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, Stablecoin, and Blockchain.

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

🌐 Visit website 📡 Source on GitHub
9.9/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
0 APIs
CompanyPaymentsNeobankStablecoinBlockchainFintechDigital WalletCross-Border PaymentsY Combinator

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 9.9/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 0.0 / 20
Commercial Clarity 2.6 / 20
Operational Transparency 0.0 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
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
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/spotpay: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

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)

apis.yml Raw ↑ 
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.
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://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: '0.20'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- 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