# Step

**Canonical:** https://apis.io/providers/step/  
**Website:** https://step.com  
**APIs profiled:** 0

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.

## Kin Score — 14.0 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 14.0).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 15.8 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 34.2 |
| Access Clarity | 34.2 |

Regulatory layer — **Banking & Open Finance**: 17.7 (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)

- **Step Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Company, Fintech, Banking, Teens, Credit Building, Payments, Investing, Consumer Finance, Financial Education

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