SpotPay

SpotPay is a global neobank that operates as a stablecoin-based global bank account, letting users hold, send, receive, and spend money anywhere in the world from a single identity-verified digital wallet without a traditional bank account. The service settles payments on blockchain rails using stablecoins and pairs the wallet with the SpotPay Calypso debit card plus Apple Pay and Google Pay support, and lets merchants accept QR-code payments with instant settlement. Founded by Zsika Phillip (CEO, ex-Google) and Thomas Cesare-Herriau (CTO, ex-Brex), SpotPay is a Y Combinator Winter 2026 company operating across 40+ countries and registered as a Money Services Business with FinCEN in the United States. As of this enrichment pass SpotPay is a consumer mobile-app product with no public API, developer portal, SDKs, or OpenAPI surface; api.spotpay.ai serves only the app's private backend.

SpotPay is profiled on the APIs.io network. Tagged areas include Company, Payments, Neobank, Stablecoins, and Blockchain.

SpotPay’s developer surface includes signup flow and 2 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

5.7/100 minimal ▬ flat Agent 12/100 agent aware Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

0 APIs 1 MCP Servers

Company Payments Neobank Stablecoins Blockchain Fintech Digital Wallet Cross-Border Payments Y Combinator

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 5.7/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.0 / 17

Access Clarity 2.2 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.4 / 9

Regulatory Posture 0.8 / 15

Agent readiness — 12/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 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 5 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

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.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0

11 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 0.0 — up to +20.0 composite points
Access Clarity scores 13.2 — up to +17.4 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/spotpay/apis.yml: open an issue on github.com/api-evangelist/spotpay to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Stablecoins and Tokenization (stablecoin issuers, tokenized assets)	regulated	19.2 (thin)	-	1

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Model Context Protocol (MCP)

measured — observed by APIs.io (verified)

OAuth 2.0 Protected Resource Metadata

measured — observed by APIs.io (verified)

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

SpotPay MCP Server

Remote MCP server at mcp.spotpay.ai over HTTP.

MCP SERVER

Security Posture 1

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

Spotpay Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

SignUp

SignUp

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Company 1

The organization behind the API

Website

Website

Source (apis.yml)

aid: spotpay
name: SpotPay
description: SpotPay is a global neobank that operates as a stablecoin-based global bank account, letting users hold, send,
  receive, and spend money anywhere in the world from a single identity-verified digital wallet without a traditional bank
  account. The service settles payments on blockchain rails using stablecoins and pairs the wallet with the SpotPay Calypso
  debit card plus Apple Pay and Google Pay support, and lets merchants accept QR-code payments with instant settlement. Founded
  by Zsika Phillip (CEO, ex-Google) and Thomas Cesare-Herriau (CTO, ex-Brex), SpotPay is a Y Combinator Winter 2026 company
  operating across 40+ countries and registered as a Money Services Business with FinCEN in the United States. As of this
  enrichment pass SpotPay is a consumer mobile-app product with no public API, developer portal, SDKs, or OpenAPI surface;
  api.spotpay.ai serves only the app's private backend.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-11-06'
  method: derived
image: https://www.spotpay.ai/favicon.ico
url: https://raw.githubusercontent.com/api-evangelist/spotpay/refs/heads/main/apis.yml
humanURL: https://www.spotpay.ai/
x-type: company
x-source: vc-portfolio
x-backed-by:
- y-combinator
x-yc-batch: W2026
x-founders:
- Zsika Phillip (CEO, ex-Google)
- Thomas Cesare-Herriau (CTO, ex-Brex)
x-regulatory: Registered Money Services Business (MSB) with FinCEN (United States)
x-tier: stub
x-tier-reason: portfolio-lead
x-api-surface: none-public
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Payments
- Neobank
- Stablecoins
- Blockchain
- Fintech
- Digital Wallet
- Cross-Border Payments
- Y Combinator
tags_raw:
- Company
- Payments
- Neobank
- Stablecoin
- Blockchain
- Fintech
- Digital Wallet
- Cross-Border Payments
- Y Combinator
apis: []
common:
- type: DomainSecurity
  url: security/spotpay-domain-security.yml
- type: Website
  url: https://www.spotpay.ai/
- type: SignUp
  url: https://www.spotpay.ai/download
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

SpotPay API — frequently asked questions

Does SpotPay have an MCP server?

Yes. APIs.io lists 1 MCP server for SpotPay: Remote MCP server at mcp.spotpay.ai over HTTP.

Is the SpotPay API ready for AI agents?

SpotPay has a Kin Score of 5.7 out of 100 (minimal) and an Agent Readiness score of 12.2 (agent-aware), scored by API Evangelist on 2026-11-06.

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get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

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