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

9.9/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-21 · rubric v0.12.0

0 APIs

Company Fintech Banking Neobank Seniors Consumer Finance Debit Card Social Security

Kin Score

Kin Score How this is scored →
scored 2026-08-21 · rubric v0.12.0

Composite quality — 9.9/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 4.7 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.3 / 9

Regulatory Posture 2.7 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

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

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance 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.

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/.

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: '0.23'
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

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