Karat.io

Karat (trykarat.com) is a fintech platform providing integrated business banking and financial tools built for entrepreneurs, content creators, agencies, and small businesses managing irregular income. Its product suite spans FDIC-insured business checking accounts with high APY, the Karat Card and Karat Max charge/credit cards with rewards and no annual fees, mass and international contractor payments, AI-powered bookkeeping with automatic transaction categorization, invoicing, and multi-entity team management. Surfaced as a portfolio company of ggv-capital and added to the API Evangelist network for enrichment; as of this pass Karat publishes a consumer web and mobile app but no public developer program, API documentation, or developer portal.

Karat.io is profiled on the APIs.io network. Tagged areas include Company, Fintech, Business Banking, Payments, and Bookkeeping.

Karat.io’s developer surface includes support, signup flow, and 5 more developer resources.

🌐 Visit website 📡 Source on GitHub

11.2/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-21 · rubric v0.12.0

0 APIs

Company Fintech Business Banking Payments Bookkeeping Creator Economy Small Business

Kin Score

Kin Score How this is scored →
scored 2026-08-21 · rubric v0.12.0

Composite quality — 11.2/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 0.8 / 17

Access Clarity 5.8 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.3 / 9

Regulatory Posture 3.3 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 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

Regulatory Posture applies to this provider. Its tags matched the Payments 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.

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/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/karatio: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Get Started 2

Portal, sign-up, and the first successful call

SignUp

SignUp

Login

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 1

The organization behind the API

Website

Website

Source (apis.yml)

aid: karatio
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/karatio.png
name: Karat.io
description: Karat (trykarat.com) is a fintech platform providing integrated business banking and financial tools built for
  entrepreneurs, content creators, agencies, and small businesses managing irregular income. Its product suite spans FDIC-insured
  business checking accounts with high APY, the Karat Card and Karat Max charge/credit cards with rewards and no annual fees,
  mass and international contractor payments, AI-powered bookkeeping with automatic transaction categorization, invoicing,
  and multi-entity team management. Surfaced as a portfolio company of ggv-capital and added to the API Evangelist network
  for enrichment; as of this pass Karat publishes a consumer web and mobile app but no public developer program, API documentation,
  or developer portal.
url: https://raw.githubusercontent.com/api-evangelist/karatio/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- ggv-capital
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Fintech
- Business Banking
- Payments
- Bookkeeping
- Creator Economy
- Small Business
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.trykarat.com/
- type: Support
  url: https://help.trykarat.com
- type: SignUp
  url: https://app.trykarat.com/signup
- type: Login
  url: https://app.trykarat.com/signin
- type: TermsOfService
  url: https://www.trykarat.com/legal
- type: PrivacyPolicy
  url: https://www.trykarat.com/legal
- type: DomainSecurity
  url: security/karatio-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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