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

14.0/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

0 APIs

CompanyFintechBankingTeensCredit BuildingPaymentsInvestingConsumer FinanceFinancial Education

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 14.0/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 5.8 / 17

Operational Transparency 1.7 / 11

Contract Governance 0.0 / 10

Discoverability 4.9 / 9

Regulatory Posture 2.7 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

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

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Banking & Open Finance 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.

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/.

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: '0.23'
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