# Lightyear

**Canonical:** https://apis.io/providers/lightyear/  
**Website:** https://lightyear.com  
**APIs profiled:** 0

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.

## Kin Score — 32.2 / 100 (thin)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 32.2).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 31.6 |
| Developer Ergonomics | 19.0 |
| Commercial Clarity | 52.6 |
| Access Clarity | 52.6 |

Regulatory layer — **Securities & Market Data**: 66.7 (matched via tags).

## Agent readiness — 12.6 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | documented |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

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

## MCP servers (1)

- **Lightyear MCP Server**

## Security (2)

- **Lightyear Authentication** — oauth2 · 1 scheme
- **Lightyear Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Company, Financial-Services, Investing, Brokerage, Stocks, ETFs, Fintech, Wealth Management, Europe

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