# Shelter

**Canonical:** https://apis.io/providers/shelter-money/  
**Website:** https://shelter.money  
**APIs profiled:** 1

Shelter is a read-only AI money guardian from Nextaura Labs that connects to a user's financial accounts through Plaid and publishes a 30-day cash-flow forecast, safe-to-spend and affordability checks, bill and subscription detection, and low-balance alerts. Its agent surface is an official open-source MCP server (npm @shelter.money/mcp, ten read-only tools with an MCP-registry server.json) backed by a scoped-API-key Agent API; the documented API host api.shelter.money was NXDOMAIN at probe time (2026-09-07), so the live API could not be reached.

## Kin Score — 37.4 / 100 (thin)

Scored 2026-09-07 under rubric 0.20.0.

| Facet | Score |
|---|---|
| Discoverability | 72.2 |
| Contract Quality | 0.0 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 44.7 |
| Developer Ergonomics | 45.2 |
| Commercial Clarity | 73.7 |
| Access Clarity | 73.7 |

## Agent readiness — 8.5 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | documented |
| Auth Clarity | bearer |
| 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 |

## APIs (1)

- **Shelter MCP** — Official read-only MCP agent surface for the Shelter budgeting product — ten tools covering status, runway, forecast, alerts, opportunities, context, affordability, coaching, an...

## MCP servers (1)

- **Shelter MCP Server** — Official, open-source (MIT) read-only MCP server connecting Claude, Codex, Cursor and other MCP-compatible agents to scoped financial context from a user's own Shelter account —...

## Security (4)

- **Shelter Money Authentication** — 1 scheme
- **Shelter Money Domain Security** — TLSv1.3 · HSTS · DMARC
- **Shelter Money Vulnerability Disclosure** — security.txt · contact published
- **Shelter Money Trust Center** — trust center published

## Plans (1)

- **Shelter Money Plans Pricing**

## Tags

Personal Finance, Budgeting, Fintech, MCP, AI Agents, Cash Flow Forecasting

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