Deserve

Deserve was a mobile-first, cloud-native credit card platform and issuer processor that let regional banks, credit unions, and B2B companies launch and embed consumer, small-business, and commercial co-branded credit and charge cards via APIs and SDKs, with configurable modules for origination, underwriting, rewards, credit policy, and fraud. Founded as SelfScore and backed by Accel, Goldman Sachs, Mastercard, and Visa, the company was acquired by Intuit in April 2025, which took its core technology assets and select team members. As of 2026 the public deserve.com site serves only a "Launching Soon" placeholder and Deserve publishes no live developer portal, API reference, or documentation. This profile captures the residual public surface for the API Evangelist network.

Deserve is profiled on the APIs.io network. Tagged areas include Company, Consumer, Fintech, Credit Cards, and Card Issuing.

🌐 Visit website 📡 Profile data on GitHub

2.7/100 minimal ▬ flat Agent 0/100 human only Front door AI 1/6 silent Full breakdown ↓
scored 2026-10-23 · rubric v0.25.0 · Show this score on your site →

0 APIs

Company Consumer Fintech Credit Cards Card Issuing Payments Issuer Processor Embedded Finance

Kin Score

Kin Score How this is scored →
scored 2026-10-23 · rubric v0.25.0

Composite quality — 2.7/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.0 / 17

Access Clarity 0.0 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.1 / 9

Regulatory Posture 0.8 / 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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

Regulatory Posture applies to this provider. Its tags matched the Payments 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.

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.

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/.

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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/deserve: 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 →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Deserve Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Company 1

The organization behind the API

Website

Website

Source (apis.yml)

aid: deserve
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/deserve.png
name: Deserve
description: Deserve was a mobile-first, cloud-native credit card platform and issuer processor that let regional banks, credit
  unions, and B2B companies launch and embed consumer, small-business, and commercial co-branded credit and charge cards via
  APIs and SDKs, with configurable modules for origination, underwriting, rewards, credit policy, and fraud. Founded as SelfScore
  and backed by Accel, Goldman Sachs, Mastercard, and Visa, the company was acquired by Intuit in April 2025, which took its
  core technology assets and select team members. As of 2026 the public deserve.com site serves only a "Launching Soon" placeholder
  and Deserve publishes no live developer portal, API reference, or documentation. This profile captures the residual public
  surface for the API Evangelist network.
url: https://raw.githubusercontent.com/api-evangelist/deserve/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- accel
x-acquired-by: intuit
x-acquired-date: '2025-04-18'
x-status: acquired-site-placeholder
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Consumer
- Fintech
- Credit Cards
- Card Issuing
- Payments
- Issuer Processor
- Embedded Finance
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/deserve-domain-security.yml
- type: Website
  url: http://www.deserve.com
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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