# Womply

**Canonical:** https://apis.io/providers/womply/  
**Website:** https://womply.com  
**APIs profiled:** 0

Womply (legally Oto Analytics, Inc.) was a small-business software company founded in 2011 by Toby Scammell that spent a decade building marketing, reputation, and payments software for roughly 500,000 Main Street businesses, and during the Paycheck Protection Program built the application-intake and identity-screening technology its lender partners used to process loans for sole proprietors and the smallest businesses. The company sold in 2021 for approximately $1.1 billion and is no longer operating; womply.com today is a primary-source documentary record of Womply's PPP role, sourced to court rulings, the JAMS arbitration award, SBA data, and the company's own production files. No public developer/API surface remains — this profile captures the company's identity and the record site's published artifacts.

## Kin Score — 2.3 / 100 (minimal)

Scored 2026-08-25 under rubric 0.14.0. Trend: flat (+0.0 from 2.3).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 0.0 |
| Commercial Clarity | 0.0 |
| Access Clarity | 0.0 |

Regulatory layer — **Payments**: 9.4 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | 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 |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Womply Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Small Business, Fintech, Payments, Lending, PPP, Software, Historical Record

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