# Habitto

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

Habitto is a Tokyo-based fintech company building a mobile financial wellness app for the Japanese market under the banner お金の新習慣 ("new money habits"). The app pairs a high-yield savings account and a cashback debit card with access to human financial advisors who help users save, grow, and protect their money. Habitto is backed by the fintech-focused venture investors Anthemis and QED Investors. This API Evangelist profile has been enriched with company identity, website link properties, and a domain-security probe; Habitto is a consumer-facing product and publishes no public developer API, SDKs, or API documentation.

## Kin Score — 1.5 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 1.5).

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

Regulatory layer — **Banking & Open Finance**: 7.6 (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)

- **Habitto Domain Security** — TLSv1.3 · DNSSEC · DMARC

## Tags

Company, Fintech, Banking, Savings Account, Debit Card, Financial Advisory, Personal Finance, Mobile Banking, Japan

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