Palus Finance

Palus Finance is a Y Combinator (Winter 2026) financial-advisory startup that acts as a startup's outsourced financial advisor and Registered Investment Advisor (RIA) with a fiduciary duty to its clients. Palus automatically manages a company's reserve cash and treasury, sweeping idle balances into NVCA-compliant bond portfolios built from U.S. government securities and T-Bills to optimize yield (targeting roughly a SOFR + 1% spread) while preserving safety and liquidity. It connects to a company's existing bank accounts (via Plaid) rather than requiring an account switch, sizes allocations against runway and burn rate, and can be set up in under ten minutes with no minimums or lockups. Palus is a managed, human-plus-software advisory product delivered through its web application; it does not currently publish a public developer API, SDKs, or developer documentation.

Palus Finance is profiled on the APIs.io network. Tagged areas include Company, Financial-Services, Fintech, Treasury Management, and Cash Management.

Palus Finance’s developer surface includes signup flow and 1 more developer resources.

🌐 Visit website 📡 Source on GitHub

7.6/100 minimal ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

0 APIs

Company Financial-Services Fintech Treasury Management Cash Management Wealth Management Registered Investment Advisor Startups

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 7.6/100 · minimal

Contract Quality 0.0 / 25

Developer Ergonomics 0.0 / 20

Access Clarity 2.6 / 20

Operational Transparency 0.0 / 13

Contract Governance 0.0 / 12

Discoverability 5.0 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 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 0 / 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

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.

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Resources

Get Started 1

Portal, sign-up, and the first successful call

SignUp

SignUp

Company 1

The organization behind the API

Website

Website

Source (apis.yml)

aid: palus-finance
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: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/palus-finance.png
name: Palus Finance
description: Palus Finance is a Y Combinator (Winter 2026) financial-advisory startup that acts as a startup's outsourced
  financial advisor and Registered Investment Advisor (RIA) with a fiduciary duty to its clients. Palus automatically manages
  a company's reserve cash and treasury, sweeping idle balances into NVCA-compliant bond portfolios built from U.S. government
  securities and T-Bills to optimize yield (targeting roughly a SOFR + 1% spread) while preserving safety and liquidity. It
  connects to a company's existing bank accounts (via Plaid) rather than requiring an account switch, sizes allocations against
  runway and burn rate, and can be set up in under ten minutes with no minimums or lockups. Palus is a managed, human-plus-software
  advisory product delivered through its web application; it does not currently publish a public developer API, SDKs, or developer
  documentation.
url: https://raw.githubusercontent.com/api-evangelist/palus-finance/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- y-combinator
x-tier: stub
x-tier-reason: portfolio-lead
x-founders:
- FN: Sam Lushtak
  role: CEO
- FN: Michael Gonzalez
  role: CTO
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Financial-Services
- Fintech
- Treasury Management
- Cash Management
- Wealth Management
- Registered Investment Advisor
- Startups
tags_raw:
- Company
- Financial Services
- Fintech
- Treasury Management
- Cash Management
- Wealth Management
- Registered Investment Advisor
- Startups
apis: []
common:
- type: Website
  url: https://palus.finance
- type: SignUp
  url: https://palus.finance
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-20'
  status: nochange
  artifacts_added: 0
  pass: local-v1
  note: Confirmed no public API, SDK, or developer surface. Managed RIA / treasury advisory web product (YC W26). Identity
    hygiene only; no scored API artifacts to produce without fabrication.

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