Clair

Clair Inc is a New York-based financial technology company that provides free, compliant On-Demand Pay (earned wage access) as an embedded service inside the payroll, time-and-attendance and workforce-management platforms employees already use. Rather than selling a consumer app, Clair partners with platforms — Gusto Embedded Payroll, Check, 7shifts and others — and connects to them over a partner REST API that transmits employee, employment and attendance data, which Clair's underwriting engine uses to originate 0% APR earned wage advances through its FDIC-insured partner bank, Pathward N.A. Partners embed a Clair-hosted user experience (a WebView component, distributed for iOS as Swift packages) so employees can take an advance, review history and handle loan servicing without a separate login. Clair has raised roughly $218M in total capital, including a $23.2M Series B in May 2025.

Clair is profiled on the APIs.io network. Tagged areas include Company, Financial Services, FinTech, Earned Wage Access, and On-Demand Pay.

Clair’s developer surface includes support, changelog, and 10 more developer resources.

🌐 Visit website 📡 Source on GitHub
14.5/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-17 · rubric v0.11.0
0 APIs
CompanyFinancial ServicesFinTechEarned Wage AccessOn-Demand PayPayrollEmbedded FinanceBankingHuman Resources

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-17 · rubric v0.11.0
Composite quality — 14.5/100 · emerging
Contract Quality 0.0 / 21
Developer Ergonomics 1.9 / 17
Commercial Clarity 1.8 / 17
Operational Transparency 4.1 / 11
Governance 0.0 / 10
Discoverability 4.9 / 9
Regulatory Posture 1.9 / 15
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 10
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/clair: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Clair Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt
LLMsTxt

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Components
Components
 Lifecycle
Lifecycle

Build 3

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization
 Packages
Packages
 SDKs
SDKs

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity

Operate 3

Status, limits, changes, and where to get help

StatusPage
StatusPage
 Support
Support
 ChangeLog
ChangeLog

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy
PrivacyPolicy

Company 1

The organization behind the API

Website
Website

Source (apis.yml)

apis.yml Raw ↑ 
aid: clair
name: Clair
description: Clair Inc is a New York-based financial technology company that provides free, compliant On-Demand Pay (earned
  wage access) as an embedded service inside the payroll, time-and-attendance and workforce-management platforms employees
  already use. Rather than selling a consumer app, Clair partners with platforms — Gusto Embedded Payroll, Check, 7shifts
  and others — and connects to them over a partner REST API that transmits employee, employment and attendance data, which
  Clair's underwriting engine uses to originate 0% APR earned wage advances through its FDIC-insured partner bank, Pathward
  N.A. Partners embed a Clair-hosted user experience (a WebView component, distributed for iOS as Swift packages) so employees
  can take an advance, review history and handle loan servicing without a separate login. Clair has raised roughly $218M in
  total capital, including a $23.2M Series B in May 2025.
image: https://avatars.githubusercontent.com/getclair
url: https://raw.githubusercontent.com/api-evangelist/clair/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-source-url: https://www.hiive.com/securities/clair-stock
specificationVersion: '0.20'
created: '2026-08-09'
modified: '2026-08-09'
tags:
- Company
- Financial Services
- FinTech
- Earned Wage Access
- On-Demand Pay
- Payroll
- Embedded Finance
- Banking
- Human Resources
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://getclair.com/
- type: GitHubOrganization
  url: https://github.com/getclair
- type: StatusPage
  url: https://status.getclair.com/
- type: PrivacyPolicy
  url: https://cdn.prod.website-files.com/66cded96fc6449eec10d942a/68c9b8fc52b7e5dcd7093db6_Privacy%20Policy.All%20(9.9.25).pdf
- type: Support
  url: https://getclair.com/knowledge
  x-evidence: search-index only; the host WAF-blocks direct probes (403)
- type: Packages
  url: packages/clair-packages.yml
- type: SDKs
  url: packages/clair-packages.yml
- type: Components
  url: components/clair-components.yml
- type: ChangeLog
  url: changelog/clair-changelog.yml
- type: Lifecycle
  url: lifecycle/clair-lifecycle.yml
- type: DomainSecurity
  url: security/clair-domain-security.yml
- type: LLMsTxt
  url: llms/clair-llms.txt
x-enrichment:
  date: '2026-08-09'
  status: minimal
  artifacts_added: 7
  pass: local-v1
x-coverage:
  state: gated
  reason: sales-gate
  detail: Clair runs a partner REST API for earned wage access but ships its API documentation only to contracted partners
    via getclair.com/partner ("contact sales@getclair.com / schedule a demo") — there is no developer subdomain at all (developer.,
    developers., docs. and api-docs..getclair.com are all NXDOMAIN) and api.getclair.com answers every path, including a control
    path that cannot exist, with the same 403 Cloudflare page.
  evidence:
  - url: https://api.getclair.com/openapi.json
    status: 403
  - url: https://api.getclair.com/zzz-control-path-does-not-exist-9987
    status: 403
  - url: https://getclair.com/.well-known/agent-card.json
    status: 404
  - url: https://getclair.com/llms.txt
    status: 404
  - url: https://status.getclair.com/
    status: 200
  checked: '2026-08-09'