Treasury

Treasury (treasury.app) is a consumer investing and personal-finance education platform that bills itself as "the first investing platform built for learning as a community" and a "non-judgmental investing community." It pairs creator-led learning communities (workshops, coaching, and discussion forums), commission-free brokerage investing accounts with fractional and recurring investments, and self-guided courses on investing, personal finance, and retirement. Backed by Bloomberg Beta and other investors, Treasury has introduced tens of thousands of new investors to the market. It has no traditional public REST/OpenAPI developer platform, but it does expose an agent-native surface: a hosted Model Context Protocol (MCP) server at treasury.app/mcp guarded by an OAuth 2.1 authorization server (authorization code + PKCE, dynamic client registration, scope mcp:connect).

Treasury is profiled on the APIs.io network. Tagged areas include Company, Investing, Personal Finance, Fintech, and Brokerage.

Treasury’s developer surface includes authentication and 6 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

9.4/100 minimal ▬ flat Agent 24/100 agent aware Front door AI 1/6 silent saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessSelf serve

0 APIs 1 MCP Servers

Company Investing Personal Finance Fintech Brokerage Financial Education MCP Agents

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 9.4/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 2.0 / 17

Access Clarity 1.1 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.4 / 9

Regulatory Posture 3.2 / 15

Agent readiness — 24/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 10 / 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

Delegated User Identity 6 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Education & Research 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.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)

9 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Access Clarity scores 6.6 — up to +18.7 composite points
Developer Ergonomics scores 11.9 — up to +17.6 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/treasury/apis.yml: open an issue on github.com/api-evangelist/treasury to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Model Context Protocol (MCP)

measured — observed by APIs.io (verified)

Dynamic Client Registration

measured — observed by APIs.io (published)

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Treasury MCP Server

Remote MCP server at treasury.app over HTTP.

MCP SERVER

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Treasury Authentication

oauth2 · 1 scheme

SECURITY

Treasury Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Scopes 1

OAuth scopes governing access to this provider's APIs.

Treasury Scopes

1 scope · authorizationCode

1 scopes

SCOPES

Resources

Get Started 1

Portal, sign-up, and the first successful call

Login

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

MCPServer

MCPServer

WellKnown

WellKnown

Access & Security 3

Authentication, authorization, and security posture

Authentication

Authentication

OAuthScopes

OAuthScopes

DomainSecurity

DomainSecurity

Company 1

The organization behind the API

Website

Website

Source (apis.yml)

aid: treasury
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  - scopes
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/treasury.png
name: Treasury
description: 'Treasury (treasury.app) is a consumer investing and personal-finance education platform that bills itself as
  "the first investing platform built for learning as a community" and a "non-judgmental investing community." It pairs creator-led
  learning communities (workshops, coaching, and discussion forums), commission-free brokerage investing accounts with fractional
  and recurring investments, and self-guided courses on investing, personal finance, and retirement. Backed by Bloomberg Beta
  and other investors, Treasury has introduced tens of thousands of new investors to the market. It has no traditional public
  REST/OpenAPI developer platform, but it does expose an agent-native surface: a hosted Model Context Protocol (MCP) server
  at treasury.app/mcp guarded by an OAuth 2.1 authorization server (authorization code + PKCE, dynamic client registration,
  scope mcp:connect).'
url: https://raw.githubusercontent.com/api-evangelist/treasury/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- bloomberg-beta
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Investing
- Personal Finance
- Fintech
- Brokerage
- Financial Education
- MCP
- Agents
tags_raw:
- Company
- Investing
- Personal Finance
- Fintech
- Brokerage
- Financial Education
- MCP
- Agent
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://treasury.app/
- type: Login
  url: https://treasury.app/login
- type: MCPServer
  name: Treasury MCP Server
  url: mcp/treasury-mcp.yml
- type: WellKnown
  url: well-known/treasury-well-known.yml
- type: Authentication
  url: authentication/treasury-authentication.yml
- type: OAuthScopes
  url: scopes/treasury-scopes.yml
- type: DomainSecurity
  url: security/treasury-domain-security.yml
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 5
  pass: local-v1

Treasury API — frequently asked questions

How do I authenticate with the Treasury API?

Treasury documents its authentication (oauth2 · 1 scheme). The details are profiled on APIs.io as Treasury Authentication.

Does Treasury have an MCP server?

Yes. APIs.io lists 1 MCP server for Treasury: Remote MCP server at treasury.app over HTTP.

Is the Treasury API ready for AI agents?

Treasury has a Kin Score of 9.4 out of 100 (minimal) and an Agent Readiness score of 23.7 (agent-aware), scored by API Evangelist on 2026-11-06.

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get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
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find_cohortsEvery scored population of providers in the catalog.

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