Cleo

Cleo is an AI-powered personal finance assistant delivered through a chat interface in iOS and Android apps. The platform helps consumers budget, track spending across linked bank accounts, set savings goals, and access features such as Cleo Wallet (savings), Cleo Cover (cash advance), and Cleo Builder (credit-building). Cleo connects to user bank accounts using Plaid for read-only transaction access and does not currently publish a public, third-party developer API.

Cleo is profiled on the APIs.io network. Tagged areas include Artificial Intelligence, Banking, Budgeting, Cash Advance, and Consumer Finance.

Cleo’s developer surface includes engineering blog, GitHub presence, and 6 more developer resources.

🌐 Visit website 📡 Source on GitHub

3.6/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

0 APIs

Artificial Intelligence Banking Budgeting Cash Advance Consumer FinanceFinancial AssistantPersonal Finance

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 3.6/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 0.0 / 17

Operational Transparency 0.6 / 11

Contract Governance 0.0 / 10

Discoverability 4.3 / 9

Regulatory Posture 1.1 / 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/cleo: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Build 1

SDKs, sample code, and the tooling you integrate with

GitHub

GitHub

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Help Center

Help Center

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Company 3

The organization behind the API

LinkedIn

Website

Website

Blog

Blog

Source (apis.yml)

aid: cleo
name: Cleo
url: https://raw.githubusercontent.com/api-evangelist/cleo/refs/heads/main/apis.yml
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
created: '2025-03-01'
modified: '2026-04-26'
type: Index
access: 3rd-Party
position: Consumer
specificationVersion: '0.23'
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/cleo.png
kind: company
tags:
- Artificial Intelligence
- Banking
- Budgeting
- Cash Advance
- Consumer Finance
- Financial Assistant
- Personal Finance
tags_raw:
- AI
- Banking
- Budgeting
- Cash Advance
- Consumer Finance
- Financial Assistant
- Personal Finance
description: Cleo is an AI-powered personal finance assistant delivered through a chat interface in iOS and Android apps.
  The platform helps consumers budget, track spending across linked bank accounts, set savings goals, and access features
  such as Cleo Wallet (savings), Cleo Cover (cash advance), and Cleo Builder (credit-building). Cleo connects to user bank
  accounts using Plaid for read-only transaction access and does not currently publish a public, third-party developer API.
apis: []
artifacts:
- aid: cleo:mobile-app
  name: Cleo Mobile Application
  tags:
  - Mobile
  - Consumer Finance
  humanURL: https://web.meetcleo.com/
  properties:
  - url: https://apps.apple.com/us/app/cleo-ai-smart-money-manager/id1447274646
    type: iOS App
  - url: https://play.google.com/store/apps/details?id=com.meetcleo.cleo
    type: Android App
  description: Cleo's consumer mobile application is the primary interface for interacting with the AI assistant for budgeting,
    cash advances, and savings.
common:
- type: DomainSecurity
  url: security/cleo-domain-security.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/cleo-ai
- type: Website
  url: https://web.meetcleo.com/
- type: Blog
  url: https://web.meetcleo.com/blog
- type: Help Center
  url: https://web.meetcleo.com/help
- type: GitHub
  url: https://github.com/meetcleo
- type: PrivacyPolicy
  url: https://web.meetcleo.com/privacy
- type: TermsOfService
  url: https://web.meetcleo.com/terms
maintainers:
- FN: Kin Lane
  email: kinlane@gmail.com