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 is listed with 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 📡 Profile data on GitHub

21.0/100 emerging ▬ flat Agent 16/100 agent aware Front door AI 1/6 silent Heartbeat 50/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

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 2026-11-06 · rubric v0.27.0

Composite quality — 21.0/100 · emerging

Contract Quality 7.5 / 21

Developer Ergonomics 2.0 / 17

Access Clarity 2.7 / 17

Operational Transparency 2.3 / 11

Contract Governance 0.0 / 10

Discoverability 5.3 / 9

Regulatory Posture 0.7 / 15

Agent readiness — 16/100 · 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

Delegated User Identity 0 / 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 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.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/.

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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
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
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)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

11 more unmet checks in the Agent Readiness table above.

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

Developer Ergonomics scores 11.9 — up to +17.6 composite points
Access Clarity scores 15.8 — up to +16.8 composite points
Contract Quality scores 35.1 — up to +16.2 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/m1-finance/apis.yml: open an issue on github.com/api-evangelist/m1-finance 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
Private Markets and Fund Administration (ILPA, broker-dealer registration, options market-data vendors)	regulated	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.

APIs 3

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

M1 Invest

M1 Invest provides automated fractional share portfolio management using the Pies system, allowing users to set target allocations across stocks and ETFs with dynamic rebalancin...

M1 Borrow

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 t...

M1 Earn

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,...

GraphQL 1

GraphQL schemas published by this provider.

M1 Finance GraphQL API

M1 Finance is a Finance Super App that uses a GraphQL API gateway internally across 17+ microservices built on Scala and TypeScript. The platform does not expose a public or par...

GRAPHQL

M1 Finance API pricing

Not yet checked against M1 Finance's own pricing page. Compiled by API Evangelist on 2026-06-13; confirm before you rely on a figure.

Plan	Price
Standard	—

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

M1 Finance Plans Pricing

1 plans

PLANS

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.

M1 Finance Finops

FINOPS

Security Posture 1

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

M1 Finance Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

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
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: low
  source:
  - plans
  - security
  generated: '2026-11-06'
  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
- Portfolio-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/
  tags:
  - Investing
  - Fractional Shares
  - Portfolio Management
  - Automated Investing
  - Rebalancing
  tags_raw:
  - Investing
  - Fractional Shares
  - Portfolio Management
  - Automated Investing
  - Rebalancing
  - Portfolio-Management
  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/
  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/
  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 API — frequently asked questions

Does M1 Finance have an API?

Yes. APIs.io lists 3 APIs from M1 Finance, including M1 Invest, M1 Borrow and M1 Earn.

How much does the M1 Finance API cost?

APIs.io lists 1 pricing plan for M1 Finance, with each plan's price, limits and inclusions under Pricing on this page.

Is the M1 Finance API ready for AI agents?

M1 Finance has a Kin Score of 21.0 out of 100 (emerging) and an Agent Readiness score of 15.5 (agent-aware), scored by API Evangelist on 2026-11-06.

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