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 publishes 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 📡 Source on GitHub

45.2/100 developing ▬ flat Agent 44/100 agent ready Front door AI 4/6 moderate saas Full breakdown ↓
scored 2026-09-19 · rubric v0.22.0

AccessSelf serve

1 APIs 1 MCP Servers

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 2026-09-19 · rubric v0.22.0

Composite quality — 45.2/100 · developing

Contract Quality 8.8 / 21

Developer Ergonomics 13.1 / 17

Access Clarity 5.6 / 17

Operational Transparency 1.2 / 11

Contract Governance 0.5 / 10

Discoverability 6.5 / 9

Regulatory Posture 8.2 / 15

Agent readiness — 44/100 · 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

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/.

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 github.com/api-evangelist/klutch: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

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

MCP SERVER

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
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

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