# Lively

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

Lively is a fintech-healthtech company that provides modern, cloud-based Health Savings Accounts (HSA) alongside Flexible Spending Accounts (FSA), Health Reimbursement Arrangements (HRA), COBRA, and commuter benefits for individuals, families, employers, benefits administrators, and third-party administrators. Lively pairs interest-bearing and investment-enabled HSAs (via a Schwab Health Savings Brokerage Account and a guided HSA portfolio) with an employer dashboard for contributions and administration, positioning itself around transparent, zero-hidden-fee pricing. Backed by Costanoa Ventures and GGV Capital, Lively integrates with benefit administration platforms and third-party administrators but does not currently publish a public developer API or developer portal; integration is handled through its sales and partnerships channels. This profile was surfaced as a VC-portfolio lead and enriched by the API Evangelist pipeline from Lively's public web surface.

## Kin Score — 17.7 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+1.1 from 16.6).

| Facet | Score |
|---|---|
| Discoverability | 61.1 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 5.3 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 39.5 |
| Access Clarity | 39.5 |

Regulatory layer — **Insurance**: 37.9 (matched via tags).

## Agent readiness — 2.6 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| 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 | yes |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (2)

- **Lively Domain Security** — TLSv1.3 · HSTS · DMARC
- **Lively Vulnerability Disclosure** — security.txt · contact published

## Tags

Company, Fintech, Health Tech, Health Savings Account, HSA, FSA, Employee Benefits, Financial-Services, Insurance

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