SavvyMoney

SavvyMoney is a Dublin, California based financial technology company that supplies credit score, credit monitoring, financial wellness, pre-qualified offer and digital account-opening software to banks and credit unions. Its platform is delivered embedded inside a financial institution's existing online and mobile banking rather than as a standalone destination, and SavvyMoney states it is live across 70+ pre-built integrations spanning 40+ digital banking platforms including Alkami, Fiserv, Q2, Lumin and Candescent. The technical surface partners integrate against is a partner-scoped REST API on creditscore.savvymoney.com: a JWT-based Single Sign-On API (authenticate, sign-on, optional browser fingerprint, prolong, log off, and a RelayPost form endpoint) that hands a partner's authenticated member into SavvyMoney without a second credential, plus an External Credit API that returns User Status and User Credit Score data so the partner can render score, score change and monitoring alerts in its own UI. Embeddable iFrame widgets (score widget, offer widget, desktop and mobile dashboards) are published alongside the API, and a documented beta environment runs at creditscoretest.savvymoney.com. Credentials, the full API document and the partner hub are gated behind a partner agreement; no OpenAPI, AsyncAPI, SDK, MCP server or agent card is published publicly.

SavvyMoney publishes 2 APIs on the APIs.io network. Tagged areas include Company, Financial-Services, Credit Scores, Credit Monitoring, and Financial Wellness.

SavvyMoney’s developer surface includes documentation, support, engineering blog, signup flow, changelog, and 20 more developer resources.

🌐 Visit website 📡 Source on GitHub
40.8/100 developing ▬ flat Agent 16/100 agent aware saas Full breakdown ↓
scored 2026-09-01 · rubric v0.17.2
2 APIs
CompanyFinancial-ServicesCredit ScoresCredit MonitoringFinancial WellnessBankingCredit UnionsFintechSingle Sign-OnEmbedded FinanceLendingAccount Opening

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-01 · rubric v0.17.2
Composite quality — 40.8/100 · developing
Contract Quality 0.0 / 21
Developer Ergonomics 7.7 / 17
Access Clarity 8.5 / 17
Operational Transparency 4.7 / 11
Contract Governance 1.9 / 10
Discoverability 6.5 / 9
Regulatory Posture 11.2 / 15
Agent readiness — 16/100 · agent aware
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 10
Documented Reversibility 0 / 6
MCP Server 0 / 12
Machine-Readable Auth 10 / 10
Idempotency 0 / 9
Stable Error Semantics 8 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 7 / 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 6 / 6
Agentic Commerce Surface 0 / 5
Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.
The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/savvymoney: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

APIs 2

Individual APIs this provider publishes, each with its own machine-readable definition.

SavvyMoney SSO REST API

JWT-based Single Sign-On REST API that lets a partner's online or mobile banking platform transfer an authenticated member into SavvyMoney without a second set of credentials. P...

SavvyMoney External Credit API

Partner-facing REST API that returns select credit data for an SSO-identified member so the partner can render it inside its own experience. SavvyMoney's published Mobile Integr...

Pricing Plans 1

Published pricing tiers and plan structures.

Savvymoney Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Savvymoney Rate Limits

0 limits

RATE LIMITS

Security Posture 4

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Savvymoney Authentication

3 schemes

SECURITY

Savvymoney Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Savvymoney Vulnerability Disclosure

Hackerone · contact published

SECURITY

Savvymoney Trust Center

SOC 2 Type 2, CSA STAR Level 1, CSA STAR Level 2, CSA Trusted Cloud Provider, TRUSTe

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Savvymoney Scopes

OAuth 2.0 · no documented scopes

0 scopes

SCOPES

Resources

Get Started 3

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal
 SignUp
SignUp
 Login
Login

Documentation 1

Reference material describing how the API behaves

Documentation
Documentation

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt
LLMsTxt
 WellKnown
WellKnown

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Lifecycle
Lifecycle
 Conformance
Conformance

Build 1

SDKs, sample code, and the tooling you integrate with

Packages
Packages

Access & Security 6

Authentication, authorization, and security posture

TrustCenter
TrustCenter
 Compliance
Compliance
 Security
Security
 VulnerabilityDisclosure
VulnerabilityDisclosure
 DomainSecurity
DomainSecurity
 OAuthScopes
OAuthScopes

Operate 4

Status, limits, changes, and where to get help

Support
Support
 StatusPage
StatusPage
 ChangeLog
ChangeLog
 RateLimits
RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy
 Plans
Plans

Company 3

The organization behind the API

Website
Website
 Blog
Blog
 BlogRSS
BlogRSS

Source (apis.yml)

apis.yml Raw ↑ 
aid: savvymoney
name: SavvyMoney
description: 'SavvyMoney is a Dublin, California based financial technology company that supplies credit score, credit monitoring,
  financial wellness, pre-qualified offer and digital account-opening software to banks and credit unions. Its platform is
  delivered embedded inside a financial institution''s existing online and mobile banking rather than as a standalone destination,
  and SavvyMoney states it is live across 70+ pre-built integrations spanning 40+ digital banking platforms including Alkami,
  Fiserv, Q2, Lumin and Candescent. The technical surface partners integrate against is a partner-scoped REST API on creditscore.savvymoney.com:
  a JWT-based Single Sign-On API (authenticate, sign-on, optional browser fingerprint, prolong, log off, and a RelayPost form
  endpoint) that hands a partner''s authenticated member into SavvyMoney without a second credential, plus an External Credit
  API that returns User Status and User Credit Score data so the partner can render score, score change and monitoring alerts
  in its own UI. Embeddable iFrame widgets (score widget, offer widget, desktop and mobile dashboards) are published alongside
  the API, and a documented beta environment runs at creditscoretest.savvymoney.com. Credentials, the full API document and
  the partner hub are gated behind a partner agreement; no OpenAPI, AsyncAPI, SDK, MCP server or agent card is published publicly.'
url: https://raw.githubusercontent.com/api-evangelist/savvymoney/refs/heads/main/apis.yml
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
image: https://www.savvymoney.com/wp-content/uploads/2022/12/cropped-SM_favicon-180x180-1-180x180.png
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-08-26'
modified: '2026-08-26'
tags:
- Company
- Financial-Services
- Credit Scores
- Credit Monitoring
- Financial Wellness
- Banking
- Credit Unions
- Fintech
- Single Sign-On
- Embedded Finance
- Lending
- Account Opening
tags_raw:
- Company
- Financial Services
- Credit Scores
- Credit Monitoring
- Financial Wellness
- Banking
- Credit Unions
- Fintech
- Single Sign On
- Embedded Finance
- Lending
- Account Opening
apis:
- name: SavvyMoney SSO REST API
  description: JWT-based Single Sign-On REST API that lets a partner's online or mobile banking platform transfer an authenticated
    member into SavvyMoney without a second set of credentials. Publicly documented operations are an authentication call
    that returns a short-lived authorization code, an optional browser fingerprint call, a sign-on call that exchanges the
    code for an access token and redirect URL, a prolong call that extends the token, a log off call that revokes it immediately,
    and a RelayPost form endpoint used for iFrame embedding. Member attributes are passed as an attributes[] array and may
    be AES/CBC encrypted. Access tokens expire in 10 minutes. TLS 1.2 only.
  humanURL: https://hub.savvymoney.com/sphub/cms/delivery/media/MCTB4AZJKJRJBWFAXB4W2WLUCAPQ
  baseURL: https://creditscore.savvymoney.com
  tags:
  - Single Sign-On
  - Authentication
  - JWT
  - Credit Scores
  tags_raw:
  - Single Sign On
  - Authentication
  - JWT
  - Credit Scores
  properties:
  - type: Documentation
    url: https://hub.savvymoney.com/sphub/cms/delivery/media/MCTB4AZJKJRJBWFAXB4W2WLUCAPQ
  - type: Authentication
    url: authentication/savvymoney-authentication.yml
  - type: Sandbox
    url: sandbox/savvymoney-sandbox.yml
  - type: ErrorCatalog
    url: errors/savvymoney-problem-types.yml
  - type: Conventions
    url: conventions/savvymoney-conventions.yml
  - type: DataModel
    url: data-model/savvymoney-data-model.yml
- name: SavvyMoney External Credit API
  description: 'Partner-facing REST API that returns select credit data for an SSO-identified member so the partner can render
    it inside its own experience. SavvyMoney''s published Mobile Integration Guide names two operations: User Status, which
    returns whether a member is enrolled in SavvyMoney so the partner can show its own marketing message to non-enrolled users,
    and User Credit Score, which returns the member''s credit score, score rating, monitoring alerts and the date of the latest
    score pull. Called with the access token issued by the SSO API in an HTTP Authorization header. The full endpoint reference
    lives in the partner-gated "SavvyMoney API Document".'
  humanURL: https://hub.savvymoney.com/sphub/cms/delivery/media/MCS7KWMTKCWNE7VNGJI5TFUISKCY
  baseURL: https://creditscore.savvymoney.com
  tags:
  - Credit Scores
  - Credit Monitoring
  - Financial Wellness
  properties:
  - type: Documentation
    url: https://hub.savvymoney.com/sphub/cms/delivery/media/MCS7KWMTKCWNE7VNGJI5TFUISKCY
  - type: Components
    url: components/savvymoney-components.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.savvymoney.com/
- type: Documentation
  url: https://www.savvymoney.com/why-savvymoney/integration-partners/
- type: DeveloperPortal
  url: https://hub.savvymoney.com
- type: Support
  url: https://www.savvymoney.com/book-a-demo/
- type: Blog
  url: https://www.savvymoney.com/category/news/
- type: BlogRSS
  url: https://www.savvymoney.com/feed/
- type: SignUp
  url: https://www.savvymoney.com/book-a-demo/
- type: Login
  url: https://hub.savvymoney.com
- type: TermsOfService
  url: https://www.savvymoney.com/terms-of-service/
- type: PrivacyPolicy
  url: https://www.savvymoney.com/privacy-policy/
- type: StatusPage
  url: https://status.savvymoney.com/
- type: Lifecycle
  url: lifecycle/savvymoney-lifecycle.yml
- type: TrustCenter
  url: https://trust.savvymoney.com/
- type: Compliance
  url: security/savvymoney-trust-center.yml
- type: Security
  url: security/savvymoney-vulnerability-disclosure.yml
- type: VulnerabilityDisclosure
  url: security/savvymoney-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/savvymoney-domain-security.yml
- type: Conformance
  url: conformance/savvymoney-conformance.yml
- type: LLMsTxt
  url: llms/savvymoney-llms.txt
- type: WellKnown
  url: well-known/savvymoney-well-known.yml
- type: OAuthScopes
  url: scopes/savvymoney-scopes.yml
- type: Packages
  url: packages/savvymoney-packages.yml
- type: ChangeLog
  url: changelog/savvymoney-changelog.yml
- type: Plans
  url: plans/savvymoney-plans-pricing.yml
- type: RateLimits
  url: rate-limits/savvymoney-rate-limits.yml
x-enrichment:
  date: '2026-08-26'
  status: enriched
  artifacts_added: 20
  pass: local-v1

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