Human Interest

Human Interest is a fintech company providing affordable, full-service 401(k), 403(b), and IRA retirement plans built for small and medium-sized businesses. Founded to close the retirement savings gap, it combines automated plan administration, 600+ payroll integrations, and low-cost index-fund investing. For platforms and partners it publishes a GraphQL API (https://api.humaninterest.com/v1/graphql) that lets them onboard retirement plans end to end, integrate OpenID Connect single sign-on, and subscribe to webhook events, all documented at docs.humaninterest.com. Human Interest maintains a SafeBase trust center with SOC 1, SOC 2 Type 1 & 2, GLBA, and CCPA attestations plus a responsible-disclosure program.

Human Interest is listed with 1 API on the APIs.io network. Tagged areas include Company, Fintech, Retirement, 401k, and Employee Benefits.

The Human Interest catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Human Interest’s developer surface includes documentation, pricing, signup flow, support, engineering blog, authentication, and 16 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

54.8/100 strong ▲ 7.9 Agent 20/100 agent aware Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

AccessSelf serve

1 API

Company Fintech Retirement 401k Employee Benefits Payroll GraphQL

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 54.8/100 · strong

Contract Quality 8.3 / 21

Developer Ergonomics 9.7 / 17

Access Clarity 17.0 / 17

Operational Transparency 2.0 / 11

Contract Governance 1.9 / 10

Discoverability 5.6 / 9

Regulatory Posture 5.3 / 15

Agent readiness — 20/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

Regulatory Posture applies to this provider. Its tags matched the Employment & Payroll 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.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)

10 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 39.0 — up to +15.3 composite points
Operational Transparency scores 18.4 — up to +10.6 composite points
Contract Governance scores 18.2 — up to +9.8 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/human-interest/apis.yml: open an issue on github.com/api-evangelist/human-interest to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
HCM and Payroll Marketplaces (ADP, Workday, UKG, Paylocity)	regulated	19.2 (thin)	-	1

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

GraphQL

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Human Interest GraphQL API

Partner GraphQL API for onboarding 401(k)/403(b) retirement plans, OpenID Connect single sign-on, and webhook event subscriptions.

Pricing Plans 2

Published pricing tiers and plan structures.

Human Interest Plans Pricing

3 plans

PLANS

Human Interest Price Estimates

0 plans

PLANS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Human Interest Finops

FINOPS

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Human Interest Webhooks

ASYNCAPI

Security Posture 4

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Human Interest Authentication

oauth2/openIdConnect · 2 schemes

SECURITY

Human Interest Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Human Interest Vulnerability Disclosure

Hackerone · contact published

SECURITY

Human Interest Trust Center

SOC 1, SOC 2 Type 1, SOC 2 Type 2

SECURITY

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

SignUp

SignUp

Login

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Design & Contract 4

Pagination, idempotency, versioning, errors, and events

Conventions

Conformance

Lifecycle

Webhooks

Access & Security 6

Authentication, authorization, and security posture

Authentication

Authentication

Compliance

Compliance

TrustCenter

TrustCenter

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

Security

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 4

Pricing, plans, and the legal terms of use

Plans

Pricing

TermsOfService

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: human-interest
name: Human Interest
description: Human Interest is a fintech company providing affordable, full-service 401(k), 403(b), and IRA retirement plans
  built for small and medium-sized businesses. Founded to close the retirement savings gap, it combines automated plan administration,
  600+ payroll integrations, and low-cost index-fund investing. For platforms and partners it publishes a GraphQL API (https://api.humaninterest.com/v1/graphql)
  that lets them onboard retirement plans end to end, integrate OpenID Connect single sign-on, and subscribe to webhook events,
  all documented at docs.humaninterest.com. Human Interest maintains a SafeBase trust center with SOC 1, SOC 2 Type 1 & 2,
  GLBA, and CCPA attestations plus a responsible-disclosure program.
url: https://raw.githubusercontent.com/api-evangelist/human-interest/refs/heads/main/apis.yml
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  method: derived
image: https://cdn.builder.io/api/v1/image/assets%2Fe2719c23b0574124be5a7ea31e5b5e3b%2Fc050d2c9eb53497bb95bab1b377daf4a
x-type: company
x-source: vc-portfolio
x-backed-by:
- softbank-vision-fund
- susa-ventures
- sv-angel
- uncork-capital
- wing-venture-capital
- y-combinator
x-tier: enriched
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
x-docs-platform: docusaurus
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-03
x-docs-hosting: aws-cloudfront
tags:
- Company
- Fintech
- Retirement
- 401k
- Employee Benefits
- Payroll
- GraphQL
tags_raw:
- Company
- Fintech
- Retirement
- 401(k)
- Employee Benefits
- Payroll
- GraphQL
- API
apis:
- name: Human Interest GraphQL API
  description: Partner GraphQL API for onboarding 401(k)/403(b) retirement plans, OpenID Connect single sign-on, and webhook
    event subscriptions.
  humanURL: https://docs.humaninterest.com/
  baseURL: https://api.humaninterest.com/v1/graphql
  properties:
  - type: GraphQL
    url: https://api.humaninterest.com/v1/graphql
  - type: Documentation
    url: https://docs.humaninterest.com/
  - type: APIReference
    url: https://docs.humaninterest.com/docs/getting-started/introduction
  - type: GettingStarted
    url: https://docs.humaninterest.com/docs/getting-started/quickstart
  - type: Authentication
    url: authentication/human-interest-authentication.yml
  - type: Webhooks
    url: asyncapi/human-interest-webhooks.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Plans
  url: plans/human-interest-plans-pricing.yml
- type: Website
  url: https://humaninterest.com
- type: DeveloperPortal
  url: https://docs.humaninterest.com/
- type: Documentation
  url: https://docs.humaninterest.com/
- type: Pricing
  url: https://humaninterest.com/pricing/
- type: SignUp
  url: https://humaninterest.com/signup
- type: Login
  url: https://app.humaninterest.com
- type: Support
  url: https://humaninterest.com/support
- type: Blog
  url: https://humaninterest.com/blog
- type: TermsOfService
  url: https://humaninterest.com/legal/
- type: PrivacyPolicy
  url: https://humaninterest.com/privacy-policy/
- type: Authentication
  url: authentication/human-interest-authentication.yml
- type: Conventions
  url: conventions/human-interest-conventions.yml
- type: Conformance
  url: conformance/human-interest-conformance.yml
- type: Compliance
  url: https://security.humaninterest.com/
- type: Lifecycle
  url: lifecycle/human-interest-lifecycle.yml
- type: Webhooks
  url: asyncapi/human-interest-webhooks.yml
- type: TrustCenter
  url: security/human-interest-trust-center.yml
- type: VulnerabilityDisclosure
  url: security/human-interest-vulnerability-disclosure.yml
- type: Security
  url: security/human-interest-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/human-interest-domain-security.yml
- type: LLMsTxt
  url: llms/human-interest-llms.txt
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Human Interest API — frequently asked questions

Does Human Interest have an API?

Yes. APIs.io lists 1 API from Human Interest, including Human Interest GraphQL API.

How do I authenticate with the Human Interest API?

Human Interest uses bearer-token authentication (oauth2/openIdConnect · 2 schemes). The details are profiled on APIs.io as Human Interest Authentication.

How much does the Human Interest API cost?

APIs.io lists 3 pricing plans for Human Interest, with each plan's price, limits and inclusions under Pricing Plans on this page.

Is the Human Interest API ready for AI agents?

Human Interest has a Kin Score of 54.8 out of 100 (strong) and an Agent Readiness score of 19.8 (agent-aware), scored by API Evangelist on 2026-10-31.

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