# Finku

**Canonical:** https://apis.io/providers/finku/  
**Website:** https://finku.id  
**APIs profiled:** 0

Finku is an AI-based personal finance management (PFM) mobile app from Indonesia, recognized as the number-one Indonesia PFM app and a Google Play "Best of 2025" selection with more than one million users. It helps people track expenses, set budgets, and build better money habits through manual entry, receipt and bank e-statement scanning, and FinGPT, a chat-based AI financial assistant. The app connects multiple banks and e-wallets, generates real-time interactive dashboards and reports, and runs a freemium model with a Premium tier. Finku is registered with Indonesian regulators OJK, Kominfo, AFTECH, and AFPI, and secures user data with 256-bit AES encryption. Finku is a consumer application and does not currently publish a public developer API, SDK, or developer portal; this profile originated as a VC-portfolio lead for the API Evangelist network.

## Kin Score — 10.6 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 10.6).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

## 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)

- **Finku Domain Security** — TLSv1.3 · DMARC

## Tags

Company, Personal Finance, Fintech, Budgeting, Expense Tracking, Money Management, Financial Analytics, AI Assistant, Indonesia, Consumer

---

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