# Highbeam

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

Highbeam is a business banking and finance platform built for modern consumer brands (direct-to-consumer and e-commerce). It brings together operating and high-yield accounts, a charge card that pays cashback on advertising spend, working capital and credit lines, automated bill pay, and spend intelligence, alongside Luma, an applied-AI finance assistant. Banking services are delivered through partner banks (Thread Bank, member FDIC) and Airwallex. Highbeam is based in New York City. As of this profile it publishes no public developer API, developer portal, or machine-readable API specification; this entry captures the company identity, its public web properties, and a live domain-security probe.

## Kin Score — 12.0 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 12.0).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 34.2 |
| Access Clarity | 34.2 |

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)

- **Highbeam Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Company, Banking, Fintech, Business Banking, Financial-Services, E-Commerce, Working Capital, Consumer Brands

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