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

26.6/100 thin ▬ flat Agent 18/100 agent aware Full breakdown ↓
scored 2026-08-21 · rubric v0.12.0

AccessPaid

3 APIs

Investing Fintech Fractional Shares Portfolio-Management Robo-AdvisorMargin LoansBanking Automated InvestingFinance Super AppWealth Management

Kin Score

Kin Score How this is scored →
scored 2026-08-21 · rubric v0.12.0

Composite quality — 26.6/100 · thin

Contract Quality 8.3 / 21

Developer Ergonomics 2.0 / 17

Access Clarity 6.7 / 17

Operational Transparency 2.3 / 11

Contract Governance 0.0 / 10

Discoverability 6.3 / 9

Regulatory Posture 1.1 / 15

Agent readiness — 18/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

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

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance 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.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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: '0.23'
tags:
- Investing
- Fintech
- Fractional Shares
- Portfolio-Management
- Robo-Advisor
- Margin Loans
- Banking
- Automated Investing
- Finance Super App
- Wealth Management
tags_raw:
- 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
  tags_raw:
  - 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

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M1 Finance

Kin Score

APIs 3

M1 Invest

M1 Borrow

M1 Earn