# Qapital

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

Qapital is a consumer personal-finance company founded in 2013 — "born in Stockholm, raised in New York City" — that packages saving, spending, investing and budgeting into a single mobile membership app built on behavioral-economics research. Its Rules engine automates transfers into user-defined Goals (round-ups, guilty pleasure, payday divvy, freelancer tax set-aside and activity-triggered saves), a Dream Team feature lets two people save collaboratively, Qapital Invest offers risk-weighted portfolios through SEC-registered advisory and brokerage partners, and a Qapital Visa debit card and Spending account run on FDIC-member partner banking. The company reports 3.5m+ app downloads and roughly $3B collectively saved by members. Qapital sells a subscription — Basic, Complete and Premier tiers — rather than a developer product: it publishes no developer portal, no API reference and no machine-readable contract of any kind. The only public automation surface it offers is a Qapital service on IFTTT (four triggers, three queries, one action), and its own api.qapital.com host answers anonymous requests with HTTP 503.

## Kin Score — 28.0 / 100 (thin)

Scored 2026-09-01 under rubric 0.17.2. Trend: flat (+0.0 from 28.0).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 92.1 |
| Access Clarity | 92.1 |

Regulatory layer — **Banking & Open Finance**: 30.4 (matched via tags).

## Agent readiness — 2.5 (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 | documented |
| 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 |

## Security (2)

- **Qapital Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Qapital Trust Center** — SOC 2 Type I

## Plans (1)

- **Qapital Plans Pricing**

## Tags

Company, Personal Finance, Savings, Banking, Investing, Budgeting, Fintech, Consumer Applications, Behavioral Economics, Mobile Banking

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