# Clair

**Canonical:** https://apis.io/providers/clair/  
**Website:** https://getclair.com/  
**APIs profiled:** 0

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.

## Kin Score — 14.5 / 100 (emerging)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 14.5).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Operational Transparency | 36.8 |
| Developer Ergonomics | 10.9 |
| Commercial Clarity | 10.5 |

Regulatory layer — **Banking & Open Finance**: 12.7 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | 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 |

## Security (1)

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

## Tags

Company, Financial Services, FinTech, Earned Wage Access, On-Demand Pay, Payroll, Embedded Finance, Banking, Human Resources

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