Dave

Dave is a U.S. consumer financial-technology company (Nasdaq: DAVE), founded in 2016 and headquartered in Los Angeles, that operates a mobile banking app serving roughly 14 million members. Its products include ExtraCash short-term cash advances of up to $500 (underwritten with its CashAI cash-flow model rather than credit scores), an FDIC-insured Dave Checking account with early direct deposit and Round-Up savings, and a Goals savings account. Banking services are provided through partner banks such as Coastal Community Bank. Dave is a consumer app and does not publish a first-party public developer API, SDKs, or a developer portal: there is no developer.dave.com / docs.dave.com, and api.dave.com is the app's private, undocumented mobile backend. Programmatic access to Dave-held consumer data is aggregator-mediated — Dave both consumes Plaid (to let members link external accounts) and is reachable as a supported institution through open-finance aggregators. This profile captures its public identity, aggregator-only open-finance posture, commercial link surface, and domain-security posture.

Dave is profiled on the APIs.io network. Tagged areas include Company, Fintech, Banking, Neobank, and Personal Finance.

Dave’s developer surface includes signup flow, engineering blog, support, pricing, and 6 more developer resources.

🌐 Visit website 📡 Source on GitHub

13.7/100 emerging ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

0 APIs

CompanyFintechBankingNeobankPersonal FinanceCash AdvanceFinancial-ServicesMobile BankingUnited StatesOpen FinanceAggregator AccessPlaid

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 13.7/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 7.6 / 17

Operational Transparency 0.3 / 11

Contract Governance 0.0 / 10

Discoverability 4.3 / 9

Regulatory Posture 2.7 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 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

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance 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.

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/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/dave: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Get Started 1

Portal, sign-up, and the first successful call

Signup

Signup

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Source (apis.yml)

aid: dave
name: Dave
kind: company
description: 'Dave is a U.S. consumer financial-technology company (Nasdaq: DAVE), founded in 2016 and headquartered in Los
  Angeles, that operates a mobile banking app serving roughly 14 million members. Its products include ExtraCash short-term
  cash advances of up to $500 (underwritten with its CashAI cash-flow model rather than credit scores), an FDIC-insured Dave
  Checking account with early direct deposit and Round-Up savings, and a Goals savings account. Banking services are provided
  through partner banks such as Coastal Community Bank. Dave is a consumer app and does not publish a first-party public developer
  API, SDKs, or a developer portal: there is no developer.dave.com / docs.dave.com, and api.dave.com is the app''s private,
  undocumented mobile backend. Programmatic access to Dave-held consumer data is aggregator-mediated — Dave both consumes
  Plaid (to let members link external accounts) and is reachable as a supported institution through open-finance aggregators.
  This profile captures its public identity, aggregator-only open-finance posture, commercial link surface, and domain-security
  posture.'
url: https://raw.githubusercontent.com/api-evangelist/dave/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- norwest-venture-partners
x-tier: stub
x-tier-reason: portfolio-lead
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-11'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: No public API — aggregator-only (Plaid)
  confidence: high
  source:
  - review
  generated: '2026-07-23'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-23'
image: https://dave.com/icons/icon-512.png
tags:
- Company
- Fintech
- Banking
- Neobank
- Personal Finance
- Cash Advance
- Financial-Services
- Mobile Banking
- United States
- Open Finance
- Aggregator Access
- Plaid
tags_raw:
- Company
- Fintech
- Banking
- Neobank
- Personal Finance
- Cash Advance
- Financial Services
- Mobile Banking
- United States
- Open Finance
- Aggregator Access
- Plaid
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Signup
  url: https://dave.com/register
- type: Website
  url: https://dave.com
- type: Blog
  url: https://dave.com/blog
- type: Support
  url: https://support.dave.com/hc/en-us
- type: Pricing
  url: https://dave.com/no-hidden-fees
- type: TermsOfService
  url: https://dave.com/terms-and-agreements
- type: PrivacyPolicy
  url: https://dave.com/privacy
- type: GitHubOrganization
  url: https://github.com/dave-inc
- type: LinkedIn
  url: https://www.linkedin.com/company/dave-inc
- type: DomainSecurity
  url: security/dave-domain-security.yml
x-enrichment:
  date: '2026-07-23'
  status: deepened
  pass: local-v2
  note: aggregator-only open-finance posture verified; no first-party public API surface found