# Clutch

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

Clutch (withclutch.com) is a US fintech that builds digital origination and lending automation software exclusively for credit unions. The platform spans consumer loan origination, deposit and business account opening, an omnichannel banker workstation (Fulfillment), an automated decisioning engine (Fastlane), targeted remarketing, data insights, and AI assistants — HAL for lending and Emma for collections — packaged as the Clutch Lending Automation System (LAS). Clutch integrates with credit union cores, loan origination systems such as MeridianLink Consumer LOS (LoansPQ), digital banking platforms and decisioning vendors, and reports powering origination for roughly 150 credit unions including six of the ten largest in the United States. Its customer-facing data surface is a File Transfer API and SFTP delivery for daily CSV exports covering lending, account opening, funding, NACHA and HAL conversation datasets; the API reference itself sits behind the customer support login.

## Kin Score — 25.5 / 100 (emerging)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 25.5).

| Facet | Score |
|---|---|
| Discoverability | 66.7 |
| Contract Quality | 2.4 |
| Governance | 12.5 |
| Operational Transparency | 31.6 |
| Developer Ergonomics | 15.2 |
| Commercial Clarity | 36.8 |

Regulatory layer — **Banking & Open Finance**: 38.0 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | 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 |

## APIs (1)

- **Clutch Data Exports File Transfer API** — Clutch delivers daily origination datasets to credit union customers over either SFTP or a File Transfer API. The public knowledge base documents the datasets (lending, account ...

## Security (3)

- **Withclutch Domain Security** — TLSv1.3 · HSTS · DMARC
- **Withclutch Vulnerability Disclosure** — Hackerone · contact published
- **Withclutch Trust Center** — SOC 2 Type 2

## Tags

Company, Credit Unions, Lending, Loan Origination, Account Opening, Financial Services, Fintech, Banking, Data Exports

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