# Palus Finance

**Canonical:** https://apis.io/providers/palus-finance/  
**Website:** https://palus.finance  
**APIs profiled:** 0

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.

## Kin Score — 7.6 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 7.6).

| 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 | 13.2 |
| Access Clarity | 13.2 |

## 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 |

## Access

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

## Tags

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

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