# Klutch

**Canonical:** https://apis.io/providers/klutch/  
**Website:** https://klutchcard.com  
**APIs profiled:** 1

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.

## Kin Score — 45.4 / 100 (developing)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (-1.1 from 46.5).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 42.7 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 76.8 |
| Commercial Clarity | 32.9 |
| Access Clarity | 32.9 |

Regulatory layer — **Payments**: 54.7 (matched via tags).

## Agent readiness — 44.1 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | verified |
| Auth Clarity | served |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | verified |
| Dynamic Client Registration | yes |
| Agentic Commerce | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **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)

- **Klutch MCP Server**

## Security (2)

- **Klutch Authentication** — http/oauth2 · 4 schemes
- **Klutch Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/klutch/). Scores are computed from the provider's own public artifacts under a published rubric.