Luminary

Luminary is AI-powered estate planning software for wealth advisors, family offices, attorneys, and professional services firms. It turns static estate planning documents into organized, digital records — with AI document digitization and summarization, dynamic estate flowcharts and waterfalls, scenario modeling, and role-based collaboration. Its public REST API (v1) exposes households, individuals, entities, documents, AI document summaries, and entity valuations so estate data can sync with CRMs, client portals, and planning tools. First-party TypeScript and Go SDKs are published on GitHub. OAuth2-secured (authorizationCode + clientCredentials) and SOC 2 Type II audited. Backed by 8vc.

Luminary publishes 6 API contracts indexed on the APIs.io network, including Documents API, Entities API, Households API, and 3 more. Tagged areas include Company, Estate Planning, Wealth Management, Financial Services, and Legal Tech.

The Luminary catalog on APIs.io includes 1 Spectral governance ruleset.

Luminary’s developer surface includes engineering blog, pricing, support, authentication, and 23 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

48.5/100 developing ▬ flat Agent 31/100 agent ready Front door AI 5/6 prominent Heartbeat 49/100 slowing saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessEnterpriseSelf serve

1 published contract 3 Agent Skills

Company Estate Planning Wealth Management Financial Services Legal Tech Document AI Family Office OAuth Authentication

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 48.5/100 · developing

Contract Quality 9.2 / 19

Developer Ergonomics 4.2 / 15

Access Clarity 11.3 / 15

Operational Transparency 0.3 / 10

Contract Governance 1.6 / 9

Discoverability 5.5 / 8

Regulatory Posture 5.9 / 15

Create-or-Update Ergonomics 2.8 / 10

Agent readiness — 31/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document

7 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Developer Ergonomics scores 28.0 — up to +14.4 composite points
Operational Transparency scores 2.6 — up to +12.7 composite points
Contract Quality scores 49.3 — up to +12.7 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/luminary/apis.yml: open an issue on github.com/api-evangelist/luminary to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Asset and Wealth Management	distribution	19.2 (thin)	-	-
RPA and Document AI (RPA marketplaces, intelligent document processing)	distribution	19.2 (thin)	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 3

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OAuth

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

OpenAPI

measured — observed by APIs.io (published)

OAuth 2.0

measured — observed by APIs.io (declared)

APIs 6

Individual APIs this provider publishes, each with its own machine-readable definition.

Luminary Documents API

The Documents API from Luminary — 8 operation(s) for documents.

Luminary Entities API

The Entities API from Luminary — 4 operation(s) for entities.

Luminary Households API

The Households API from Luminary — 5 operation(s) for households.

Luminary Individuals API

The Individuals API from Luminary — 3 operation(s) for individuals.

Luminary Users API

The Users API from Luminary — 2 operation(s) for users.

Luminary Valuations API

The Valuations API from Luminary — 1 operation(s) for valuations.

Open Collections 6

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

Luminary Documents API

OPEN COLLECTION

Luminary Documents Entities API

OPEN COLLECTION

Luminary Documents Households API

OPEN COLLECTION

Luminary Documents Individuals API

OPEN COLLECTION

Luminary Documents Users API

OPEN COLLECTION

Luminary Documents Valuations API

OPEN COLLECTION

Agent Skills 3

Packaged agent skills for driving this provider's APIs from an AI assistant.

Ingest a document and retrieve its AI summary

AGENT SKILL

Value an estate entity

AGENT SKILL

Onboard an estate-planning household

AGENT SKILL

Luminary API pricing

Prices published by Luminary, read 2026-10-28 from withluminary.com/pricing.

Plan	Price
Custom proposal	Contact sales

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

Luminary Plans Pricing

1 plans

PLANS

Service Levels 1

Uptime the provider promises or reports, as SLA4OAI. Read from its own pages; APIs.io runs no monitors.

Luminary

SLA

FinOps 1

Cost, billing, and metering signals for API financial operations.

Luminary Finops

FINOPS

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Luminary API Rules

60 rules · 54 errors 4 warnings 2 info

SPECTRAL

OpenAPI Overlays 1

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Luminary Openapi Overlay

2 actions · update · luminary-openapi-original.yml

DERIVED

Security Posture 3

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

Luminary Authentication

oauth2 · 1 scheme

SECURITY

Luminary Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Luminary Trust Center

SOC 2

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Luminary Scopes

4 scopes · authorizationCode/clientCredentials

4 scopes

SCOPES

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Luminary Agentic Access

31 operations · 12 acting

AGENTIC

Resources

Get Started 1

Portal, sign-up, and the first successful call

Login

Agent Surfaces 5

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

X-MCPServerCandidate

LLMsTxt

AgenticAccess

AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conformance

ErrorCatalog

Lifecycle

Conventions

DataModel

Build 3

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

SDKs

SDKs

Access & Security 5

Authentication, authorization, and security posture

Compliance

TrustCenter

DomainSecurity

Authentication

OAuthScopes

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 4

Pricing, plans, and the legal terms of use

Plans

Pricing

TermsOfService

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Overlay

Overlay

Source (apis.yml)

aid: luminary
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: enterprise
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Enterprise · Self-serve signup
  confidence: high
  source:
  - plans
  - authentication
  - scopes
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/luminary.png
name: Luminary
description: Luminary is AI-powered estate planning software for wealth advisors, family offices, attorneys, and professional
  services firms. It turns static estate planning documents into organized, digital records — with AI document digitization
  and summarization, dynamic estate flowcharts and waterfalls, scenario modeling, and role-based collaboration. Its public
  REST API (v1) exposes households, individuals, entities, documents, AI document summaries, and entity valuations so estate
  data can sync with CRMs, client portals, and planning tools. First-party TypeScript and Go SDKs are published on GitHub.
  OAuth2-secured (authorizationCode + clientCredentials) and SOC 2 Type II audited. Backed by 8vc.
url: https://raw.githubusercontent.com/api-evangelist/luminary/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- 8vc
x-tier: active
x-tier-reason: public-api-found
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Estate Planning
- Wealth Management
- Financial Services
- Legal Tech
- Document AI
- Family Office
- OAuth
- Authentication
tags_raw:
- Company
- Estate Planning
- Wealth Management
- Financial Services
- Legal Tech
- Document AI
- Family Office
- OAuth2
- Financial-Services
- Authentication
apis:
- aid: luminary:luminary-documents-api
  name: Luminary Documents API
  description: The Documents API from Luminary — 8 operation(s) for documents.
  humanURL: https://withluminary.com/integrations
  baseURL: https://lum.withluminary.com/api/public/v1
  tags:
  - Documents
  properties:
  - type: OpenAPI
    url: openapi/luminary-documents-api-openapi.yml
- aid: luminary:luminary-entities-api
  name: Luminary Entities API
  description: The Entities API from Luminary — 4 operation(s) for entities.
  humanURL: https://withluminary.com/integrations
  baseURL: https://lum.withluminary.com/api/public/v1
  tags:
  - Entities
  properties:
  - type: OpenAPI
    url: openapi/luminary-entities-api-openapi.yml
- aid: luminary:luminary-households-api
  name: Luminary Households API
  description: The Households API from Luminary — 5 operation(s) for households.
  humanURL: https://withluminary.com/integrations
  baseURL: https://lum.withluminary.com/api/public/v1
  tags:
  - Households
  properties:
  - type: OpenAPI
    url: openapi/luminary-households-api-openapi.yml
- aid: luminary:luminary-individuals-api
  name: Luminary Individuals API
  description: The Individuals API from Luminary — 3 operation(s) for individuals.
  humanURL: https://withluminary.com/integrations
  baseURL: https://lum.withluminary.com/api/public/v1
  tags:
  - Individuals
  properties:
  - type: OpenAPI
    url: openapi/luminary-individuals-api-openapi.yml
- aid: luminary:luminary-users-api
  name: Luminary Users API
  description: The Users API from Luminary — 2 operation(s) for users.
  humanURL: https://withluminary.com/integrations
  baseURL: https://lum.withluminary.com/api/public/v1
  tags:
  - User
  tags_raw:
  - Users
  properties:
  - type: OpenAPI
    url: openapi/luminary-users-api-openapi.yml
- aid: luminary:luminary-valuations-api
  name: Luminary Valuations API
  description: The Valuations API from Luminary — 1 operation(s) for valuations.
  humanURL: https://withluminary.com/integrations
  baseURL: https://lum.withluminary.com/api/public/v1
  tags:
  - Valuation
  tags_raw:
  - Valuations
  properties:
  - type: OpenAPI
    url: openapi/luminary-valuations-api-openapi.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Plans
  url: plans/luminary-plans-pricing.yml
- type: Overlay
  url: overlays/luminary-openapi-overlay.yaml
- type: Website
  url: https://withluminary.com
- type: GitHubOrganization
  url: https://github.com/withluminary
- type: Blog
  url: https://withluminary.com/resources
- type: Pricing
  url: https://withluminary.com/pricing
- type: Login
  url: https://app.withluminary.com
- type: Support
  url: https://withluminary.com/contact
- type: TermsOfService
  url: https://withluminary.com/terms
- type: PrivacyPolicy
  url: https://withluminary.com/privacy
- type: Compliance
  url: https://withluminary.com/security
- type: TrustCenter
  url: security/luminary-trust-center.yml
- type: DomainSecurity
  url: security/luminary-domain-security.yml
- type: Authentication
  url: authentication/luminary-authentication.yml
- type: OAuthScopes
  url: scopes/luminary-scopes.yml
- type: WellKnown
  url: well-known/luminary-well-known.yml
- type: Packages
  url: packages/luminary-packages.yml
- type: SDKs
  url: packages/luminary-packages.yml
- type: X-MCPServerCandidate
  url: mcp/luminary-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: LLMsTxt
  url: llms/luminary-llms.txt
- type: Conformance
  url: conformance/luminary-conformance.yml
- type: ErrorCatalog
  url: errors/luminary-problem-types.yml
- type: Lifecycle
  url: lifecycle/luminary-lifecycle.yml
- type: Conventions
  url: conventions/luminary-conventions.yml
- type: DataModel
  url: data-model/luminary-data-model.yml
- type: AgenticAccess
  url: agentic-access/luminary-agentic-access.yml
- type: AgentSkill
  url: skills/_index.yml
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 22
  pass: local-v1

Luminary API — frequently asked questions

Does Luminary have an API?

Yes. APIs.io lists 6 APIs from Luminary, including Luminary Documents API, Luminary Entities API and Luminary Households API, and 3 more.

Is there an OpenAPI specification for the Luminary API?

Yes. APIs.io indexes 6 OpenAPI specifications for Luminary, each linked for download from this page.

How do I authenticate with the Luminary API?

Luminary documents its authentication (oauth2 · 1 scheme). The details are profiled on APIs.io as Luminary Authentication.

How much does the Luminary API cost?

APIs.io lists 1 pricing plan for Luminary, with each plan's price, limits and inclusions under Pricing on this page.

Is the Luminary API ready for AI agents?

Luminary has a Kin Score of 48.5 out of 100 (developing) and an Agent Readiness score of 31.1 (agent-ready), scored by API Evangelist on 2026-11-06.

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