Candor Finance

Candor Finance provides an AI‑driven personal finance platform that helps users manage spending, bills, investments, and long‑term money goals. The service integrates with real accounts to generate weekly financial plans, offers budgeting tools, and answers hard‑money questions through an AI agent that can suggest actions like saving for a home or optimizing expenses.

Candor Finance publishes 1 API contract indexed on the APIs.io network: Conversations API. Tagged areas include Company, Finance, AI, PersonalFinance, and Budgeting.

The Candor Finance catalog on APIs.io includes 1 Spectral governance ruleset.

Candor Finance’s developer surface includes CLI, support, signup flow, getting-started guide, API reference, and 23 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

45.4/100 developing Agent 42/100 agent ready Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

1 published contract

Company FinanceAIPersonalFinanceBudgeting

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 45.4/100 · developing

Contract Quality 10.2 / 21

Developer Ergonomics 5.3 / 17

Access Clarity 10.7 / 17

Operational Transparency 1.7 / 11

Contract Governance 2.2 / 10

Discoverability 6.2 / 9

Regulatory Posture 4.9 / 15

Agent readiness — 42/100 · agent ready

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 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 4 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 5 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) 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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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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
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Typed Event Surface +6 pts — AsyncAPI document, OR webhooks/callbacks objects in the as-published OpenAPI, OR common[].type includes Webhooks
Documented Reversibility +6 pts — a reversal operation in the contract, graded up when a window is documented too

4 more unmet checks in the Agent Readiness table above.

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

Developer Ergonomics scores 31.0 — up to +13.8 composite points
Contract Quality scores 47.8 — up to +13.1 composite points
Operational Transparency scores 15.8 — up to +10.9 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/candor-money/apis.yml: open an issue on github.com/api-evangelist/candor-money 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 →

APIs 1

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

Candor Finance Conversations API

The Conversations API from Candor Finance — 1 operation(s) for conversations.

Pricing Plans 1

Published pricing tiers and plan structures.

Candor Money Plans Pricing

2 plans

PLANS

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Candor Finance API Rules

12 rules · 10 errors 1 warnings 1 info

SPECTRAL

OpenAPI Overlays 1

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.

Candor Money Openapi Overlay

0 actions · update

DERIVED

JSON Schema 1

Standalone JSON Schema definitions for this provider's data models.

ResponseEnvelope

0 properties

JSON SCHEMA

Security Posture 2

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

Candor Money Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Candor Money Vulnerability Disclosure

security.txt · contact published

SECURITY

Agentic Access 1

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

Candor Money Agentic Access

1 operation

1 operations · 0 acting

AGENTIC

Resources

Get Started 2

Portal, sign-up, and the first successful call

SignUp

SignUp

GettingStarted

GettingStarted

Documentation 1

Reference material describing how the API behaves

APIReference

APIReference

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

LLMsTxt

LLMsTxt

WellKnown

WellKnown

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Vocabulary

DataModel

Spectral

ErrorCatalog

Conformance

Build 2

SDKs, sample code, and the tooling you integrate with

CLI

CLI

GitHubOrganization

GitHubOrganization

Access & Security 7

Authentication, authorization, and security posture

SecurityTxt

SecurityTxt

SecurityTxt

TrustCenter

Security

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Scroll for all 7

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 3

Pricing, plans, and the legal terms of use

Plans

Plans

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 1

The organization behind the API

Website

Website

Other 3

Properties that don't map to a standard resource type

Overlay

Overlay

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: candor-money
name: Candor Finance
image: https://candor.money/og/candor-og-home.png
description: Candor Finance provides an AI‑driven personal finance platform that helps users manage spending, bills, investments,
  and long‑term money goals. The service integrates with real accounts to generate weekly financial plans, offers budgeting
  tools, and answers hard‑money questions through an AI agent that can suggest actions like saving for a home or optimizing
  expenses.
url: https://candor.money
x-type: company
x-source: harvest:new-submission
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-26 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-26'
modified: '2026-10-26'
tags:
- Company
- Finance
- AI
- PersonalFinance
- Budgeting
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Vocabulary
  url: vocabulary/candor-money-vocabulary.yml
- type: DataModel
  url: data-model/candor-money-data-model.yml
- type: AgenticAccess
  url: agentic-access/candor-money-agentic-access.yml
- type: Plans
  url: plans/candor-money-plans-pricing.yml
- type: Spectral
  url: rules/candor-money-rules.yml
- type: CLI
  url: cli/candor-money-cli.yml
- type: ErrorCatalog
  url: errors/candor-money-problem-types.yml
- type: Conformance
  url: conformance/candor-money-conformance.yml
- type: Overlay
  url: overlays/candor-money-openapi-overlay.yaml
- type: LLMsTxt
  url: llms/candor-money-llms.txt
- type: SecurityTxt
  url: well-known/candor-money-security.txt
- type: SecurityTxt
  url: well-known/candor-money-app-security.txt
- type: SecurityTxt
  url: well-known/candor-money-api-security.txt
- type: WellKnown
  url: well-known/candor-money-well-known.yml
- type: Hosts
  url: hosts/candor-money-hosts.yml
- type: Vendors
  url: vendors/candor-money-vendors.yml
- type: TrustCenter
  url: https://candor.money/trust
- type: TermsOfService
  url: https://candor.money/terms
- type: Support
  url: https://candor.money/support
- type: SignUp
  url: https://app.candor.money/signup
- type: Security
  url: https://candor.money/security
- type: PrivacyPolicy
  url: https://candor.money/privacy
- type: GitHubOrganization
  url: https://github.com/candorsystems
- type: GettingStarted
  url: https://candor.money/monarch-alternative
- type: APIReference
  url: https://candor.money/developers
- type: VulnerabilityDisclosure
  url: security/candor-money-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/candor-money-domain-security.yml
- type: Website
  url: https://candor.money
apis:
- aid: candor-money:candor-money-conversations-api
  name: Candor Finance Conversations API
  description: The Conversations API from Candor Finance — 1 operation(s) for conversations.
  humanURL: https://candor.money
  baseURL: https://api.candor.money
  tags:
  - Conversations
  properties:
  - type: OpenAPI
    url: openapi/candor-money-conversations-api-openapi.yml
  - type: JSONSchema
    url: json-schema/candor-money-response-envelope-schema.json
x-submission-notes: OAS 3.1.0, 89 ops; MCP; llms.txt; api-catalog. NOT the existing `candor` provider.
x-submitted-by: support@candor.money (apis.io/add, 2026-10-26)
x-coverage:
  state: gated
  reason: partner-login
  method: derived
  generated: '2026-10-26'
  generator: derive-coverage.py (pre-flight evidence)
  detail: the company serves an API surface but requires credentials before any description of it can be read
  evidence:
  - url: https://candor.money/openapi.json
    status: null
  - url: https://api.candor.money/openapi.json
    status: null
  - url: https://api.candor.money/mcp
    status: 401
  - url: https://candor.money
    status: 200
x-enrichment:
  date: '2026-10-26'
  status: enriched
  artifacts_added: 29
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

Candor Finance API — frequently asked questions

Does Candor Finance have an API?

Yes. APIs.io lists 1 API from Candor Finance, including Candor Finance Conversations API.

Is there an OpenAPI specification for the Candor Finance API?

Yes. APIs.io indexes 1 OpenAPI specification for Candor Finance, each linked for download from this page.

How much does the Candor Finance API cost?

APIs.io lists 2 pricing plans for Candor Finance, with each plan's price, limits and inclusions under Pricing Plans on this page.

Is the Candor Finance API ready for AI agents?

Candor Finance has a Kin Score of 45.4 out of 100 (developing) and an Agent Readiness score of 42.1 (agent-ready), scored by API Evangelist on 2026-10-31.

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