Klutch

Klutch (Klutch Card) is a US consumer fintech that issues an "app-powered" programmable credit card — Klutch Credit (unsecured) and Klutch Spend (collateralized prepaid) — whose behavior is extended by user-installable Mini Apps. Its public GraphQL API lets developers and Mini App builders list and group enriched card transactions (including acquirer metadata such as MCC, entry mode, terminal type and card-present flags), create and lock virtual cards, author server-side transaction rules that accumulate or decline spend by filter, day of week or time of day, read balances, initiate ACH card payments, and render Mini App panels back into the Klutch mobile experience. Klutch ships a production and a sandbox GraphQL endpoint with transaction simulation mutations, OAuth 2.1 with PKCE and dynamic client registration, transaction webhooks, a developer CLI, a first-party JavaScript SDK and Mini App component library, and a remote MCP server that lets Claude and ChatGPT operate the card in natural language.

Klutch is listed with 1 API on the APIs.io network: Public API. Tagged areas include Company, Financial Services, Fintech, Credit Cards, and Payments.

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

Klutch’s developer surface includes documentation, API reference, getting-started guide, support, engineering blog, pricing, signup flow, and 26 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

46.2/100 developing ▬ flat Agent 37/100 agent ready Front door AI 4/6 moderate saas Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

AccessSelf serve

1 API 1 MCP Servers 5 Agent Skills

Company Financial Services Fintech Credit Cards Payments Card Issuing Virtual Cards Transaction Spend Management Personal Finance GraphQL Embedded Finance Agents

Kin Score

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

Composite quality — 46.2/100 · developing

Contract Quality 8.3 / 21

Developer Ergonomics 14.5 / 17

Access Clarity 7.6 / 17

Operational Transparency 1.5 / 11

Contract Governance 0.5 / 10

Discoverability 5.5 / 9

Regulatory Posture 4.7 / 15

Agent readiness — 37/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 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 5 / 5

Registration Without a Human 6 / 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 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.

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):

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
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

5 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
Contract Governance scores 4.5 — up to +11.5 composite points
Operational Transparency scores 13.2 — up to +11.3 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/klutch/apis.yml: open an issue on github.com/api-evangelist/klutch 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
Procurement and B2B Buying (source-to-pay suites, spend management)	long-tail	12.1 (thin)	-	1
Consumer Lending Licensing (UK, US, Canada credit licence registers)	long-tail	12.1 (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.

Klutch Public API

The Klutch Public API is a GraphQL API for the Klutch programmable credit card. It exposes enriched transaction history with filtering, cursor pagination and group-by aggregatio...

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Klutch MCP Server

Remote MCP server at mcp.klutchcard.com over HTTP.

MCP SERVER

Agent Skills 5

Packaged agent skills for driving this provider's APIs from an AI assistant.

Klutch Mini App webhook handler

AGENT SKILL

Klutch pay card balance

AGENT SKILL

Klutch spend analysis

AGENT SKILL

Klutch spending controls

AGENT SKILL

Klutch virtual card issuing and control

AGENT SKILL

Event Specifications 1

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

Klutch Webhooks

ASYNCAPI

Security Posture 2

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

Klutch Authentication

http/oauth2 · 4 schemes

SECURITY

Klutch Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Klutch Scopes

4 scopes · authorizationCode

4 scopes

SCOPES

Resources

Get Started 5

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

SignUp

SignUp

Login

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

MCPServer

AgentSkill

LLMsTxt

WellKnown

Design & Contract 7

Pagination, idempotency, versioning, errors, and events

Components

Conventions

ErrorCatalog

Lifecycle

Conformance

DataModel

Webhooks

Scroll for all 7

Build 5

SDKs, sample code, and the tooling you integrate with

Postman

Postman

GitHubOrganization

Packages

SDKs

CLI

Access & Security 3

Authentication, authorization, and security posture

Authentication

Authentication

OAuthScopes

OAuthScopes

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support

Support

HelpCenter

HelpCenter

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: klutch
name: Klutch
description: Klutch (Klutch Card) is a US consumer fintech that issues an "app-powered" programmable credit card — Klutch
  Credit (unsecured) and Klutch Spend (collateralized prepaid) — whose behavior is extended by user-installable Mini Apps.
  Its public GraphQL API lets developers and Mini App builders list and group enriched card transactions (including acquirer
  metadata such as MCC, entry mode, terminal type and card-present flags), create and lock virtual cards, author server-side
  transaction rules that accumulate or decline spend by filter, day of week or time of day, read balances, initiate ACH card
  payments, and render Mini App panels back into the Klutch mobile experience. Klutch ships a production and a sandbox GraphQL
  endpoint with transaction simulation mutations, OAuth 2.1 with PKCE and dynamic client registration, transaction webhooks,
  a developer CLI, a first-party JavaScript SDK and Mini App component library, and a remote MCP server that lets Claude and
  ChatGPT operate the card in natural language.
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.prod.website-files.com/660d6194e5d7f9c60a769ac1/664dff628523869c6ec161ad_image%2B2.jpg
url: https://raw.githubusercontent.com/api-evangelist/klutch/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
- bain-capital-ventures
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Financial Services
- Fintech
- Credit Cards
- Payments
- Card Issuing
- Virtual Cards
- Transaction
- Spend Management
- Personal Finance
- GraphQL
- Embedded Finance
- Agents
tags_raw:
- Company
- Financial Services
- Fintech
- Credit Cards
- Payments
- Card Issuing
- Virtual Cards
- Transactions
- Spend Management
- Personal Finance
- GraphQL
- Embedded Finance
- Agents
- Financial-Services
apis:
- aid: klutch:klutch-public-api
  name: Klutch Public API
  description: The Klutch Public API is a GraphQL API for the Klutch programmable credit card. It exposes enriched transaction
    history with filtering, cursor pagination and group-by aggregation; user-defined transaction categories; virtual and physical
    card lifecycle (create, activate, edit, lock, unlock, cancel); server-side transaction rules (accumulating over a period,
    accumulating between dates, decline-based-on-filter, day of week, time of day); account balance and revolving loan limits;
    ACH card payments and transfer sources; and Mini App panel rendering. Authentication is a bearer session token minted
    from a developer client id and secret key, or OAuth 2.1 authorization code with PKCE for user-consented agents.
  humanURL: https://www.klutchcard.com/developer
  baseURL: https://graphql.klutchcard.com/graphql
  tags:
  - GraphQL
  - Credit Cards
  - Transaction
  - Virtual Cards
  - Spend Controls
  - Payments
  tags_raw:
  - GraphQL
  - Credit Cards
  - Transactions
  - Virtual Cards
  - Spend Controls
  - Payments
  properties:
  - type: Documentation
    url: https://api-docs.klutchcard.com/
  - type: APIReference
    url: https://api-docs.klutchcard.com/
  - type: Postman
    url: https://api-docs.klutchcard.com/
  - type: PostmanCollection
    url: postman/klutch-public-api-postman.json
  - type: GraphQL
    url: graphql/klutch-graphql-operations.yml
  - type: Sandbox
    url: https://sandbox.klutchcard.com/graphql
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://klutchcard.com
- type: DeveloperPortal
  url: https://www.klutchcard.com/developer
- type: Documentation
  url: https://api-docs.klutchcard.com/
- type: APIReference
  url: https://api-docs.klutchcard.com/
- type: GettingStarted
  url: https://www.klutchcard.com/tutorials
- type: Postman
  url: https://api-docs.klutchcard.com/
- type: Support
  url: https://help.klutchcard.com/
- type: HelpCenter
  url: https://help.klutchcard.com/en/
- type: Blog
  url: https://www.klutchcard.com/articles
- type: GitHubOrganization
  url: https://github.com/KlutchCard
- type: Pricing
  url: https://www.klutchcard.com/#pricing
- type: SignUp
  url: https://app.klutch.cards/apply/signup
- type: Login
  url: https://app.klutch.cards/login
- type: TermsOfService
  url: https://www.klutchcard.com/terms-of-service
- type: PrivacyPolicy
  url: https://www.klutchcard.com/privacy-policy
- type: Packages
  url: packages/klutch-packages.yml
- type: SDKs
  url: packages/klutch-packages.yml
- type: CLI
  url: cli/klutch-cli.yml
- type: Components
  url: components/klutch-components.yml
- type: MCPServer
  url: mcp/klutch-mcp.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/klutch-llms.txt
- type: WellKnown
  url: well-known/klutch-well-known.yml
- type: Authentication
  url: authentication/klutch-authentication.yml
- type: OAuthScopes
  url: scopes/klutch-scopes.yml
- type: Conventions
  url: conventions/klutch-conventions.yml
- type: ErrorCatalog
  url: errors/klutch-error-codes.yml
- type: Lifecycle
  url: lifecycle/klutch-lifecycle.yml
- type: Conformance
  url: conformance/klutch-conformance.yml
- type: DataModel
  url: data-model/klutch-data-model.yml
- type: Sandbox
  url: sandbox/klutch-sandbox.yml
- type: Webhooks
  url: asyncapi/klutch-webhooks.yml
- type: DomainSecurity
  url: security/klutch-domain-security.yml
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

Klutch API — frequently asked questions

Does Klutch have an API?

Yes. APIs.io lists 1 API from Klutch, including Klutch Public API.

How do I authenticate with the Klutch API?

Klutch documents its authentication (http/oauth2 · 4 schemes). The details are profiled on APIs.io as Klutch Authentication.

Does Klutch have an MCP server?

Yes. APIs.io lists 1 MCP server for Klutch: Remote MCP server at mcp.klutchcard.com over HTTP.

Is the Klutch API ready for AI agents?

Klutch has a Kin Score of 46.2 out of 100 (developing) and an Agent Readiness score of 36.7 (agent-ready), scored by API Evangelist on 2026-10-31.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

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