Cashflow

Cashflow provides AI‑powered personal finance tools that let users talk with their money via large language model agents like Claude, ChatGPT, Gemini, and others. Users can connect their bank accounts, view spending summaries, track recurring bills, forecast cash flow, and manage statements, receipts, and tax forms through conversational interfaces. The platform offers a free tier and integrates with multiple AI assistants, aiming to replace traditional finance apps with a chat‑based experience.

Cashflow is listed with 1 API on the APIs.io network. Tagged areas include Finance, Artificial Intelligence, Personal Finance, Chatbots, and Automation.

Cashflow’s developer surface includes documentation, API reference, and 8 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

9.0/100 minimal Agent 22/100 agent aware Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 API

Finance Artificial Intelligence Personal Finance Chatbots Automation

Kin Score

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

Composite quality — 9.0/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 1.4 / 17

Access Clarity 1.8 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.9 / 9

Regulatory Posture 2.2 / 15

Agent readiness — 22/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 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

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

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the AI & Biometrics 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):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
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)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
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)

8 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 8.3 — up to +18.3 composite points
Access Clarity scores 10.5 — up to +17.9 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/cashflow-tech/apis.yml: open an issue on github.com/api-evangelist/cashflow-tech 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 3

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.

Model Context Protocol (MCP)

measured — observed by APIs.io (documented)

OAuth 2.0 Protected Resource Metadata

measured — observed by APIs.io (verified)

Dynamic Client Registration

measured — observed by APIs.io (published)

APIs 1

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

Cashflow API

Cashflow tool reference documentation provides details of tool parameters and MCP prompts.

Security Posture 1

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

Cashflow Tech Domain Security

TLSv1.3 · HSTS

SECURITY

Resources

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

WellKnown

WellKnown

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 1

The organization behind the API

Website

Website

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: cashflow-tech
name: Cashflow
description: Cashflow provides AI‑powered personal finance tools that let users talk with their money via large language model
  agents like Claude, ChatGPT, Gemini, and others. Users can connect their bank accounts, view spending summaries, track recurring
  bills, forecast cash flow, and manage statements, receipts, and tax forms through conversational interfaces. The platform
  offers a free tier and integrates with multiple AI assistants, aiming to replace traditional finance apps with a chat‑based
  experience.
url: https://artifacts.apis.io/cashflow-tech/apis.yml
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  probe_state: unreadable
  source:
  - security
  generated: '2026-11-06'
  method: derived
image: https://cashflow.tech/icon-200.svg
x-type: company
x-source: harvest:mcp-registry
x-tier: profiled
x-tier-reason: enrichment pass 2026-11-04 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-11-04'
modified: '2026-11-04'
tags:
- Finance
- Artificial Intelligence
- Personal Finance
- Chatbots
- Automation
tags_raw:
- Finance
- AI
- PersonalFinance
- Chatbot
- Automation
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: LLMsTxt
  url: llms/cashflow-tech-llms.txt
- type: WellKnown
  url: well-known/cashflow-tech-well-known.yml
- type: Hosts
  url: hosts/cashflow-tech-hosts.yml
- type: Vendors
  url: vendors/cashflow-tech-vendors.yml
- type: TermsOfService
  url: https://cashflow.tech/terms
- type: PrivacyPolicy
  url: https://cashflow.tech/privacy
- type: Documentation
  url: https://cashflow.tech/docs
- type: APIReference
  url: https://cashflow.tech/docs/reference
- type: DomainSecurity
  url: security/cashflow-tech-domain-security.yml
- type: Website
  url: https://cashflow.tech/
apis:
- name: Cashflow API
  description: Cashflow tool reference documentation provides details of tool parameters and MCP prompts.
  humanURL: https://cashflow.tech/docs/reference
  aid: cashflow-tech:cashflow-api
x-coverage:
  state: unreadable
  reason: no-machine-readable-spec
  detail: Documentation is provided as markdown but no OpenAPI, GraphQL, AsyncAPI, gRPC, or WSDL contract is publicly available.
  evidence:
  - url: https://cashflow.tech/docs/reference.md
    status: 200
  checked: '2026-11-04'
x-enrichment:
  date: '2026-11-04'
  status: enriched
  artifacts_added: 13
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

Cashflow API — frequently asked questions

Does Cashflow have an API?

Yes. APIs.io lists 1 API from Cashflow, including Cashflow API.

Is the Cashflow API ready for AI agents?

Cashflow has a Kin Score of 9.0 out of 100 (minimal) and an Agent Readiness score of 21.8 (agent-aware), scored by API Evangelist on 2026-11-06.

Work with this as data

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MCP server

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

https://apis.io/mcp

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get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
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