# Fi Money

**Canonical:** https://apis.io/providers/fi-money/  
**Website:** https://fi.money  
**APIs profiled:** 0

Fi Money is a Bengaluru, India based money-management application and consumer fintech operated by Epifi Technologies, founded in 2019 by ex-Google Pay (Tez) executives Sujith Narayanan and Sumit Gwalani together with Neeraj Bhope and Prasanna Ranganathan. Fi is not a chartered bank; it delivers a millennial-focused mobile experience layered on top of partner RBI-licensed Federal Bank, providing zero-balance digital savings accounts, a Visa debit card, deposits, mutual funds, Indian and US stocks, EPF tracking, credit cards, personal loans, jump-style automated savings rules ("FIT Rules"), and an AI-powered money assistant. Fi has raised roughly US$169M across multiple rounds from investors including Sequoia Capital India (Peak XV), Ribbit Capital, Temasek, Alpha Wave, and B Capital, and serves Indian retail consumers via iOS and Android apps. There is no classic public REST developer API or partner banking-as-a-service surface; Fi's only developer-facing interface is the Fi MCP (Model Context Protocol) server — a JSON-RPC streaming endpoint at https://mcp.fi.money:8080/mcp/stream that lets users connect their own Fi account to LLM clients (Claude Desktop, Cursor, Windsurf, Gemini, ChatGPT) and call read-only tools such as fetch_net_worth, fetch_credit_report, fetch_epf_details, fetch_bank_transactions, fetch_mf_transactions, and fetch_stock_transactions to expose their net worth, holdings, EPF balance, credit report, and transactions to AI assistants. A hackathon-friendly mock server (epiFi/fi-mcp-dev, Go) and developer documentation (epiFi/mcp-docs) are published publicly on GitHub.

## Kin Score — 5.0 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 5.0).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 5.3 |
| Developer Ergonomics | 0.0 |
| Commercial Clarity | 10.5 |
| Access Clarity | 10.5 |

Regulatory layer — **Banking & Open Finance**: 12.7 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| 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 |

## Access

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

## Security (1)

- **Fi Money Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Fintech, Neobank, Consumer Banking, Personal Finance, Money Management, Wealth Analyzer, Mutual Funds, Stocks, EPF, Credit Cards, Personal Loans, Savings, UPI, India, Federal Bank, MCP, AI Assistant, Mobile Banking

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