Cowrywise

Cowrywise is a Nigerian wealth management platform and SEC-licensed fund manager offering savings plans, investment portfolios, dollar accounts, and financial goal tracking for individuals. The Embed API provides investment-as-a-service capabilities, enabling developers to integrate regulated African investment products — including savings, mutual funds, treasury bills, Eurobonds, and equities — into their own applications via a single REST API with OAuth 2.0 authentication.

Cowrywise is listed with 1 API on the APIs.io network. Tagged areas include Fintech, Wealth Management, Investment, Savings, and Mutual Funds.

Cowrywise’s developer surface includes documentation, engineering blog, pricing, and 9 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

23.2/100 emerging ▬ flat Agent 3/100 human only Front door AI 1/6 silent Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessFreemiumApproval

1 API

Fintech Wealth Management Investment Savings Mutual Funds Nigeria Africa Financial Services REST API

Kin Score

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

Composite quality — 23.2/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 8.5 / 17

Access Clarity 2.7 / 17

Operational Transparency 2.6 / 11

Contract Governance 0.0 / 10

Discoverability 5.6 / 9

Regulatory Posture 2.6 / 15

Agent readiness — 3/100 · human only

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 0 / 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 Horizontal (data, software, accessibility, platform) 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

11 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
Access Clarity scores 15.8 — up to +16.8 composite points
Contract Governance scores 0.0 — up to +12.0 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/cowrywise/apis.yml: open an issue on github.com/api-evangelist/cowrywise 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 →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Cowrywise Embed API

Investment-as-a-service REST API that allows developers to embed regulated investment products (savings, mutual funds, treasury bills, Eurobonds, equities) into their applicatio...

Cowrywise API pricing

Not yet checked against Cowrywise's own pricing page. Compiled by API Evangelist; confirm before you rely on a figure.

Plan	Price
Sandbox / Test	—
Production (Early Access)	—

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

Cowrywise Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Cowrywise Rate Limits

3 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Cowrywise Finops

FINOPS

Security Posture 2

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

Cowrywise Domain Security

TLSv1.2 · DMARC

SECURITY

Cowrywise Vulnerability Disclosure

no policy recorded

SECURITY

Resources

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrg

GitHubOrg

Access & Security 2

Authentication, authorization, and security posture

VulnerabilityDisclosure

VulnerabilityDisclosure

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Source (apis.yml)

aid: cowrywise
name: Cowrywise
description: Cowrywise is a Nigerian wealth management platform and SEC-licensed fund manager offering savings plans, investment
  portfolios, dollar accounts, and financial goal tracking for individuals. The Embed API provides investment-as-a-service
  capabilities, enabling developers to integrate regulated African investment products — including savings, mutual funds,
  treasury bills, Eurobonds, and equities — into their own applications via a single REST API with OAuth 2.0 authentication.
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: freemium
  onboarding: approval
  trial: false
  try_now: false
  public: false
  label: Freemium · Requires approval
  confidence: low
  source:
  - plans
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/cowrywise.png
url: https://raw.githubusercontent.com/api-evangelist/cowrywise/refs/heads/main/apis.yml
created: '2026-06-13'
modified: '2026-06-13'
specificationVersion: '0.23'
type: Index
tags:
- Fintech
- Wealth Management
- Investment
- Savings
- Mutual Funds
- Nigeria
- Africa
- Financial Services
- REST API
tags_raw:
- Fintech
- Wealth Management
- Investments
- Savings
- Mutual Funds
- Nigeria
- Africa
- Financial Services
- REST API
- Financial-Services
apis:
- aid: cowrywise:embed-api
  name: Cowrywise Embed API
  description: Investment-as-a-service REST API that allows developers to embed regulated investment products (savings, mutual
    funds, treasury bills, Eurobonds, equities) into their applications. Supports user account creation, identity verification,
    portfolio management, funding, liquidation, withdrawals, transactions, and webhooks. Available in NGN and USD.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developers.cowrywise.com/
  baseURL: https://production.embed.cowrywise.com
  tags:
  - Investment
  - Savings
  - Mutual Funds
  - Portfolio
  - Wallets
  - Fintech
  - Nigeria
  tags_raw:
  - Investments
  - Savings
  - Mutual Funds
  - Portfolios
  - Wallets
  - Fintech
  - Nigeria
  properties:
  - type: Documentation
    url: https://developers.cowrywise.com/
  - type: Authentication
    url: https://developers.cowrywise.com/guides/authentication
  - type: GettingStarted
    url: https://developers.cowrywise.com/guides/welcome
  - type: Reference
    url: https://developers.cowrywise.com/reference
  - type: SDKs
    url: https://developers.cowrywise.com/libraries
  - type: GitHubOrg
    url: https://github.com/cowrywise
  - type: NodeJSSDK
    url: https://github.com/cowrywise/embed-node
  - type: PythonSDK
    url: https://github.com/cowrywise/embedpy
  contact:
  - FN: Cowrywise Support
    email: support@cowrywise.com
common:
- type: VulnerabilityDisclosure
  url: security/cowrywise-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/cowrywise-domain-security.yml
- type: Website
  url: https://cowrywise.com/
- type: Documentation
  url: https://developers.cowrywise.com/
- type: GitHubOrg
  url: https://github.com/cowrywise
- type: LinkedIn
  url: https://ng.linkedin.com/company/cowrywise
- type: Blog
  url: https://cowrywise.com/blog/
- type: Pricing
  url: https://cowrywise.com/embed
- type: X
  url: https://twitter.com/cowrywise
- type: Plans
  url: plans/cowrywise-plans-pricing.yml
- type: RateLimits
  url: rate-limits/cowrywise-rate-limits.yml
- type: FinOps
  url: finops/cowrywise-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

Cowrywise API — frequently asked questions

Does Cowrywise have an API?

Yes. APIs.io lists 1 API from Cowrywise, including Cowrywise Embed API.

How do I authenticate with the Cowrywise API?

Cowrywise uses bearer-token authentication.

How much does the Cowrywise API cost?

APIs.io lists 2 pricing plans for Cowrywise, with each plan's price, limits and inclusions under Pricing on this page.

Is the Cowrywise API ready for AI agents?

Cowrywise has a Kin Score of 23.2 out of 100 (emerging) and an Agent Readiness score of 3.1 (human-only), scored by API Evangelist on 2026-11-06.

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