earmarkIQ

earmarkIQ is an AI‑powered budgeting application targeting UK professionals. It connects to all major UK bank accounts, providing a personal money coach that tracks spending, suggests bill switches, and helps users meet savings goals. The app is free to download on iOS and offers insights to optimise cash flow, aiming to simplify financial management for busy professionals.

earmarkIQ is listed with 1 API on the APIs.io network. Tagged areas include Company, Finance, Artificial Intelligence, Budgeting, and United Kingdom.

earmarkIQ’s developer surface includes engineering blog and 11 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

15.8/100 emerging Agent 19/100 agent aware Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 API

Company Finance Artificial Intelligence Budgeting United Kingdom

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 15.8/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 0.4 / 17

Access Clarity 5.8 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.5 / 10

Discoverability 5.8 / 9

Regulatory Posture 3.4 / 15

Agent readiness — 19/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 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 6 / 6

Protected Resource Metadata 5 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) 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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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

9 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 2.4 — up to +19.5 composite points
Access Clarity scores 34.2 — up to +13.2 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/earmarkiq-app/apis.yml: open an issue on github.com/api-evangelist/earmarkiq-app to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OAuth 2.0 Protected Resource Metadata

measured — observed by APIs.io (verified)

Dynamic Client Registration

measured — observed by APIs.io (published)

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Earmark API

AI‑powered payroll intelligence platform

Security Posture 1

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

Earmarkiq App Domain Security

TLSv1.3 · HSTS

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

Login

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

WellKnown

WellKnown

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Newsroom

Newsroom

Website

Website

Blog

Blog

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: earmarkiq-app
name: earmarkIQ
description: earmarkIQ is an AI‑powered budgeting application targeting UK professionals. It connects to all major UK bank
  accounts, providing a personal money coach that tracks spending, suggests bill switches, and helps users meet savings goals.
  The app is free to download on iOS and offers insights to optimise cash flow, aiming to simplify financial management for
  busy professionals.
url: https://artifacts.apis.io/earmarkiq-app/apis.yml
x-type: company
x-source: harvest:mcp-registry
x-tier: profiled
x-tier-reason: enrichment pass 2026-11-06 (modular-v1; was harvest)
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  probe_state: gated
  source:
  - security
  generated: '2026-11-06'
  method: derived
specificationVersion: '0.20'
created: '2026-11-06'
modified: '2026-11-06'
tags:
- Company
- Finance
- Artificial Intelligence
- Budgeting
- United Kingdom
tags_raw:
- Company
- Finance
- AI
- Budgeting
- UK
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
image: https://earmarkiq.app/api/og?title=Meet%20the%20AI%20that%20actually%20knows%20your%20money&subtitle=AI%20money%20coach%20for%20UK%20professionals&stat=%C2%A3588%2Fyr%20saved
common:
- type: Conformance
  url: conformance/earmarkiq-app-conformance.yml
- type: LLMsTxt
  url: llms/earmarkiq-app-llms.txt
- type: WellKnown
  url: well-known/earmarkiq-app-well-known.yml
- type: Hosts
  url: hosts/earmarkiq-app-hosts.yml
- type: Vendors
  url: vendors/earmarkiq-app-vendors.yml
- type: Newsroom
  url: https://earmarkiq.app/news/iran-war-uk-inflation-cost-of-living-2026
- type: Login
  url: https://earmarkiq.app/login
- type: DomainSecurity
  url: security/earmarkiq-app-domain-security.yml
- type: Website
  url: https://earmarkiq.app/
- type: Blog
  url: https://earmarkiq.app/blog
- type: TermsOfService
  url: https://earmarkiq.app/terms
- type: PrivacyPolicy
  url: https://earmarkiq.app/privacy
apis:
- name: Earmark API
  description: AI‑powered payroll intelligence platform
  humanURL: https://api.earmarkiq.app
  baseURL: https://api.earmarkiq.app
  aid: earmarkiq-app:earmark-api
x-coverage:
  state: gated
  reason: partner-login
  method: derived
  generated: '2026-11-06'
  generator: derive-coverage.py (pre-flight evidence)
  detail: the company serves an API surface but requires credentials before any description of it can be read
  evidence:
  - url: https://api.earmarkiq.app/openapi.json
    status: null
  - url: https://api.earmarkiq.app/mcp
    status: 401
  - url: https://earmarkiq.app/
    status: 200
x-enrichment:
  date: '2026-11-06'
  status: enriched
  artifacts_added: 15
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

earmarkIQ API — frequently asked questions

Does earmarkIQ have an API?

Yes. APIs.io lists 1 API from earmarkIQ, including Earmark API.

Is the earmarkIQ API ready for AI agents?

earmarkIQ has a Kin Score of 15.8 out of 100 (emerging) and an Agent Readiness score of 18.7 (agent-aware), scored by API Evangelist on 2026-11-06.

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