# Cowrywise

**Canonical:** https://apis.io/providers/cowrywise/  
**Website:** https://cowrywise.com/  
**APIs profiled:** 1

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.

## Kin Score — 21.9 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 21.9).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 36.8 |
| Developer Ergonomics | 11.9 |
| Commercial Clarity | 39.5 |
| Access Clarity | 39.5 |

## Agent readiness — 3.0 (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 | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Freemium · Requires approval — onboarding: approval, pricing: freemium, trial: no (confidence: medium).

## APIs (1)

- **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...

## Security (2)

- **Cowrywise Domain Security** — TLSv1.2 · DMARC
- **Cowrywise Vulnerability Disclosure** — disclosure policy published

## Plans (1)

- **Cowrywise Plans Pricing**

## Tags

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

---

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