# Clinc

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

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.

## 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 | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 10.7 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Banking & Open Finance**: 0.0 (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).

## Tags

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

---

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