Klutch

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.
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: '0.20'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- 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
  - 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