# wacai

**Canonical:** https://apis.io/providers/wacai/  
**Website:** https://www.wacai.com  
**APIs profiled:** 1

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.

## Kin Score — 13.6 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 13.6).

| Facet | Score |
|---|---|
| Discoverability | 75.9 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 28.6 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

## Agent readiness — 8.5 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| 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

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (1)

- **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 (2)

- **Wacai Authentication** — apiKey/hmac-signature · 2 schemes
- **Wacai Domain Security** — TLSv1.2 · DNSSEC

## Tags

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

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