# Dave

**Canonical:** https://apis.io/providers/dave/  
**Website:** https://dave.com  
**APIs profiled:** 0

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.

## Kin Score — 13.7 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 13.7).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 44.7 |
| Access Clarity | 44.7 |

Regulatory layer — **Banking & Open Finance**: 17.7 (matched via tags).

## 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 |

## Access

No public API — aggregator-only (Plaid) — onboarding: unknown, pricing: unknown, trial: no (confidence: high).

## Security (1)

- **Dave Domain Security** — TLSv1.3 · DMARC

## Tags

Company, Fintech, Banking, Neobank, Personal Finance, Cash Advance, Financial-Services, Mobile Banking, United States, Open Finance, Aggregator Access, Plaid

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