Step

Step is an all-in-one mobile banking platform built for teens, young adults, and families. The Step Visa Card is a secured card that builds credit history reported to Experian, Equifax, and TransUnion, and teens can begin building credit before they turn 18 through parent-managed accounts. Step also offers savings rewards, cashback with partner brands, EarlyPay paycheck advances up to $250, commission-free stock investing powered by DriveWealth, early direct deposit, and the Money 101 financial education hub. Banking services are provided by partner Evolve Bank & Trust, Member FDIC. Founded in 2018 in Palo Alto by CJ MacDonald and Alexey Kalinichenko, backed by General Catalyst, and acquired by Beast Industries. Step publishes no public developer API; its programmatic surface is limited to a consumer service status page and a site llms.txt.

Step is profiled on the APIs.io network. Tagged areas include Company, Fintech, Banking, Teens, and Credit Building.

Step’s developer surface includes support, engineering blog, signup flow, and 7 more developer resources.

🌐 Visit website 📡 Source on GitHub

19.0/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

CompanyFintechBankingTeensCredit BuildingPaymentsInvestingConsumer FinanceFinancial Education

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 19.0/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 1.3 / 20

Commercial Clarity 6.8 / 20

Operational Transparency 2.1 / 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/step: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Get Started 1

Portal, sign-up, and the first successful call

SignUp

SignUp

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Lifecycle

Lifecycle

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: step
name: Step
description: Step is an all-in-one mobile banking platform built for teens, young adults, and families. The Step Visa Card
  is a secured card that builds credit history reported to Experian, Equifax, and TransUnion, and teens can begin building
  credit before they turn 18 through parent-managed accounts. Step also offers savings rewards, cashback with partner brands,
  EarlyPay paycheck advances up to $250, commission-free stock investing powered by DriveWealth, early direct deposit, and
  the Money 101 financial education hub. Banking services are provided by partner Evolve Bank & Trust, Member FDIC. Founded
  in 2018 in Palo Alto by CJ MacDonald and Alexey Kalinichenko, backed by General Catalyst, and acquired by Beast Industries.
  Step publishes no public developer API; its programmatic surface is limited to a consumer service status page and a site
  llms.txt.
url: https://raw.githubusercontent.com/api-evangelist/step/refs/heads/main/apis.yml
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://images.ctfassets.net/bkmkssdu4exw/4AmtjJsDFh6FaE3A9yrjTt/5614b55c2840d91cc8b6913db3db86a6/Web_Meta_OG_Image.png
x-type: company
x-source: vc-portfolio
x-backed-by:
- general-catalyst
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Fintech
- Banking
- Teens
- Credit Building
- Payments
- Investing
- Consumer Finance
- Financial Education
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/step-domain-security.yml
- type: Website
  url: https://step.com
- type: Support
  url: https://help.step.com
- type: Blog
  url: https://step.com/money-101
- type: TermsOfService
  url: https://step.com/policies/terms
- type: PrivacyPolicy
  url: https://step.com/policies/privacy
- type: SignUp
  url: https://step.com/signup
- type: StatusPage
  url: https://status.step.com
- type: Lifecycle
  url: lifecycle/step-lifecycle.yml
- type: LLMsTxt
  url: llms/step-llms.txt
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 4
  pass: local-v1