# SpotPay

**Canonical:** https://apis.io/providers/spotpay/  
**Website:** https://www.spotpay.ai/  
**APIs profiled:** 0

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.

## Kin Score — 4.2 / 100 (minimal)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 4.2).

| 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 | 13.2 |
| Access Clarity | 13.2 |

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)

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

## Tags

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

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