UNest

UNest is a Los Angeles-based fintech app that helps parents and families save and invest for their children's futures through UTMA/UGMA custodial investment accounts, with brand rewards contributions, gifting, financial literacy content, and term life insurance offered through Ladder. UNest Advisers, LLC is an SEC-registered investment adviser, with brokerage through UNest Securities, LLC (FINRA/SIPC) and clearing through Apex Clearing. The company is a consumer mobile-app business and publishes no public developer API, though its site ships a real llms.txt. Surfaced as a 500 Global portfolio company in the API Evangelist network.

UNest is profiled on the APIs.io network. Tagged areas include Company, Fintech, Investing, Custodial Accounts, and Savings.

UNest’s developer surface includes pricing, engineering blog, support, signup flow, and 6 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

12.9/100 emerging ▬ flat Agent 9/100 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 →

0 APIs 1 MCP Servers

Company Fintech Investing Custodial Accounts Savings InsuranceFamily Finance

Kin Score

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

Composite quality — 12.9/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 5.4 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 5.0 / 9

Regulatory Posture 1.8 / 15

Agent readiness — 9/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 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 Insurance 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
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
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

12 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
Developer Ergonomics scores 7.1 — up to +18.6 composite points
Access Clarity scores 31.6 — up to +13.7 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/unest/apis.yml: open an issue on github.com/api-evangelist/unest 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 1

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)

MCP Servers 1

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

UNest MCP Server

Remote MCP server at mcp.unest.co over HTTP.

MCP SERVER

Security Posture 1

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

Unest Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

SignUp

SignUp

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: unest
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: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/unest.png
name: UNest
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 3
  pass: local-v1
description: UNest is a Los Angeles-based fintech app that helps parents and families save and invest for their children's
  futures through UTMA/UGMA custodial investment accounts, with brand rewards contributions, gifting, financial literacy content,
  and term life insurance offered through Ladder. UNest Advisers, LLC is an SEC-registered investment adviser, with brokerage
  through UNest Securities, LLC (FINRA/SIPC) and clearing through Apex Clearing. The company is a consumer mobile-app business
  and publishes no public developer API, though its site ships a real llms.txt. Surfaced as a 500 Global portfolio company
  in the API Evangelist network.
url: https://raw.githubusercontent.com/api-evangelist/unest/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- 500-global
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Fintech
- Investing
- Custodial Accounts
- Savings
- Insurance
- Family Finance
tags_raw:
- Company
- FinTech
- Investing
- Custodial Accounts
- Savings
- Insurance
- Family Finance
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/unest-domain-security.yml
- type: Website
  url: https://unest.co
- type: WellKnown
  url: well-known/unest-well-known.yml
- type: LLMsTxt
  url: llms/unest-llms.txt
- type: Pricing
  url: https://unest.co/pricing
- type: TermsOfService
  url: https://unest.co/terms
- type: PrivacyPolicy
  url: https://unest.co/privacy
- type: Blog
  url: https://unest.co/insights
- type: Support
  url: https://unest.co/faq
- type: SignUp
  url: https://web.unest.co

UNest API — frequently asked questions

Does UNest have an MCP server?

Yes. APIs.io lists 1 MCP server for UNest: Remote MCP server at mcp.unest.co over HTTP.

Is the UNest API ready for AI agents?

UNest has a Kin Score of 12.9 out of 100 (emerging) and an Agent Readiness score of 8.6 (agent-aware), scored by API Evangelist on 2026-11-06.

Work with this as data

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MCP server

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https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
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.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

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