Charlie Finance

Charlie (Charlie Finance Co.) was a Pasadena, California fintech company that operated a mobile banking app and debit-card program built specifically for Americans aged 62 and older. Founded in 2021 by Kevin Nazemi, the service offered Social Security deposits paid up to several days early, a FraudShield protection layer tuned to scams that target seniors, 3% high-yield savings, no monthly fees or minimums, a fee-free Allpoint ATM network of 55,000+ machines, custom photo debit cards, and seven-day-a-week human customer support. Charlie is a portfolio company of Uncork Capital and raised a $7.5M seed round followed by a $23M Series A. The company discontinued service and permanently closed its debit-card program on January 22, 2026. Charlie is a consumer neobank and does not publish a public developer API, documentation portal, or machine-readable API specification.

Charlie Finance is profiled on the APIs.io network. Tagged areas include Company, Fintech, Banking, Neobank, and Seniors.

Charlie Finance’s developer surface includes engineering blog, support, and 6 more developer resources.

🌐 Visit website 📡 Source on GitHub

17.2/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

CompanyFintechBankingNeobankSeniorsConsumer FinanceDebit CardSocial Security

Kin Score

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

Composite quality — 17.2/100 · emerging

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/charlie-finance: 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

Login

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: charlie-finance
name: Charlie Finance
kind: company
description: Charlie (Charlie Finance Co.) was a Pasadena, California fintech company that operated a mobile banking app and
  debit-card program built specifically for Americans aged 62 and older. Founded in 2021 by Kevin Nazemi, the service offered
  Social Security deposits paid up to several days early, a FraudShield protection layer tuned to scams that target seniors,
  3% high-yield savings, no monthly fees or minimums, a fee-free Allpoint ATM network of 55,000+ machines, custom photo debit
  cards, and seven-day-a-week human customer support. Charlie is a portfolio company of Uncork Capital and raised a $7.5M
  seed round followed by a $23M Series A. The company discontinued service and permanently closed its debit-card program on
  January 22, 2026. Charlie is a consumer neobank and does not publish a public developer API, documentation portal, or machine-readable
  API specification.
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://cdn.prod.website-files.com/64c11f865f74f2ad8405ebdb/651ae5ffa00c6890f0cf7149_charlie-webclip.svg
url: https://raw.githubusercontent.com/api-evangelist/charlie-finance/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- uncork-capital
x-tier: stub
x-tier-reason: portfolio-lead
x-status: discontinued
x-discontinued: '2026-01-22'
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Fintech
- Banking
- Neobank
- Seniors
- Consumer Finance
- Debit Card
- Social Security
apis: []
common:
- type: Website
  url: https://charlie.com/
- type: Blog
  url: https://charlie.com/news
- type: Support
  url: mailto:support@charlie.com
- type: Login
  url: https://app.charlie.com/auth/login
- type: TermsOfService
  url: https://app.charlie.com/terms/TERMS_CONDITIONS
- type: PrivacyPolicy
  url: https://app.charlie.com/terms/PRIVACY_POLICY
- type: LinkedIn
  url: https://www.linkedin.com/company/charliefinancial
- type: DomainSecurity
  url: security/charlie-finance-domain-security.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence