X1

X1 was a San Francisco fintech behind the X1 Card, a smart Visa credit card that set limits based on income rather than credit score, backed by Craft Ventures. Robinhood acquired X1 in 2023 and folded the product into what is now the Robinhood Gold Card; x1creditcard.com and api.x1creditcard.com redirect to robinhood.com (probed 2026-07-21). X1 never published a public developer API, ships no SDK packages, and has no GitHub organization, so this profile records the acquisition and the domain-security posture of the remaining domain and points to the Robinhood profile in the API Evangelist network.

X1 is profiled on the APIs.io network. Tagged areas include Company, Fintech, Credit Cards, Consumer Finance, and Payments.

🌐 Visit website 📡 Profile data on GitHub

3.4/100 minimal ▬ flat Agent 0/100 human only Front door AI 1/6 silent Full breakdown ↓
scored 2026-10-23 · rubric v0.25.0 · Show this score on your site →

0 APIs

Company Fintech Credit Cards Consumer Finance Payments Acquired

Kin Score

Kin Score How this is scored →
scored 2026-10-23 · rubric v0.25.0

Composite quality — 3.4/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.0 / 17

Access Clarity 0.0 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.7 / 9

Regulatory Posture 0.8 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 0 / 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

Pagination 5 / 5

Distinct Operations 3 / 3

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

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.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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<a href="https://apis.io/providers/x1/"><img src="https://apis.io/badge/x1/card.svg" alt="X1 on APIs.io — Kin Score by API Evangelist"></a>

Other styles, a README pill and a shields.io endpoint are on the badge page.

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/x1: 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 →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

X1 Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Company 1

The organization behind the API

Website

Website

Source (apis.yml)

aid: x1
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - url: https://x1creditcard.com
    status: 302
    note: declared website redirects to https://robinhood.com/creditcard/ — a different registrable domain (x1creditcard.com
      -> robinhood.com), possible rename or acquisition (probed 2026-09-03, roadmap#169)
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/x1.png
name: X1
description: X1 was a San Francisco fintech behind the X1 Card, a smart Visa credit card that set limits based on income rather
  than credit score, backed by Craft Ventures. Robinhood acquired X1 in 2023 and folded the product into what is now the Robinhood
  Gold Card; x1creditcard.com and api.x1creditcard.com redirect to robinhood.com (probed 2026-07-21). X1 never published a
  public developer API, ships no SDK packages, and has no GitHub organization, so this profile records the acquisition and
  the domain-security posture of the remaining domain and points to the Robinhood profile in the API Evangelist network.
url: https://raw.githubusercontent.com/api-evangelist/x1/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- craft-ventures
x-tier: stub
x-tier-reason: portfolio-lead
x-status: acquired
x-acquired-by: robinhood
x-acquired-date: '2023'
specificationVersion: '0.23'
x-enrichment:
  date: '2026-07-21'
  status: minimal
  artifacts_added: 2
  pass: local-v1
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Fintech
- Credit Cards
- Consumer Finance
- Payments
- Acquired
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/x1-domain-security.yml
- type: LLMsTxt
  url: llms/x1-llms.txt
- type: Website
  url: https://x1creditcard.com

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