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 publishes 1 API on the APIs.io network. Tagged areas include Fintech, Wealth Management, Investments, Savings, and Mutual Funds.

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

🌐 Visit website 📡 Source on GitHub

29.5/100 thin ▬ flat Agent 5/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessFreemiumApproval

1 APIs

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

Kin Score

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

Composite quality — 29.5/100 · thin

Contract Quality 0.0 / 25

Developer Ergonomics 10.0 / 20

Access Clarity 7.9 / 20

Operational Transparency 4.8 / 13

Contract Governance 0.0 / 12

Discoverability 6.9 / 10

Agent readiness — 5/100 · 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

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.

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/cowrywise: 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 →

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...

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

disclosure policy published

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: medium
  source:
  - plans
  generated: '2026-07-22'
  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
- Investments
- Savings
- Mutual Funds
- Nigeria
- Africa
- Financial-Services
- REST API
tags_raw:
- Fintech
- Wealth Management
- Investments
- Savings
- Mutual Funds
- Nigeria
- Africa
- Financial Services
- REST API
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:
  - Investments
  - 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

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