# Cushion.ai

**Canonical:** https://apis.io/providers/cushion-ai/  
**Website:** https://www.cushion.ai  
**APIs profiled:** 0

Cushion.ai was an AI‑powered consumer finance platform founded in 2016 by Paul Kesserwani. It built tools to help everyday people negotiate bank fees and navigate a confusing, costly financial system. After nine years it was acquired by LendingClub in April 2025 and subsequently shut down in early 2025 when the fee‑arbitrage model became unsustainable. The company raised $21 M and was noted for its AI‑driven fee‑negotiation service before closure.

## Kin Score — 3.0 / 100 (minimal)

Scored 2026-11-06 under rubric 0.27.0. Trend: flat (+0.0 from 3.0).

| Facet | Score |
|---|---|
| Discoverability | 44.6 |
| Contract Quality | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Horizontal (data, software, accessibility, platform)**: 5.5 (matched via fallback).

## 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 |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |
| Pagination Ratio | na |
| Operation Distinctiveness | na |
| MCP Tool Quality | na |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Cushion Ai Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Fintech, Artificial Intelligence, Consumer Finance, FeeNegotiation, Acquired

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