# Cleo

**Canonical:** https://apis.io/providers/cleo/  
**Website:** https://web.meetcleo.com/  
**APIs profiled:** 0

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.

## Kin Score — 3.6 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 3.6).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 5.3 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Banking & Open Finance**: 7.6 (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)

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

## Tags

Artificial Intelligence, Banking, Budgeting, Cash Advance, Consumer Finance, Financial Assistant, Personal Finance

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