# Rational

**Canonical:** https://apis.io/providers/rational/  
**Website:** https://rational.to/  
**APIs profiled:** 0

Rational (rational.to) is a Y Combinator (S26) company building AI employees, or "AI coworkers," for accounting and finance teams. Its AI agents onboard themselves to a firm, build a company "brain," and perform recurring accounting work — accounts payable, AR collections, bookkeeping, bank reconciliation, document collection, expense review, and month-end close — while keeping postings, payment release, and policy-sensitive decisions behind explicit human approval gates with an inspectable review history. Founded in 2026 in San Francisco by Jibril Moinuddin and Christ Xu, Rational targets accounting firms and finance teams facing a structural capacity and labor shortage. As an early-stage company it currently exposes a marketing and agent-discovery surface (llms.txt, ai-discovery.json, RFC 9116 security.txt) rather than a public developer API; this profile captures that surface and will be enriched as a developer platform ships.

## Kin Score — 7.7 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+1.1 from 6.6).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 2.4 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

## Agent readiness — 2.6 (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 | yes |
| Agent Card | no |
| Dry Run Mode | no |

## Access

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

## Security (2)

- **Rational Domain Security** — TLSv1.3 · HSTS · DMARC
- **Rational Vulnerability Disclosure** — security.txt · contact published

## Tags

Company, Artificial Intelligence, AI Agents, Accounting, Finance, Bookkeeping, Accounts Payable, Automation, Fintech, Y Combinator

---

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