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 9 more developer resources.

🌐 Visit website 📡 Source on GitHub
15.2/100 emerging ▬ flat Agent 14/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
AccessSelf serve
1 APIs
CompanyFintechPersonal FinanceAccountingWealth ManagementOpen PlatformAPI GatewayChina

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 15.2/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 5.2 / 20
Commercial Clarity 0.0 / 20
Operational Transparency 0.7 / 13
Governance 0.0 / 12
Discoverability 9.3 / 10
Agent readiness — 14/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
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 4 / 4
Consent & Bot Identity 0 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. 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. Want it done for you? Prioritized profiling — $2,500 →

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

Company 2

The organization behind the API

Website
Website
 About
About

Source (apis.yml)

apis.yml Raw ↑ 
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.
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: medium
  source:
  - authentication
  generated: '2026-07-22'
  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: '0.20'
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: 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