# Cachet

**Canonical:** https://apis.io/providers/cachet/  
**Website:** https://cachet.me/  
**APIs profiled:** 4

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.

## Kin Score — 43.6 / 100 (developing)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 43.6).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 58.7 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 54.2 |
| Commercial Clarity | 31.6 |
| Access Clarity | 31.6 |

Regulatory layer — **Insurance**: 37.9 (matched via tags).

## Agent readiness — 30.6 (agent-aware)

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

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (4)

- **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

## MCP servers (1)

- **Cachet MCP Server**

## Agentic access (1)

- **Cachet Agentic Access** — 4 operations · 4 acting

## Security (2)

- **Cachet Authentication** — apiKey · 2 schemes
- **Cachet Domain Security** — TLSv1.3 · DMARC

## Tags

Company, Insurance, Insurtech, Mobility, Gig Economy, Car Sharing, Embedded Insurance, Event

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