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

13.6/100 emerging ▬ flat Agent 3/100 human only Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

1 APIs

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

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 13.6/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 5.7 / 20

Access Clarity 0.0 / 20

Operational Transparency 0.3 / 13

Contract Governance 0.0 / 12

Discoverability 7.6 / 10

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

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.

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: unknown
  open_source: unknown
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - repository-unlicensed
  generated: '2026-08-28'
  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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