# Mos

**Canonical:** https://apis.io/providers/mos/  
**Website:** https://mos.com/  
**APIs profiled:** 0

Mos is a consumer fintech that helps students find and win money for college. Founded in 2017 by Tunisian human-rights activist Amira Yahyaoui and backed by Sequoia Capital, Lux Capital and Expa, the company began as a financial-aid application service — FAFSA filing plus human advisor support — then added a fee-free student checking account and debit card in 2021. Mos shut the banking product down and cut staff in 2023 after press and investor scrutiny of its account metrics, refocusing on its original financial-aid business. The live product at mos.com is a scholarship-matching app: students swipe through awards drawn from a database the company describes as $160 billion in available funding, with college financial-planning tools and access to a personal advisor. Sequoia's own company page records Mos as acquired in 2025; the acquirer is not disclosed. Mos ships only an end-user consumer app — it publishes no developer portal, API documentation, SDK or machine-readable contract of any kind.

## Kin Score — 9.0 / 100 (minimal)

Scored 2026-09-02 under rubric 0.18.0. Trend: flat (+0.0 from 9.0).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 0.0 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

Regulatory layer — **Education & Research**: 25.9 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Mos Domain Security** — TLSv1.3 · DMARC

## Tags

Company, Education, Higher Education, Financial Aid, Scholarships, Student Finance, Fintech, Consumer Finance

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