAL

OpenAPI Overlays 3

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.

Cachet Parking Overlay

2 actions · update · cachet-parking-openapi.yml

DERIVED

Cachet Partners Overlay

1 action · update · cachet-partners-openapi.yml

DERIVED

Cachet Verify Overlay

1 action · update · cachet-verify-openapi.yml

DERIVED

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Cachet Authentication

apiKey · 2 schemes

SECURITY

Cachet Domain Security

TLSv1.3 · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Cachet Agentic Access

4 operations · 4 acting

AGENTIC

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

SignUp

SignUp

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

X-MCPServerCandidate

LLMsTxt

AgentSkill

AgenticAccess

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Conventions

Conformance

ErrorCatalog

Lifecycle

DataModel

Arazzo

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

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

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: cachet
name: Cachet
description: 'Cachet OÜ is an Estonian InsurTech that provides adaptive, usage-based insurance for digital platforms and their
  users across new mobility, gig work, and car-sharing. Digital platforms integrate Cachet through three inbound event APIs:
  the Parking API (car-sharing fleets stream vehicle events so Cachet manages parking), the Verify / Platform API (gig-work
  platforms register workers and push task events to drive worker protection), and the Partners API (embed a prefilled Cachet
  onboarding link into a partner app). All three are OpenAPI 3.1 and authenticated with issued x-api-key and x-api-username
  headers. Cachet is backed by Techstars; notable platform clients include Bolt, Bird, Ryde, and TaskRabbit.'
url: https://raw.githubusercontent.com/api-evangelist/cachet/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- techstars
x-tier: profiled
x-tier-reason: enriched-openapi
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-18'
image: https://cachet.me/assets/img/social_share.jpg
tags:
- Company
- Insurance
- Insurtech
- Mobility
- Gig Economy
- Car Sharing
- Embedded Insurance
- Event
tags_raw:
- Company
- Insurance
- InsurTech
- Mobility
- Gig Economy
- Car Sharing
- Embedded Insurance
- Events
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: cachet:cachet-connect-api
  name: Cachet Connect API
  description: Endpoint where to send the connect request
  humanURL: https://docs.cachet.me/parking
  baseURL: https://platform-api.cachet.me
  tags:
  - Connect
  properties:
  - type: OpenAPI
    url: openapi/cachet-connect-api-openapi.yml
- aid: cachet:cachet-gig-events-api
  name: Cachet Gig-Events API
  description: Event actions which are sent by the platform to Cachet involving gig-workers tasks done on the platform
  humanURL: https://docs.cachet.me/parking
  baseURL: https://platform-api.cachet.me
  tags:
  - Gig-Events
  properties:
  - type: OpenAPI
    url: openapi/cachet-gig-events-api-openapi.yml
- aid: cachet:cachet-user-api
  name: Cachet User API
  description: User actions to send user-related data from platform to Cachet
  humanURL: https://docs.cachet.me/parking
  baseURL: https://platform-api.cachet.me
  tags:
  - User
  properties:
  - type: OpenAPI
    url: openapi/cachet-user-api-openapi.yml
- aid: cachet:cachet-vehicle-events-api
  name: Cachet Vehicle events API
  description: Used to notify Cachet about vehicle events
  humanURL: https://docs.cachet.me/parking
  baseURL: https://platform-api.cachet.me
  tags:
  - Vehicle Events
  tags_raw:
  - Vehicle events
  properties:
  - type: OpenAPI
    url: openapi/cachet-vehicle-events-api-openapi.yml
common:
- type: Overlay
  url: overlays/cachet-parking-overlay.yaml
- type: Website
  url: https://cachet.me/
- type: DeveloperPortal
  url: https://docs.cachet.me/
- type: Documentation
  url: https://docs.cachet.me/
- type: APIReference
  url: https://docs.cachet.me/
- type: Support
  url: https://help.cachet.me/en/
- type: Blog
  url: https://cachet.me/en/blog
- type: Pricing
  url: https://cachet.me/en/pricing
- type: SignUp
  url: https://app.cachet.me/
- type: TermsOfService
  url: https://cachet.me/en/terms-conditions
- type: PrivacyPolicy
  url: https://cachet.me/en/privacy-policy
- type: Authentication
  url: authentication/cachet-authentication.yml
- type: X-MCPServerCandidate
  url: mcp/cachet-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: LLMsTxt
  url: llms/cachet-llms.txt
- type: Conventions
  url: conventions/cachet-conventions.yml
- type: Conformance
  url: conformance/cachet-conformance.yml
- type: ErrorCatalog
  url: errors/cachet-problem-types.yml
- type: Lifecycle
  url: lifecycle/cachet-lifecycle.yml
- type: Sandbox
  url: sandbox/cachet-sandbox.yml
- type: DataModel
  url: data-model/cachet-data-model.yml
- type: AgentSkill
  url: skills/_index.yml
- type: Arazzo
  name: Cachet gig-worker onboarding and task reporting
  url: arazzo/cachet-gig-onboarding.yml
- type: DomainSecurity
  url: security/cachet-domain-security.yml
- type: AgenticAccess
  url: agentic-access/cachet-agentic-access.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Cachet API — frequently asked questions

Does Cachet have an API?

Yes. APIs.io lists 4 APIs from Cachet, including Cachet Connect API, Cachet Gig-Events API and Cachet User API, and 1 more.

Is there an OpenAPI specification for the Cachet API?

Yes. APIs.io indexes 4 OpenAPI specifications for Cachet, each linked for download from this page.

How do I authenticate with the Cachet API?

Cachet uses bearer-token authentication (apiKey · 2 schemes). The details are profiled on APIs.io as Cachet Authentication.

Is the Cachet API ready for AI agents?

Cachet has a Kin Score of 40.1 out of 100 (developing) and an Agent Readiness score of 18.9 (agent-aware), 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.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/cachet"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/cachet/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/cachet/evidence"

Calls without X-API-Key need no key. Calls with it need a paid plan — get a key.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.