# Goin

**Canonical:** https://apis.io/providers/goin/  
**Website:** https://www.goin.app/  
**APIs profiled:** 0

Goin is a European consumer fintech platform, backed by Anthemis and based in Barcelona, Spain, that helps more than 700,000 users across Europe grow their money and spend less. The app bundles automated savings (fixed daily, weekly or monthly rules and goal-based portfolios), investing, buying and selling of cryptocurrencies, cashback and rewards at hundreds of online and physical stores, gift cards and coupons, and a browser extension that surfaces discounts while shopping. Bank accounts are connected securely under Europe's PSD2 open banking regulation, and a referral program rewards users for inviting friends. Goin is a business-to-consumer mobile product distributed through the Apple App Store and Google Play; it does not publish a public developer program, API, or documentation surface. This API Evangelist profile tracks Goin as a portfolio lead and captures its public web, help, and legal presence.

## Kin Score — 8.2 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 8.2).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 4.8 |
| 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)

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

## Tags

Company, Fintech, Personal Finance, Savings, Investing, Cryptocurrency, Cashback, Rewards, Open Banking, PSD2, Consumer App, Europe, Spain

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