ChangEd

ChangEd (Changed) is a consumer financial-technology company whose mobile app helps people pay off debt faster by automatically rounding up everyday purchases to the nearest dollar and directing those micro-savings toward student loans, credit cards, mortgages, personal loans, and auto loans. Founded by brothers Dan Stelmach and Nick Sky, the app launched in 2017, appeared on Shark Tank and took investment from Mark Cuban, and is a Techstars portfolio company. It links to a user's bank account, tracks spending, automates extra debt payments, supports savings goals, and visualizes payoff progress for a $4/month subscription, with banking services provided by nbkc bank (Member FDIC). ChangEd is a consumer mobile product and does not publish a public API, developer portal, or SDK; this profile is maintained as a company record in the API Evangelist network.

ChangEd is profiled on the APIs.io network. Tagged areas include Company, Fintech, Financial Services, Debt Payoff, and Student Loans.

ChangEd’s developer surface includes engineering blog, support, signup flow, and 5 more developer resources.

🌐 Visit website 📡 Source on GitHub

14.9/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

CompanyFintechFinancial ServicesDebt PayoffStudent LoansPersonal FinanceSavingsConsumer App

Kin Score

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

Composite quality — 14.9/100 · minimal

Contract Quality 0.0 / 25

Developer Ergonomics 1.3 / 20

Commercial Clarity 6.8 / 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/changed: 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 1

Portal, sign-up, and the first successful call

SignUp

SignUp

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Source (apis.yml)

aid: changed
name: ChangEd
description: ChangEd (Changed) is a consumer financial-technology company whose mobile app helps people pay off debt faster
  by automatically rounding up everyday purchases to the nearest dollar and directing those micro-savings toward student loans,
  credit cards, mortgages, personal loans, and auto loans. Founded by brothers Dan Stelmach and Nick Sky, the app launched
  in 2017, appeared on Shark Tank and took investment from Mark Cuban, and is a Techstars portfolio company. It links to a
  user's bank account, tracks spending, automates extra debt payments, supports savings goals, and visualizes payoff progress
  for a $4/month subscription, with banking services provided by nbkc bank (Member FDIC). ChangEd is a consumer mobile product
  and does not publish a public API, developer portal, or SDK; this profile is maintained as a company record in the API Evangelist
  network.
url: https://raw.githubusercontent.com/api-evangelist/changed/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://7917815.fs1.hubspotusercontent-na1.net/hubfs/7917815/ChangEd/logos/ChangEd-Logo.svg
x-type: company
x-source: vc-portfolio
x-backed-by:
- techstars
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Fintech
- Financial Services
- Debt Payoff
- Student Loans
- Personal Finance
- Savings
- Consumer App
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://gochanged.com/
- type: Blog
  url: https://www.gochanged.com/blog
- type: Support
  url: https://support.gochanged.com/hc/en-us
- type: SignUp
  url: https://www.gochanged.com/text-me-the-app
- type: TermsOfService
  url: https://www.gochanged.com/terms-of-use
- type: PrivacyPolicy
  url: https://www.gochanged.com/privacy
- type: LinkedIn
  url: https://www.linkedin.com/company/changedapp/
- type: DomainSecurity
  url: security/changed-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence