Empower

Empower provides a modern financial platform offering personal investing, workplace retirement, and tools for financial professionals. It delivers a suite of services including investment accounts, IRAs, cash management, and financial planning tools, aiming to help individuals and organizations make better money decisions throughout their lives.

Empower is listed with 1 API on the APIs.io network. Tagged areas include Company, Finance, Investment, Retirement, and Financial-Tools.

Empower’s developer surface includes authentication, signup flow, pricing, getting-started guide, documentation, and 9 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

19.7/100 emerging ▼ -5.2 Agent 3/100 human only Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 API

Company Finance Investment RetirementFinancial-Tools

Kin Score

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

Composite quality — 19.7/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 5.7 / 17

Access Clarity 3.8 / 17

Operational Transparency 0.0 / 11

Contract Governance 1.9 / 10

Discoverability 4.7 / 9

Regulatory Posture 3.1 / 15

Agent readiness — 3/100 · human only

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 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

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

12 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
Access Clarity scores 22.4 — up to +15.5 composite points
Developer Ergonomics scores 33.3 — up to +13.3 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/empower/apis.yml: open an issue on github.com/api-evangelist/empower 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 →

APIs 1

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

Empower API

Developer portal for Empower's financial platform APIs.

Security Posture 2

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

Empower Authentication

2 schemes

SECURITY

Empower Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

SignUp

SignUp

GettingStarted

GettingStarted

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Commercial 3

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Pricing

Pricing

Company 2

The organization behind the API

Newsroom

Newsroom

Website

Website

Other 3

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Leadership

Leadership

Source (apis.yml)

aid: empower
name: Empower
description: Empower provides a modern financial platform offering personal investing, workplace retirement, and tools for
  financial professionals. It delivers a suite of services including investment accounts, IRAs, cash management, and financial
  planning tools, aiming to help individuals and organizations make better money decisions throughout their lives.
url: https://raw.githubusercontent.com/api-evangelist/empower/refs/heads/main/apis.yml
x-type: company
x-source: harvest:tag-qc
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-14 (modular-v1; was harvest)
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  probe_state: unreadable
  source:
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
specificationVersion: '0.20'
created: '2026-10-14'
modified: '2026-10-14'
tags:
- Company
- Finance
- Investment
- Retirement
- Financial-Tools
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Authentication
  url: authentication/empower-authentication.yml
- type: Conformance
  url: conformance/empower-conformance.yml
- type: Hosts
  url: hosts/empower-hosts.yml
- type: Vendors
  url: vendors/empower-vendors.yml
- type: TermsOfService
  url: https://www.empower.com/terms
- type: SignUp
  url: https://www.empower.com/signup
- type: PrivacyPolicy
  url: https://www.empower.com/privacy
- type: Pricing
  url: https://www.empower.com/the-currency/money/price-check-research
- type: Newsroom
  url: https://www.empower.com/investments/news
- type: Leadership
  url: https://www.empower.com/management
- type: GettingStarted
  url: https://developer.empower.com/docs/get-started
- type: Documentation
  url: https://developer.empower.com/
- type: DomainSecurity
  url: security/empower-domain-security.yml
- type: Website
  url: https://www.empower.com
apis:
- name: Empower API
  description: Developer portal for Empower's financial platform APIs.
  humanURL: https://developer.empower.com/
  baseURL: null
  aid: empower:empower-api
x-coverage:
  state: unreadable
  reason: no-machine-readable-spec
  detail: OpenAPI spec endpoints on api.empower.com return 403, and no machine-readable contract was found.
  evidence:
  - url: https://api.empower.com/openapi.json
    status: 403
  checked: '2026-10-14'
x-enrichment:
  date: '2026-10-14'
  status: enriched
  artifacts_added: 7
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

Empower API — frequently asked questions

Does Empower have an API?

Yes. APIs.io lists 1 API from Empower, including Empower API.

How do I authenticate with the Empower API?

Empower uses bearer-token authentication (2 schemes). The details are profiled on APIs.io as Empower Authentication.

Is the Empower API ready for AI agents?

Empower has a Kin Score of 19.7 out of 100 (emerging) and an Agent Readiness score of 2.5 (human-only), scored by API Evangelist on 2026-11-06.

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get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

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How their score was established

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