M1 Finance

M1 Finance is an automated investing platform offering fractional share portfolio management, smart money movement, margin borrowing, and integrated banking and credit features. The platform combines self-directed and automated investing through its Pies system, commission-free trading, a portfolio line of credit (M1 Borrow), high-yield cash accounts (M1 Earn), and a rewards credit card. M1 uses a GraphQL API gateway internally across 17+ microservices built on Scala and TypeScript to power its Finance Super App experience.

M1 Finance publishes 3 APIs on the APIs.io network. Tagged areas include Investing, Fintech, Fractional Shares, Portfolio Management, and Robo-Advisor.

M1 Finance’s developer surface includes documentation, engineering blog, pricing, and 9 more developer resources.

🌐 Visit website 📡 Source on GitHub

27.5/100 emerging ▲ 6.2 Agent 19/100 agent aware Full breakdown ↓
scored 2026-07-28 · rubric v0.6

AccessPaid

3 APIs

InvestingFintechFractional SharesPortfolio ManagementRobo-AdvisorMargin LoansBankingAutomated InvestingFinance Super AppWealth Management

Kin Score

Kin Score How this is scored →
scored 2026-07-28 · rubric v0.6

Composite quality — 27.5/100 · emerging

Contract Quality 10.8 / 25

Developer Ergonomics 2.2 / 20

Commercial Clarity 7.9 / 20

Operational Transparency 2.7 / 13

Governance 0.0 / 12

Discoverability 7.4 / 10

Agent readiness — 19/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

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/m1-finance: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 3

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

GraphQL 1

GraphQL schemas published by this provider.

Rate Limits 1

Documented rate limits and quota policies.

M1 Finance Rate Limits

0 limits

RATE LIMITS

FinOps 1

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

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrg

GitHubOrg

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

StatusPage

StatusPage

RateLimits

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Other 1

Properties that don't map to a standard resource type

Source (apis.yml)

aid: m1-finance
name: M1 Finance
description: 'M1 Finance is an automated investing platform offering fractional share portfolio management, smart money movement,
  margin borrowing, and integrated banking and credit features. The platform combines self-directed and automated investing
  through its Pies system, commission-free trading, a portfolio line of credit (M1 Borrow), high-yield cash accounts (M1 Earn),
  and a rewards credit card. M1 uses a GraphQL API gateway internally across 17+ microservices built on Scala and TypeScript
  to power its Finance Super App experience.

  '
type: Index
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: medium
  source:
  - plans
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/m1-finance.png
url: https://raw.githubusercontent.com/api-evangelist/m1-finance/refs/heads/main/apis.yml
created: 2026-06-13
modified: 2026-06-13
specificationVersion: '0.19'
tags:
- Investing
- Fintech
- Fractional Shares
- Portfolio Management
- Robo-Advisor
- Margin Loans
- Banking
- Automated Investing
- Finance Super App
- Wealth Management
apis:
- aid: m1-finance:m1-invest
  name: M1 Invest
  description: 'M1 Invest provides automated fractional share portfolio management using the Pies system, allowing users to
    set target allocations across stocks and ETFs with dynamic rebalancing, auto-invest, and dividend reinvestment—all commission-free.

    '
  humanURL: https://m1.com/invest/
  baseURL: https://m1.com/
  tags:
  - Investing
  - Fractional Shares
  - Portfolio Management
  - Automated Investing
  - Rebalancing
  properties:
  - type: Documentation
    url: https://help.m1.com/en/articles/9332042-getting-started-with-m1-invest-a-quick-guide
  - type: Plans
    url: https://raw.githubusercontent.com/api-evangelist/m1-finance/refs/heads/main/plans/m1-finance-plans-pricing.yml
  - type: RateLimits
    url: https://raw.githubusercontent.com/api-evangelist/m1-finance/refs/heads/main/rate-limits/m1-finance-rate-limits.yml
  - type: FinOps
    url: https://raw.githubusercontent.com/api-evangelist/m1-finance/refs/heads/main/finops/m1-finance-finops.yml
  - url: graphql/m1-finance-graphql.md
    type: GraphQL
- aid: m1-finance:m1-borrow
  name: M1 Borrow
  description: 'M1 Borrow provides a portfolio line of credit (margin loans) allowing users to borrow up to 50% of their eligible
    brokerage portfolio value at a competitive variable rate that tracks the Federal Funds Rate. Available for individual,
    joint, and trust accounts with a minimum $2,000 balance.

    '
  humanURL: https://m1.com/borrow/
  baseURL: https://m1.com/
  tags:
  - Margin Loans
  - Borrowing
  - Portfolio Line of Credit
  - Credit
  properties:
  - type: Documentation
    url: https://help.m1.com/hc/en-us/sections/360000272627-M1-Borrow
  - type: Plans
    url: https://raw.githubusercontent.com/api-evangelist/m1-finance/refs/heads/main/plans/m1-finance-plans-pricing.yml
  - type: RateLimits
    url: https://raw.githubusercontent.com/api-evangelist/m1-finance/refs/heads/main/rate-limits/m1-finance-rate-limits.yml
  - type: FinOps
    url: https://raw.githubusercontent.com/api-evangelist/m1-finance/refs/heads/main/finops/m1-finance-finops.yml
- aid: m1-finance:m1-earn
  name: M1 Earn
  description: 'M1 Earn offers high-yield cash accounts for individuals and joint account holders with 3.10% APY and FDIC
    insurance coverage up to $4.75 million aggregate through program banks, providing a secure, high-return place to hold
    cash on the platform.

    '
  humanURL: https://m1.com/earn/
  baseURL: https://m1.com/
  tags:
  - Banking
  - High-Yield Savings
  - Cash Management
  - FDIC
  properties:
  - type: Documentation
    url: https://help.m1.com/
  - type: Plans
    url: https://raw.githubusercontent.com/api-evangelist/m1-finance/refs/heads/main/plans/m1-finance-plans-pricing.yml
  - type: FinOps
    url: https://raw.githubusercontent.com/api-evangelist/m1-finance/refs/heads/main/finops/m1-finance-finops.yml
common:
- type: DomainSecurity
  url: security/m1-finance-domain-security.yml
- type: Website
  url: https://m1.com/
- type: Documentation
  url: https://help.m1.com/
- type: GitHubOrg
  url: https://github.com/m1finance
- type: LinkedIn
  url: https://www.linkedin.com/company/m1-finance
- type: Blog
  url: https://m1.com/blog/
- type: Pricing
  url: https://m1.com/
- type: StatusPage
  url: https://status.m1.com/
- type: X
  url: https://x.com/m1finance
- type: Plans
  url: plans/m1-finance-plans-pricing.yml
- type: RateLimits
  url: rate-limits/m1-finance-rate-limits.yml
- type: FinOps
  url: finops/m1-finance-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

M1 Finance

Kin Score

APIs 3

M1 Invest

M1 Borrow

M1 Earn

GraphQL 1

M1 Finance GraphQL API

Pricing Plans 1

M1 Finance Plans Pricing