Spenny

Spenny is an Indian personal-finance and micro-investing app that works like a digital piggy bank, rounding up everyday spending on cards, UPI, and netbanking and automatically investing the spare change. Users can put round-ups and lump sums (from as little as Rs. 10) into digital gold and curated mutual fund baskets, with no lock-ins and anytime withdrawals. Spenny is a consumer mobile application and does not currently publish a public developer API, documentation, or developer portal. Backed by 500 Global.

Spenny is profiled on the APIs.io network. Tagged areas include Company, Fintech, Personal Finance, Micro-Investing, and Savings.

🌐 Visit website 📡 Source on GitHub

5.0/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

0 APIs

Company Fintech Personal FinanceMicro-InvestingSavings Mutual Funds Digital Gold India Consumer App

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 5.0/100 · minimal

Contract Quality 0.0 / 25

Developer Ergonomics 0.0 / 20

Access Clarity 0.0 / 20

Operational Transparency 0.0 / 13

Contract Governance 0.0 / 12

Discoverability 5.0 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 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 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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Security Posture 1

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

Spenny Domain Security

TLSv1.3

SECURITY

Resources

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Company 1

The organization behind the API

Website

Website

Source (apis.yml)

aid: spenny
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/spenny.png
name: Spenny
description: Spenny is an Indian personal-finance and micro-investing app that works like a digital piggy bank, rounding up
  everyday spending on cards, UPI, and netbanking and automatically investing the spare change. Users can put round-ups and
  lump sums (from as little as Rs. 10) into digital gold and curated mutual fund baskets, with no lock-ins and anytime withdrawals.
  Spenny is a consumer mobile application and does not currently publish a public developer API, documentation, or developer
  portal. Backed by 500 Global.
url: https://raw.githubusercontent.com/api-evangelist/spenny/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Fintech
- Personal Finance
- Micro-Investing
- Savings
- Mutual Funds
- Digital Gold
- India
- Consumer App
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-21'
  status: minimal
  artifacts_added: 1
  pass: local-v1
common:
- type: DomainSecurity
  url: security/spenny-domain-security.yml
- type: Website
  url: https://spenny.com

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