FloatMe

FloatMe is a US fintech app offering interest-free cash advances ("Floats") to help members bridge income gaps between paychecks — new eligible members can request up to $50 and existing members up to $100, with no credit check and no reporting to credit bureaus. Beyond advances, FloatMe provides spending tracking and insights, low-balance alerts to help avoid overdraft fees, income and cash-flow forecasting, and an exclusive marketplace of deals on everyday essentials. The service runs on a $4.99/month membership, with optional instant-transfer fees. FloatMe operates a consumer mobile app and website; it does not currently publish a public developer API, SDKs, or API documentation.

FloatMe is profiled on the APIs.io network. Tagged areas include Company, Fintech, Cash Advance, Personal Finance, and Banking.

FloatMe’s developer surface includes engineering blog, support, and 4 more developer resources.

🌐 Visit website 📡 Source on GitHub

8.6/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

0 APIs

CompanyFintechCash AdvancePersonal FinanceBankingFinancial WellnessConsumer

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 8.6/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 3.6 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.3 / 9

Regulatory Posture 2.7 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

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

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance 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.

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/.

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/floatme: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: floatme
name: FloatMe
description: FloatMe is a US fintech app offering interest-free cash advances ("Floats") to help members bridge income gaps
  between paychecks — new eligible members can request up to $50 and existing members up to $100, with no credit check and
  no reporting to credit bureaus. Beyond advances, FloatMe provides spending tracking and insights, low-balance alerts to
  help avoid overdraft fees, income and cash-flow forecasting, and an exclusive marketplace of deals on everyday essentials.
  The service runs on a $4.99/month membership, with optional instant-transfer fees. FloatMe operates a consumer mobile app
  and website; it does not currently publish a public developer API, SDKs, or API documentation.
url: https://raw.githubusercontent.com/api-evangelist/floatme/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- foundry-group
x-tier: stub
x-tier-reason: portfolio-lead
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
image: https://cdn.prod.website-files.com/691f56a3269093c75f63da3f/693c8ecf19e9f987f2a5e386_og-graph.png
tags:
- Company
- Fintech
- Cash Advance
- Personal Finance
- Banking
- Financial Wellness
- Consumer
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://floatme.com
- type: Blog
  url: https://floatme.com/blog
- type: Support
  url: https://floatme.zendesk.com/
- type: TermsOfService
  url: https://floatme.com/terms
- type: PrivacyPolicy
  url: https://floatme.com/privacy-policy
- type: DomainSecurity
  url: security/floatme-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence