TomoCredit

TomoCredit is a consumer fintech that helps people build credit without requiring a credit score or prior credit history. Its flagship products are the Tomo Card, a credit-building card marketed as an all-new black card, and TomoBoost, an AI-powered credit-building tool. The company positions itself around fast approval (apply in minutes), no credit-history requirement, and cardmember benefits and coverage it values at over $1,300, aiming to help thin-file consumers such as newcomers and students establish and grow their credit. TomoCredit was surfaced through the Techstars portfolio and added to the API Evangelist network.

TomoCredit is profiled on the APIs.io network. Tagged areas include Company, Financial Services, Fintech, Credit, and Credit Cards.

TomoCredit’s developer surface includes engineering blog, support, and 3 more developer resources.

🌐 Visit website 📡 Source on GitHub
12.3/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
0 APIs
CompanyFinancial ServicesFintechCreditCredit CardsConsumer FinanceCredit Building

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 12.3/100 · minimal
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 4.2 / 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/tomocredit: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Resources

Operate 1

Status, limits, changes, and where to get help

Support
Support

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)

apis.yml Raw ↑ 
aid: tomocredit
name: TomoCredit
description: TomoCredit is a consumer fintech that helps people build credit without requiring a credit score or prior credit
  history. Its flagship products are the Tomo Card, a credit-building card marketed as an all-new black card, and TomoBoost,
  an AI-powered credit-building tool. The company positions itself around fast approval (apply in minutes), no credit-history
  requirement, and cardmember benefits and coverage it values at over $1,300, aiming to help thin-file consumers such as newcomers
  and students establish and grow their credit. TomoCredit was surfaced through the Techstars portfolio and added to the API
  Evangelist network.
url: https://raw.githubusercontent.com/api-evangelist/tomocredit/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://tomocredit.com/images/tomo_card_women.webp
x-type: company
x-source: vc-portfolio
x-backed-by:
- techstars
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Financial Services
- Fintech
- Credit
- Credit Cards
- Consumer Finance
- Credit Building
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://tomocredit.com/
- type: Blog
  url: https://tomocredit.com/blog
- type: Support
  url: https://tomocredit.com/support
- type: TermsOfService
  url: https://tomocredit.com/terms
- type: PrivacyPolicy
  url: https://tomocredit.com/privacypolicy
x-enrichment:
  date: '2026-07-21'
  status: minimal
  artifacts_added: 0
  pass: local-v1