Lightyear

Lightyear is a European retail investing platform founded by former Wise (TransferWise) employees Martin Sokk and Mihkel Aamer, offering commission-light access to roughly 6,000 stocks, ETFs, money market funds, bonds and crypto, plus interest-bearing cash "Vaults" managed with BlackRock and J.P. Morgan money market funds. The service runs through mobile apps (iOS and Android) and a web app, with a separate Lightyear for Business offering. Lightyear UK Ltd is authorised by the UK Financial Conduct Authority (FRN 987226) and Lightyear Europe AS is regulated by the Estonian Financial Supervision Authority, with operations in London and Tallinn. Lightyear does not publish a public developer API or developer portal; its api.lightyear.com host serves the first-party apps and publishes an RFC 8414 OAuth 2.0 authorization server metadata document for an internal MCP scope.

Lightyear is profiled on the APIs.io network. Tagged areas include Company, Financial Services, Investing, Brokerage, and Stocks.

Lightyear’s developer surface includes pricing, signup flow, engineering blog, support, authentication, changelog, and 22 more developer resources.

🌐 Visit website 📡 Source on GitHub
34.2/100 thin ▬ flat Agent 14/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
0 APIs
CompanyFinancial ServicesInvestingBrokerageStocksETFsFintechWealth ManagementEurope

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 34.2/100 · thin
Contract Quality 0.0 / 25
Developer Ergonomics 3.5 / 20
Commercial Clarity 10.5 / 20
Operational Transparency 4.1 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Agent readiness — 14/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 10 / 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 4 / 4
Consent & Bot Identity 0 / 3
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/lightyear: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Security Posture 2

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

Lightyear Authentication

oauth2 · 1 scheme

SECURITY

Lightyear Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Lightyear Scopes

1 scope · authorizationCode

1 scopes

SCOPES

Resources

Get Started 2

Portal, sign-up, and the first successful call

SignUp
SignUp
 Login
Login

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown
WellKnown
 LLMsTxt
LLMsTxt

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Lifecycle
Lifecycle
 Conformance
Conformance

Access & Security 5

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Disclosures
Disclosures
 Authentication
Authentication
 OAuthScopes
OAuthScopes
 Compliance
Compliance

Operate 5

Status, limits, changes, and where to get help

Support
Support
 HelpCenter
HelpCenter
 StatusPage
StatusPage
 ChangeLog
ChangeLog
 ChangeLog
ChangeLog

Commercial 3

Pricing, plans, and the legal terms of use

Pricing
Pricing
 TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 5

The organization behind the API

Website
Website
 About
About
 Blog
Blog
 Careers
Careers
 Twitter
Twitter

Other 4

Properties that don't map to a standard resource type

CookiePolicy
CookiePolicy
 Accessibility
Accessibility
 iOSApp
iOSApp
 AndroidApp
AndroidApp

Source (apis.yml)

apis.yml Raw ↑ 
aid: lightyear
name: Lightyear
description: Lightyear is a European retail investing platform founded by former Wise (TransferWise) employees Martin Sokk
  and Mihkel Aamer, offering commission-light access to roughly 6,000 stocks, ETFs, money market funds, bonds and crypto,
  plus interest-bearing cash "Vaults" managed with BlackRock and J.P. Morgan money market funds. The service runs through
  mobile apps (iOS and Android) and a web app, with a separate Lightyear for Business offering. Lightyear UK Ltd is authorised
  by the UK Financial Conduct Authority (FRN 987226) and Lightyear Europe AS is regulated by the Estonian Financial Supervision
  Authority, with operations in London and Tallinn. Lightyear does not publish a public developer API or developer portal;
  its api.lightyear.com host serves the first-party apps and publishes an RFC 8414 OAuth 2.0 authorization server metadata
  document for an internal MCP scope.
url: https://raw.githubusercontent.com/api-evangelist/lightyear/refs/heads/main/apis.yml
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://lightyear.com/cms/OG_Default_EN_7a4714f5fe.png
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
- lightspeed-venture-partners
x-identity-note: The originating VC-portfolio stub carried https://lightyear.io, which does not resolve to a Lightyear property
  (parked on Netlify, certificate mismatch, HTTP 404 as of 2026-07-19). The company was re-identified as Lightyear (lightyear.com,
  formerly golightyear.com — the Android package is still com.golightyear.mobile), whose /en-eu/about page names Lightspeed
  Venture Partners (Nicole Quinn) as an investor, matching the portfolio signal.
x-tier: profiled
x-tier-reason: no-public-api
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-19'
tags:
- Company
- Financial Services
- Investing
- Brokerage
- Stocks
- ETFs
- Fintech
- Wealth Management
- Europe
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/lightyear-domain-security.yml
- type: Website
  url: https://lightyear.com
- type: About
  url: https://lightyear.com/en-eu/about
- type: Pricing
  url: https://lightyear.com/en-eu/pricing
- type: SignUp
  url: https://lightyear.com/en-eu/signup
- type: Login
  url: https://lightyear.com/en-eu/login
- type: Blog
  url: https://lightyear.com/en-eu/blog
- type: Support
  url: https://lightyear.com/en-eu/help
- type: HelpCenter
  url: https://lightyear.com/en-eu/help
- type: TermsOfService
  url: https://lightyear.com/en-eu/terms
- type: PrivacyPolicy
  url: https://lightyear.com/en-eu/privacy
- type: CookiePolicy
  url: https://lightyear.com/en-eu/cookie-policy
- type: Disclosures
  url: https://lightyear.com/en-eu/disclosures
- type: Accessibility
  url: https://lightyear.com/en-eu/accessibility-statement
- type: StatusPage
  url: https://status.lightyear.com/
- type: Careers
  url: https://careers.lightyear.com/
- type: Twitter
  url: https://twitter.com/go_lightyear
- type: iOSApp
  url: https://apps.apple.com/gb/app/lightyear-investing/id1562105616
- type: AndroidApp
  url: https://play.google.com/store/apps/details?id=com.golightyear.mobile
- type: WellKnown
  url: well-known/lightyear-well-known.yml
- type: Authentication
  url: authentication/lightyear-authentication.yml
- type: OAuthScopes
  url: scopes/lightyear-scopes.yml
- type: Lifecycle
  url: lifecycle/lightyear-lifecycle.yml
- type: ChangeLog
  url: https://lightyear.com/en-eu/blog/product-updates
- type: ChangeLog
  url: changelog/lightyear-changelog.yml
- type: Conformance
  url: conformance/lightyear-conformance.yml
- type: Compliance
  url: https://lightyear.com/en-eu/disclosures
- type: LLMsTxt
  url: llms/lightyear-llms.txt
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence