# earmarkIQ

**Canonical:** https://apis.io/providers/earmarkiq-app/  
**Website:** https://earmarkiq.app/  
**APIs profiled:** 1

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.

## Kin Score — 15.8 / 100 (emerging)

Scored 2026-11-06 under rubric 0.27.0.

| Facet | Score |
|---|---|
| Discoverability | 67.9 |
| Contract Quality | 0.0 |
| Contract Governance | 4.5 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 2.4 |
| Access Clarity | 34.2 |

Regulatory layer — **Horizontal (data, software, accessibility, platform)**: 22.7 (matched via fallback).

## Agent readiness — 18.7 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | served |
| 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 | served |
| Protected Resource Metadata | verified |
| Dynamic Client Registration | yes |
| Agentic Commerce | no |
| Pagination Ratio | na |
| Operation Distinctiveness | na |
| MCP Tool Quality | na |

## Access

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

## APIs (1)

- **Earmark API** — AI‑powered payroll intelligence platform

## Security (1)

- **Earmarkiq App Domain Security** — TLSv1.3 · HSTS

## Tags

Company, Finance, Artificial Intelligence, Budgeting, United Kingdom

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