# FloatMe

**Canonical:** https://apis.io/providers/floatme/  
**Website:** https://floatme.com  
**APIs profiled:** 0

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.

## Kin Score — 8.6 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 8.6).

| 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 |

Regulatory layer — **Banking & Open Finance**: 17.7 (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)

- **Floatme Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Fintech, Cash Advance, Personal Finance, Banking, Financial Wellness, Consumer

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