Clinc

Clinc is a conversational AI platform for banking and financial services, founded in 2015 in Ann Arbor, Michigan. It provides the Natural Language Understanding (NLU), Natural Language Processing (NLP), and Natural Language Generation (NLG) engine behind virtual assistants and chatbots, and is ASR/TTS-agnostic so it can be connected to phone, mobile, web, or smart-speaker devices. Once a user utterance is converted to text, Clinc's AI engine interprets intent and calls the appropriate third-party systems (such as an external database) to answer or carry out an action. Clinc has been deployed with customers including USAA, Ford, Barclays, and İşbank, and is backed by Insight Partners, Drive Capital, and eLab Ventures. NOTE — Clinc's public developer surface (clinc.com and api.clinc.com) is offline as of 2026-07-18: the clinc.com AWS Route53 delegation is dangling and its authoritative nameservers return REFUSED, so the domain resolves SERVFAIL everywhere. The documentation and API URLs recorded here are the genuine published locations, recoverable via the Internet Archive.

Clinc is profiled on the APIs.io network. Tagged areas include Company, Conversational AI, Natural Language Processing, Virtual Assistant, and Banking.

Clinc’s developer surface includes documentation, getting-started guide, and 5 more developer resources.

🌐 Visit website 📡 Source on GitHub

3.6/100 minimal ▬ flat Agent 0/100 human only library Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

0 APIs

Company Conversational AI Natural Language Processing Virtual Assistant Banking Financial-Services Chatbots Machine-Learning

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 3.6/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 1.8 / 17

Access Clarity 0.0 / 17

Operational Transparency 0.3 / 11

Contract Governance 0.0 / 10

Discoverability 4.9 / 9

Regulatory Posture 0.0 / 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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

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/.

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 github.com/api-evangelist/clinc: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Resources

Get Started 1

Portal, sign-up, and the first successful call

GettingStarted

GettingStarted

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Components

Components

Build 2

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

Company 1

The organization behind the API

Website

Website

Source (apis.yml)

aid: clinc
name: Clinc
description: 'Clinc is a conversational AI platform for banking and financial services, founded in 2015 in Ann Arbor, Michigan.
  It provides the Natural Language Understanding (NLU), Natural Language Processing (NLP), and Natural Language Generation
  (NLG) engine behind virtual assistants and chatbots, and is ASR/TTS-agnostic so it can be connected to phone, mobile, web,
  or smart-speaker devices. Once a user utterance is converted to text, Clinc''s AI engine interprets intent and calls the
  appropriate third-party systems (such as an external database) to answer or carry out an action. Clinc has been deployed
  with customers including USAA, Ford, Barclays, and İşbank, and is backed by Insight Partners, Drive Capital, and eLab Ventures.
  NOTE — Clinc''s public developer surface (clinc.com and api.clinc.com) is offline as of 2026-07-18: the clinc.com AWS Route53
  delegation is dangling and its authoritative nameservers return REFUSED, so the domain resolves SERVFAIL everywhere. The
  documentation and API URLs recorded here are the genuine published locations, recoverable via the Internet Archive.'
url: https://raw.githubusercontent.com/api-evangelist/clinc/refs/heads/main/apis.yml
deliveryModel:
  model: library
  open_source: false
  commercial: false
  callable_host: false
  label: Library · distributed through package registries, no callable service
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://avatars.githubusercontent.com/u/12968087?v=4
x-type: company
x-source: vc-portfolio
x-backed-by:
- insight-partners
x-tier: stub
x-tier-reason: portfolio-lead
x-status: web-surface-offline
x-status-note: clinc.com and api.clinc.com resolve SERVFAIL as of 2026-07-18 (dangling AWS Route53 delegation; authoritative
  nameservers REFUSED).
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Conversational AI
- Natural Language Processing
- Virtual Assistant
- Banking
- Financial-Services
- Chatbots
- Machine-Learning
tags_raw:
- Company
- Conversational AI
- Natural Language Processing
- Virtual Assistant
- Banking
- Financial Services
- Chatbot
- Machine Learning
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://clinc.com/
- type: Documentation
  url: https://api.clinc.com/platform/documentation/v2/platform_reference/
- type: GettingStarted
  url: https://api.clinc.com/platform/documentation/v2/starter_guide/
- type: GitHubOrganization
  url: https://github.com/clinc
- type: Packages
  url: packages/clinc-packages.yml
- type: Components
  url: components/clinc-components.yml
- type: LLMsTxt
  url: llms/clinc-llms.txt
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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