Money You're Owed

Money You're Owed publishes plain-English US consumer money-recovery help — free official-route checklists (unclaimed property, airline refunds, EITC, medical bills, property tax) and one-time-purchase self-help kits such as Deposit Defender and DenialFix — and exposes its source-cited fact catalog to AI assistants through two free, anonymous, read-only agent surfaces: a remote MCP server at mcp.moneyyoureowed.com with a single answer_money_question tool, and an A2A 1.0 agent whose card is served from agent.moneyyoureowed.com. There is no REST API, SDK or developer program; the machine surface is agent-native by design.

Money You’re Owed is listed with 2 APIs on the APIs.io network. Tagged areas include Company, Consumer Finance, Consumer Rights, Money Recovery, and Legal Self-Help.

Money You’re Owed’s developer surface includes documentation, authentication, and 20 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

19.6/100 emerging ▬ flat Agent 18/100 agent aware Front door AI 1/6 silent Full breakdown ↓
scored 2026-10-31 · rubric v0.25.0 · Show this score on your site →

2 APIs 1 MCP Servers 1 Agent Skills

Company Consumer FinanceConsumer RightsMoney RecoveryLegal Self-HelpEducation Agents MCP A2A Agent-Native

Kin Score

Kin Score How this is scored →
scored 2026-10-31 · rubric v0.25.0

Composite quality — 19.6/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 3.9 / 17

Access Clarity 3.6 / 17

Operational Transparency 0.0 / 11

Contract Governance 1.9 / 10

Discoverability 5.5 / 9

Regulatory Posture 4.9 / 15

Agent readiness — 18/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 8 / 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

Regulatory Posture applies to this provider. Its tags matched the Education & Research 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):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
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)
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)
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):

Contract Quality scores 0.0 — up to +25.0 composite points
Access Clarity scores 21.1 — up to +15.8 composite points
Developer Ergonomics scores 23.2 — up to +15.4 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/moneyyoureowed-com/apis.yml: open an issue on github.com/api-evangelist/moneyyoureowed-com 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
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	1	1

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 2

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

Money You're Owed Catalog MCP Server

Free public remote Model Context Protocol server (Streamable HTTP, protocol 2025-06-18, stateless, no authentication) exposing one read-only tool, answer_money_question, which t...

Money You're Owed Catalog Agent (A2A)

A2A 1.0 agent ("Money You're Owed catalog agent", version 1.0.0) with a JSONRPC binding at https://agent.moneyyoureowed.com and one read-only skill, answer-money-questions, answ...

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Money You're Owed MCP Server

Money You're Owed publishes ONE free, anonymous, read-only remote MCP server at https://mcp.moneyyoureowed.com/mcp (Streamable HTTP, protocol 2025-06-18, serverInfo moneyyoureow...

MCP SERVER

Agent Skills 1

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

answer-money-recovery-question

AGENT SKILL

Pricing Plans 1

Published pricing tiers and plan structures.

Moneyyoureowed Com Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Moneyyoureowed Com Rate Limits

0 limits

RATE LIMITS

Security Posture 2

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

Moneyyoureowed Com Authentication

0 schemes

SECURITY

Moneyyoureowed Com Domain Security

TLSv1.3 · DNSSEC · DMARC

SECURITY

Resources

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 4

MCP servers, agent skills, and machine-readable catalogs

MCPServer

WellKnown

LLMsTxt

AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conformance

Conventions

ErrorCatalog

Lifecycle

DataModel

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Contact

Contact

RateLimits

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Plans

Plans

Company 1

The organization behind the API

Website

Website

Other 4

Properties that don't map to a standard resource type

AgentCard

AgentCard

RegulatoryPosture

RegulatoryPosture

DataSubjectRequest

DataSubjectRequest

Subprocessors

Subprocessors

Source (apis.yml)

aid: moneyyoureowed-com
name: Money You're Owed
description: 'Money You''re Owed publishes plain-English US consumer money-recovery help — free official-route checklists
  (unclaimed property, airline refunds, EITC, medical bills, property tax) and one-time-purchase self-help kits such as Deposit
  Defender and DenialFix — and exposes its source-cited fact catalog to AI assistants through two free, anonymous, read-only
  agent surfaces: a remote MCP server at mcp.moneyyoureowed.com with a single answer_money_question tool, and an A2A 1.0 agent
  whose card is served from agent.moneyyoureowed.com. There is no REST API, SDK or developer program; the machine surface
  is agent-native by design.'
url: https://raw.githubusercontent.com/api-evangelist/moneyyoureowed-com/refs/heads/main/apis.yml
x-type: company
x-source: harvest:a2a-registry
x-tier: profiled
x-tier-reason: enrichment pass 2026-09-19 (local-v3; was a2a-registry harvest stub)
specificationVersion: '0.20'
created: '2026-09-19'
modified: '2026-09-19'
tags:
- Company
- Consumer Finance
- Consumer Rights
- Money Recovery
- Legal Self-Help
- Education
- Agents
- MCP
- A2A
- Agent-Native
tags_raw:
- Company
- Consumer Finance
- Consumer Rights
- Money Recovery
- Legal Self-Help
- Education
- Agents
- MCP
- A2A
- agent-native
apis:
- aid: moneyyoureowed-com:catalog-mcp-server
  name: Money You're Owed Catalog MCP Server
  description: 'Free public remote Model Context Protocol server (Streamable HTTP, protocol 2025-06-18, stateless, no authentication)
    exposing one read-only tool, answer_money_question, which takes a plain-language consumer money-recovery question and
    returns source-cited facts plus an optional pointer to one of the operator''s self-help kits. Documented for Claude and
    Gemini custom connectors on the /connect page. Probed live 2026-09-19: initialize, tools/list and tools/call all succeed
    anonymously.'
  image: https://moneyyoureowed.com/social-card.png
  humanURL: https://moneyyoureowed.com/connect
  baseURL: https://mcp.moneyyoureowed.com/mcp
  tags:
  - MCP
  - Agent-Native
  - Consumer Finance
  - Money Recovery
  - Read Only
  tags_raw:
  - MCP
  - agent-native
  - Consumer Finance
  - Money Recovery
  - Read-only
  properties:
  - type: MCPServer
    url: mcp/moneyyoureowed-com-mcp.yml
  - type: MCPServer
    name: Live MCP endpoint (Streamable HTTP)
    url: https://mcp.moneyyoureowed.com/mcp
  - type: Documentation
    url: https://moneyyoureowed.com/connect
  - type: Authentication
    url: authentication/moneyyoureowed-com-authentication.yml
  - type: ErrorCatalog
    url: errors/moneyyoureowed-com-problem-types.yml
  - type: DataModel
    url: data-model/moneyyoureowed-com-data-model.yml
- aid: moneyyoureowed-com:catalog-a2a-agent
  name: Money You're Owed Catalog Agent (A2A)
  description: 'A2A 1.0 agent ("Money You''re Owed catalog agent", version 1.0.0) with a JSONRPC binding at https://agent.moneyyoureowed.com
    and one read-only skill, answer-money-questions, answering consumer questions about money owed (deposits, refunds, denied
    claims) with primary-sourced facts and product pointers. The agent card is served at /.well-known/agent-card.json (and
    byte-identically at the legacy /.well-known/agent.json) and grades conformant. Probed live 2026-09-19: the 1.0 method
    SendMessage answers anonymously; streaming, tasks and the pre-1.0 message/send are not implemented.'
  image: https://moneyyoureowed.com/social-card.png
  humanURL: https://moneyyoureowed.com/connect
  baseURL: https://agent.moneyyoureowed.com
  tags:
  - A2A
  - Agents
  - Agent-Native
  - Consumer Finance
  - Money Recovery
  - Read Only
  tags_raw:
  - A2A
  - Agents
  - agent-native
  - Consumer Finance
  - Money Recovery
  - Read-only
  properties:
  - type: AgentCard
    url: a2a/moneyyoureowed-com-a2a.yml
  - type: AgentCard
    name: Live agent card (provider-hosted)
    url: https://agent.moneyyoureowed.com/.well-known/agent-card.json
  - type: Authentication
    url: authentication/moneyyoureowed-com-authentication.yml
  - type: ErrorCatalog
    url: errors/moneyyoureowed-com-problem-types.yml
  - type: DataModel
    url: data-model/moneyyoureowed-com-data-model.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://moneyyoureowed.com/
- type: Documentation
  url: https://moneyyoureowed.com/connect
- type: PrivacyPolicy
  url: https://moneyyoureowed.com/privacy
- type: TermsOfService
  url: https://moneyyoureowed.com/terms
- type: Contact
  url: mailto:hello@moneyyoureowed.com
- type: MCPServer
  url: mcp/moneyyoureowed-com-mcp.yml
- type: AgentCard
  url: a2a/moneyyoureowed-com-a2a.yml
- type: WellKnown
  url: well-known/moneyyoureowed-com-well-known.yml
- type: LLMsTxt
  url: llms/moneyyoureowed-com-llms.txt
- type: AgentSkill
  url: skills/_index.yml
- type: Authentication
  url: authentication/moneyyoureowed-com-authentication.yml
- type: Conformance
  url: conformance/moneyyoureowed-com-conformance.yml
- type: Conventions
  url: conventions/moneyyoureowed-com-conventions.yml
- type: ErrorCatalog
  url: errors/moneyyoureowed-com-problem-types.yml
- type: Lifecycle
  url: lifecycle/moneyyoureowed-com-lifecycle.yml
- type: RateLimits
  url: rate-limits/moneyyoureowed-com-rate-limits.yml
- type: Plans
  url: plans/moneyyoureowed-com-plans-pricing.yml
- type: DataModel
  url: data-model/moneyyoureowed-com-data-model.yml
- type: RegulatoryPosture
  url: regulatory/moneyyoureowed-com-regulatory-posture.yml
- type: DataSubjectRequest
  url: https://moneyyoureowed.com/privacy
- type: Subprocessors
  url: https://moneyyoureowed.com/privacy
- type: DomainSecurity
  url: security/moneyyoureowed-com-domain-security.yml
image: https://moneyyoureowed.com/social-card.png
x-enrichment:
  date: '2026-09-19'
  status: enriched
  artifacts_added: 17
  pass: local-v3
x-a2a:
  verified: true
  probed: '2026-09-26'
  url: https://agent.moneyyoureowed.com/.well-known/agent-card.json
  grade: near-conformant
  protocol_version: '1.0'
  control: 404

Money You're Owed API — frequently asked questions

Does Money You're Owed have an API?

Yes. APIs.io lists 2 APIs from Money You're Owed, including Money You're Owed Catalog MCP Server and Money You're Owed Catalog Agent (A2A).

How do I authenticate with the Money You're Owed API?

Money You're Owed uses bearer-token authentication (0 schemes). The details are profiled on APIs.io as Moneyyoureowed Com Authentication.

Does Money You're Owed have an MCP server?

Yes. APIs.io lists 1 MCP server for Money You're Owed: Money You're Owed publishes ONE free, anonymous, read-only remote MCP server at https://mcp.moneyyoureowed.com/mcp (Streamable HTTP, protocol 2025-06-18, serverInfo moneyyoureowed-catalog-mcp 1.0.0).

Is the Money You're Owed API ready for AI agents?

Money You're Owed has a Kin Score of 19.6 out of 100 (emerging) and an Agent Readiness score of 18.0 (agent-aware), scored by API Evangelist on 2026-10-31.

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