# Spenmo

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

Spenmo was a Singapore-based spend management platform for businesses, offering corporate Visa debit cards (physical and virtual), bill and invoice management with smart scanning, employee reimbursements and claims, and accounting integrations with Xero, NetSuite, QuickBooks and Jurnal. Operated by Digital Services SG Five Pte Ltd, it worked with MAS-licensed payment partners rather than providing regulated payment services directly. The company ceased operations on 14 August 2025 and permanently disabled customer access. No public API or developer program was ever published.

## Kin Score — 1.5 / 100 (minimal)

Scored 2026-08-19 under rubric 0.12.0. Trend: flat (-4.2 from 5.7).

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

Regulatory layer — **Payments**: 9.4 (matched via tags).

## Agent readiness — 0.0 (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 | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

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

## Security (1)

- **Spenmo Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Spend Management, Expense Management, Corporate Cards, Fintech, Payments, Accounting, Singapore, Defunct

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