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, support, pricing, authentication, and 15 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

26.1/100 emerging ▬ flat Agent 13/100 agent aware Front door AI 5/6 prominent Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessPaidSelf serve

0 APIs

Artificial Intelligence Banking Budgeting Cash Advance Consumer FinanceFinancial AssistantPersonal Finance

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 26.1/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 3.2 / 17

Access Clarity 10.7 / 17

Operational Transparency 0.3 / 11

Contract Governance 1.9 / 10

Discoverability 4.7 / 9

Regulatory Posture 4.7 / 15

Agent readiness — 13/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 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

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

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.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

10 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 19.0 — up to +16.2 composite points
Operational Transparency scores 2.6 — up to +12.7 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/cleo/apis.yml: open an issue on github.com/api-evangelist/cleo to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	regulated	28.8 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Cleo API pricing

Prices published by Cleo.

Plan	Price
Cleo Plus	—
Cleo Pro	—
Cleo Builder	—

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

Cleo Plans Pricing

3 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Cleo Rate Limits

0 limits

RATE LIMITS

Security Posture 2

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

Cleo Authentication

oauth2 · 1 scheme

SECURITY

Cleo Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Cleo Scopes

3 scopes · authorizationCode

3 scopes

SCOPES

Resources

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Lifecycle

Lifecycle

Build 2

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

Access & Security 3

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

OAuthScopes

OAuthScopes

Operate 3

Status, limits, changes, and where to get help

RateLimits

RateLimits

Help Center

Help Center

Support

Support

Commercial 4

Pricing, plans, and the legal terms of use

PrivacyPolicy

TermsOfService

Pricing

Plans

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
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Paid · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  - scopes
  - rate-limits
  - security
  generated: '2026-11-06'
  method: derived
created: '2025-03-01'
modified: '2026-09-05'
type: Index
access: 3rd-Party
position: Consuming
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: RateLimits
  url: rate-limits/cleo-rate-limits.yml
- 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/faqs/en/
- type: Support
  url: https://web.meetcleo.com/faqs/en/
- type: PrivacyPolicy
  url: https://web.meetcleo.com/page/privacy-policy
- type: TermsOfService
  url: https://web.meetcleo.com/page/term-conditions
- type: Pricing
  url: https://web.meetcleo.com/pricing
- type: GitHubOrganization
  url: https://github.com/meetcleo
- type: WellKnown
  url: well-known/cleo-well-known.yml
- type: Authentication
  url: authentication/cleo-authentication.yml
- type: OAuthScopes
  url: scopes/cleo-scopes.yml
- type: Conformance
  url: conformance/cleo-conformance.yml
- type: Packages
  url: packages/cleo-packages.yml
- type: Lifecycle
  url: lifecycle/cleo-lifecycle.yml
- type: Plans
  url: plans/cleo-plans-pricing.yml
- type: LLMsTxt
  url: llms/cleo-llms.txt
maintainers:
- FN: Kin Lane
  email: kinlane@gmail.com
x-enrichment:
  date: '2026-09-05'
  status: enriched
  artifacts_added: 10
  pass: local-v3

Cleo API — frequently asked questions

How do I authenticate with the Cleo API?

Cleo documents its authentication (oauth2 · 1 scheme). The details are profiled on APIs.io as Cleo Authentication.

How much does the Cleo API cost?

APIs.io lists 3 pricing plans for Cleo, with each plan's price, limits and inclusions under Pricing on this page.

Is the Cleo API ready for AI agents?

Cleo has a Kin Score of 26.1 out of 100 (emerging) and an Agent Readiness score of 13.3 (agent-aware), scored by API Evangelist on 2026-11-06.

Work with this as data

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