# Spenny

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

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.

## Kin Score — 5.0 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 5.0).

| 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 |

## 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)

- **Spenny Domain Security** — TLSv1.3

## Tags

Company, Fintech, Personal Finance, Micro-Investing, Savings, Mutual Funds, Digital Gold, India, Consumer App

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