# Charlie Finance

**Canonical:** https://apis.io/providers/charlie-finance/  
**Website:** https://charlie.com/  
**APIs profiled:** 0

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.

## Kin Score — 9.9 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 9.9).

| 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 | 27.6 |
| Access Clarity | 27.6 |

Regulatory layer — **Banking & Open Finance**: 17.7 (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)

- **Charlie Finance Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Fintech, Banking, Neobank, Seniors, Consumer Finance, Debit Card, Social Security

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