wacai

Wacai (挖财, Hangzhou Wacai Network Technology Co., Ltd.) is a Chinese fintech and personal-finance company founded in 2009, best known for its "挖财记账" personal accounting and bookkeeping app and its internet wealth-management platform. Beyond its consumer apps, Wacai operates a partner-facing open API gateway (挖财开放平台) at open.wacai.com that exposes services through a single JSON-over-HTTPS entry point using appKey/appSecret signed requests, with official client SDKs published for Java (Maven Central), Node.js, PHP, Go, and C#. It was surfaced as a portfolio company of Qiming Venture Partners.

wacai publishes 1 API on the APIs.io network. Tagged areas include Company, Fintech, Personal Finance, Accounting, and Wealth Management.

wacai’s developer surface includes documentation, authentication, and 10 more developer resources.

🌐 Visit website 📡 Source on GitHub

12.8/100 emerging ▬ flat Agent 3/100 human only library Full breakdown ↓
scored 2026-09-25 · rubric v0.23.0

1 APIs

Company Fintech Personal Finance Accounting Wealth Management Open Platform API Gateway China

Kin Score

Kin Score How this is scored →
scored 2026-09-25 · rubric v0.23.0

Composite quality — 12.8/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 4.9 / 17

Access Clarity 0.0 / 17

Operational Transparency 0.3 / 11

Contract Governance 0.0 / 10

Discoverability 6.2 / 9

Regulatory Posture 1.8 / 15

Agent readiness — 3/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 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 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) 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/.

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 github.com/api-evangelist/wacai: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Wacai Open API Gateway

Partner-facing API gateway for the Wacai open platform. Callers POST JSON to a single gateway entry, addressing operations by (apiName, apiVersion) and authenticating with appKe...

Security Posture 2

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

Wacai Authentication

apiKey/hmac-signature · 2 schemes

SECURITY

Wacai Domain Security

TLSv1.2 · DNSSEC

SECURITY

Resources

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conventions

Conventions

Build 3

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

SDKs

SDKs

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

IssueTracker

IssueTracker

Company 2

The organization behind the API

Website

Website

About

About

Source (apis.yml)

aid: wacai
name: wacai
description: Wacai (挖财, Hangzhou Wacai Network Technology Co., Ltd.) is a Chinese fintech and personal-finance company founded
  in 2009, best known for its "挖财记账" personal accounting and bookkeeping app and its internet wealth-management platform.
  Beyond its consumer apps, Wacai operates a partner-facing open API gateway (挖财开放平台) at open.wacai.com that exposes services
  through a single JSON-over-HTTPS entry point using appKey/appSecret signed requests, with official client SDKs published
  for Java (Maven Central), Node.js, PHP, Go, and C#. It was surfaced as a portfolio company of Qiming Venture Partners.
deliveryModel:
  model: library
  license_evidence:
    not_product:
    - wacai/wacai-open-sdk
  open_source: unknown
  commercial: false
  callable_host: false
  label: Library · distributed through package registries, no callable service
  confidence: low
  source:
  - repository-not-product
  generated: '2026-09-25'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-09-03'
  method: derived
image: https://www.wacai.com/website/favicon.ico
url: https://raw.githubusercontent.com/api-evangelist/wacai/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- qiming
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Fintech
- Personal Finance
- Accounting
- Wealth Management
- Open Platform
- API Gateway
- China
apis:
- name: Wacai Open API Gateway
  description: Partner-facing API gateway for the Wacai open platform. Callers POST JSON to a single gateway entry, addressing
    operations by (apiName, apiVersion) and authenticating with appKey/appSecret HMAC request signing. No public OpenAPI is
    published; the protocol and client SDKs are documented in the wacai GitHub org.
  humanURL: https://github.com/wacai/wacai-open-sdk
  baseURL: https://open.wacai.com/gw/api_entry
  properties:
  - type: SourceCode
    url: https://github.com/wacai/wacai-open-sdk
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: IssueTracker
  url: https://github.com/wacai/wacai-open-sdk/issues
- type: DomainSecurity
  url: security/wacai-domain-security.yml
- type: Website
  url: https://www.wacai.com
- type: About
  url: https://www.wacai.com/intro/aboutus.jsp
- type: GitHubOrganization
  url: https://github.com/wacai
- type: Documentation
  url: https://github.com/wacai/wacai-open-sdk/tree/master/doc
- type: Packages
  url: packages/wacai-packages.yml
- type: SDKs
  url: packages/wacai-packages.yml
- type: Authentication
  url: authentication/wacai-authentication.yml
- type: Conventions
  url: conventions/wacai-conventions.yml
- type: WellKnown
  url: well-known/wacai-well-known.yml
- type: LLMsTxt
  url: llms/wacai-llms.txt
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 6
  pass: local-v1

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