# M1 Finance

**Canonical:** https://apis.io/providers/m1-finance/  
**Website:** https://m1.com/  
**APIs profiled:** 3

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.

## Kin Score — 26.6 / 100 (thin)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 26.6).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 38.9 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 21.1 |
| Developer Ergonomics | 11.9 |
| Commercial Clarity | 39.5 |
| Access Clarity | 39.5 |

Regulatory layer — **Banking & Open Finance**: 7.6 (matched via tags).

## Agent readiness — 18.4 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Paid — onboarding: unknown, pricing: paid, trial: no (confidence: medium).

## APIs (3)

- **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,...

## Security (1)

- **M1 Finance Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Plans (1)

- **M1 Finance Plans Pricing**

## Tags

Investing, Fintech, Fractional Shares, Portfolio-Management, Robo-Advisor, Margin Loans, Banking, Automated Investing, Finance Super App, Wealth Management

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/m1-finance/). Scores are computed from the provider's own public artifacts under a published rubric.