Zeni

Zeni is an AI-powered bookkeeping and finance platform for startups and growing businesses, combining machine-learning automation with a dedicated human finance team. It connects to bank accounts, credit cards, payment platforms, and accounting systems to automatically capture and categorize transactions, reconcile accounts, and produce real-time financial dashboards and reports. Alongside AI bookkeeping, Zeni offers bill pay, employee reimbursements, business checking accounts and credit cards, payroll, tax accounting, and fractional CFO services. Zeni also ships a hosted, read-only MCP (Model Context Protocol) server that lets AI assistants such as Claude, OpenAI Codex, and Google Antigravity securely read a company's live Zeni financials via OAuth. The company reports managing more than $20B in transactions annually.

Zeni is profiled on the APIs.io network. Tagged areas include Company, Fintech, Bookkeeping, Accounting, and Financial Operations.

Zeni’s developer surface includes documentation, pricing, engineering blog, signup flow, authentication, and 12 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

28.4/100 thin ▬ flat Agent 27/100 agent aware Front door AI 6/6 dominant Heartbeat 100/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessSelf serve

0 APIs 1 MCP Servers

Company Fintech Bookkeeping Accounting Financial Operations Startups MCP AI Agents

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 28.4/100 · thin

Contract Quality 0.0 / 21

Developer Ergonomics 4.0 / 17

Access Clarity 10.3 / 17

Operational Transparency 1.2 / 11

Contract Governance 1.9 / 10

Discoverability 5.0 / 9

Regulatory Posture 4.4 / 15

Agent readiness — 27/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 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 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 6 / 6

Protected Resource Metadata 5 / 5

Registration Without a Human 6 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) 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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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)

8 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 23.8 — up to +15.2 composite points
Operational Transparency scores 10.5 — up to +11.6 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/zeni/apis.yml: open an issue on github.com/api-evangelist/zeni to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 3

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

Model Context Protocol (MCP)

measured — observed by APIs.io (verified)

OAuth 2.0 Protected Resource Metadata

measured — observed by APIs.io (verified)

Dynamic Client Registration

measured — observed by APIs.io (published)

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Zeni MCP Server

Zeni MCP is a hosted, remote Model Context Protocol server that lets AI assistants (Claude, OpenAI Codex, Google Antigravity) read a company's live Zeni financials. It exposes ~...

MCP SERVER

Security Posture 3

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

Zeni Authentication

oauth2 · 1 scheme

SECURITY

Zeni Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Zeni Trust Center

SOC 2 Type II

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

Login

SignUp

SignUp

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 3

MCP servers, agent skills, and machine-readable catalogs

MCPServer

MCPServer

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance

Conformance

Access & Security 5

Authentication, authorization, and security posture

Security

Compliance

TrustCenter

Authentication

DomainSecurity

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: zeni
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  label: Self-serve signup
  confidence: low
  source:
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/zeni.png
name: Zeni
description: Zeni is an AI-powered bookkeeping and finance platform for startups and growing businesses, combining machine-learning
  automation with a dedicated human finance team. It connects to bank accounts, credit cards, payment platforms, and accounting
  systems to automatically capture and categorize transactions, reconcile accounts, and produce real-time financial dashboards
  and reports. Alongside AI bookkeeping, Zeni offers bill pay, employee reimbursements, business checking accounts and credit
  cards, payroll, tax accounting, and fractional CFO services. Zeni also ships a hosted, read-only MCP (Model Context Protocol)
  server that lets AI assistants such as Claude, OpenAI Codex, and Google Antigravity securely read a company's live Zeni
  financials via OAuth. The company reports managing more than $20B in transactions annually.
url: https://raw.githubusercontent.com/api-evangelist/zeni/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- sierra-ventures
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Fintech
- Bookkeeping
- Accounting
- Financial Operations
- Startups
- MCP
- AI Agents
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://zeni.ai/
- type: Documentation
  url: https://www.zeni.ai/product/zeni-mcp
- type: Pricing
  url: https://www.zeni.ai/pricing
- type: Blog
  url: https://www.zeni.ai/blog
- type: Login
  url: https://app.zeni.ai/
- type: SignUp
  url: https://www.zeni.ai/demo/request
- type: TermsOfService
  url: https://www.zeni.ai/legal/terms-of-service
- type: PrivacyPolicy
  url: https://www.zeni.ai/legal/privacy-policy
- type: Security
  url: https://www.zeni.ai/security
- type: Compliance
  url: https://www.zeni.ai/security
- type: TrustCenter
  url: security/zeni-trust-center.yml
- type: MCPServer
  url: mcp/zeni-mcp.yml
- type: WellKnown
  url: well-known/zeni-well-known.yml
- type: LLMsTxt
  url: llms/zeni-llms.txt
- type: Authentication
  url: authentication/zeni-authentication.yml
- type: Conformance
  url: conformance/zeni-conformance.yml
- type: DomainSecurity
  url: security/zeni-domain-security.yml
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 8
  pass: local-v1

Zeni API — frequently asked questions

How do I authenticate with the Zeni API?

Zeni documents its authentication (oauth2 · 1 scheme). The details are profiled on APIs.io as Zeni Authentication.

Does Zeni have an MCP server?

Yes. APIs.io lists 1 MCP server for Zeni: Zeni MCP is a hosted, remote Model Context Protocol server that lets AI assistants (Claude, OpenAI Codex, Google Antigravity) read a company's live Zeni financials. It exposes ~20 read-only tools and

Is the Zeni API ready for AI agents?

Zeni has a Kin Score of 28.4 out of 100 (thin) and an Agent Readiness score of 27.3 (agent-aware), scored by API Evangelist on 2026-11-06.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

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