# Vestwell

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

Vestwell is a New York City-based digital savings and retirement platform (founded 2016) that powers workplace savings programs for employers, financial advisors, financial institutions, TPAs, PEOs, payroll and benefit partners, and government agencies. Its recordkeeping and administration engine supports traditional and Safe Harbor 401(k), Solo-k, Starter-k, pooled/PEP plans, 403(b), 529 education savings, ABLE, emergency savings, student-loan repayment, and tuition reimbursement, as well as state-facilitated ("government savings") retirement programs. Vestwell emphasizes payroll and HR integrations (auto-sync across 190+ payroll providers) rather than a public developer API; onboarding, servicing, and saver access run through its web platform. Surfaced as a Lightspeed Venture Partners portfolio company and profiled here for the API Evangelist network.

## Kin Score — 10.1 / 100 (minimal)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 10.1).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 23.7 |
| Access Clarity | 23.7 |

Regulatory layer — **Education & Research**: 18.5 (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)

- **Vestwell Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Retirement, Workplace Savings, 401k, 529 College Savings, Financial-Services, Fintech, Recordkeeping, Payroll Integration, State Retirement Programs

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