EarnUp website screenshot

EarnUp

EarnUp is a San Francisco-based financial-wellness fintech that automates consumer debt paydown and savings. Using patented technology and predictive analytics, its platform lets people schedule and automatically make payments toward mortgages, auto loans, student loans, and other personal debt, and save for life events. EarnUp sells engagement and AI-advisor tooling to lenders, mortgage servicers, credit unions, employers, unions, and financial professionals, and reports that more than three million people have used the platform. Surfaced as a portfolio company of Bain Capital Ventures, this is a company profile in the API Evangelist network; EarnUp publishes no public developer API, so enrichment is limited to identity and security posture.

EarnUp is profiled on the APIs.io network. Tagged areas include Company, Fintech, Financial Services, Debt Repayment, and Personal Finance.

EarnUp’s developer surface includes signup flow, engineering blog, and 8 more developer resources.

🌐 Visit website 📡 Source on GitHub
23.9/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
0 APIs
CompanyFintechFinancial ServicesDebt RepaymentPersonal FinancePaymentsFinancial WellnessLending

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 23.9/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 0.4 / 20
Commercial Clarity 10.0 / 20
Operational Transparency 1.4 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
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
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/earnup: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Security Posture 3

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

Earnup Domain Security

TLSv1.3 · DMARC

SECURITY

Earnup Vulnerability Disclosure

contact published

SECURITY

Earnup Trust Center

SOC 2 Type II, SOC 1 Type II, ISO 27001, CSA CAIQ

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

SignUp
SignUp

Access & Security 5

Authentication, authorization, and security posture

TrustCenter
TrustCenter
 Compliance
Compliance
 Security
Security
 VulnerabilityDisclosure
VulnerabilityDisclosure
 DomainSecurity
DomainSecurity

Commercial 2

Pricing, plans, and the legal terms of use

PrivacyPolicy
PrivacyPolicy
 TermsOfService
TermsOfService

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
aid: earnup
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/earnup.png
name: EarnUp
description: EarnUp is a San Francisco-based financial-wellness fintech that automates consumer debt paydown and savings.
  Using patented technology and predictive analytics, its platform lets people schedule and automatically make payments toward
  mortgages, auto loans, student loans, and other personal debt, and save for life events. EarnUp sells engagement and AI-advisor
  tooling to lenders, mortgage servicers, credit unions, employers, unions, and financial professionals, and reports that
  more than three million people have used the platform. Surfaced as a portfolio company of Bain Capital Ventures, this is
  a company profile in the API Evangelist network; EarnUp publishes no public developer API, so enrichment is limited to identity
  and security posture.
url: https://raw.githubusercontent.com/api-evangelist/earnup/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- bain-capital-ventures
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Fintech
- Financial Services
- Debt Repayment
- Personal Finance
- Payments
- Financial Wellness
- Lending
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.earnup.com/
- type: SignUp
  url: http://www.myearnup.com/
- type: Blog
  url: https://earnup.com/insights/
- type: PrivacyPolicy
  url: https://earnup.com/privacy-policy/
- type: TermsOfService
  url: https://earnup.com/terms-of-use/
- type: TrustCenter
  url: https://earnup.com/trust-policy/
- type: Compliance
  url: https://earnup.com/trust-policy/
- type: Security
  url: https://earnup.com/trust-policy/
- type: VulnerabilityDisclosure
  url: security/earnup-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/earnup-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence