# SavvyMoney

**Canonical:** https://apis.io/providers/savvymoney/  
**Website:** https://www.savvymoney.com/  
**APIs profiled:** 2

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.

## Kin Score — 40.8 / 100 (developing)

Scored 2026-09-01 under rubric 0.17.2. Trend: flat (+0.0 from 40.8).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 0.0 |
| Governance | 18.2 |
| Contract Governance | 18.2 |
| Operational Transparency | 42.1 |
| Developer Ergonomics | 45.2 |
| Commercial Clarity | 50.0 |
| Access Clarity | 50.0 |

Regulatory layer — **Banking & Open Finance**: 74.7 (matched via tags).

## Agent readiness — 16.2 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | served |
| Idempotency | no |
| Error Semantics | documented |
| 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 | yes |
| Agentic Commerce | no |

## APIs (2)

- **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...

## Security (4)

- **Savvymoney Authentication** — 3 schemes
- **Savvymoney Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Savvymoney Vulnerability Disclosure** — Hackerone · contact published
- **Savvymoney Trust Center** — SOC 2 Type 2, CSA STAR Level 1, CSA STAR Level 2, CSA Trusted Cloud Provider, TRUSTe

## Plans (1)

- **Savvymoney Plans Pricing**

## Tags

Company, Financial-Services, Credit Scores, Credit Monitoring, Financial Wellness, Banking, Credit Unions, Fintech, Single Sign-On, Embedded Finance, Lending, Account Opening

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