# ChangEd

**Canonical:** https://apis.io/providers/changed/  
**Website:** https://gochanged.com/  
**APIs profiled:** 0

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.

## Kin Score — 13.0 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 13.0).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 34.2 |
| Access Clarity | 34.2 |

Regulatory layer — **Education & Research**: 25.9 (matched via tags).

## Agent readiness — 0.0 (human-only)

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

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Changed Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Fintech, Financial-Services, Debt Payoff, Student Loans, Personal Finance, Savings, Consumer App

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