Zoe Financial

Zoe Financial is a New York based wealth management technology company operating a two-sided platform: Advisor Match, a concierge and algorithmic service connecting individuals with vetted independent fiduciary financial advisors, and the Zoe Wealth Platform, an all-in-one TAMP for registered investment advisers covering digital account opening, funding and ACAT transfers, sub-advisory trade execution, household-level automated rebalancing, tax-loss harvesting, a model marketplace, high-yield cash accounts, private labeling and outsourced middle-office operations. Zoe Financial, Inc. is an SEC-registered investment adviser (CRD 285158) and affiliate Zoe Securities LLC is a FINRA and SIPC member broker-dealer (CRD 326979), custodying through Apex Clearing and Charles Schwab. Zoe consumes partner APIs (BridgeFT, Salesforce, eMoney) but publishes no public API, SDK, developer portal or machine-readable contract of its own.

Zoe Financial is profiled on the APIs.io network. Tagged areas include Wealth Management, Financial Advisors, TAMP, Investment Management, and Registered Investment Adviser.

Zoe Financial’s developer surface includes engineering blog, support, pricing, signup flow, and 9 more developer resources.

🌐 Visit website 📡 Source on GitHub
22.0/100 emerging Agent 3/100 human only Full breakdown ↓
scored 2026-09-05 · rubric v0.18.3
0 APIs
Wealth ManagementFinancial AdvisorsTAMPInvestment ManagementRegistered Investment AdviserBrokerageFinancial ServicesPortfolio ManagementFintech

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-05 · rubric v0.18.3
Composite quality — 22.0/100 · emerging
Contract Quality 0.0 / 21
Developer Ergonomics 1.2 / 17
Access Clarity 8.9 / 17
Operational Transparency 0.6 / 11
Contract Governance 1.9 / 10
Discoverability 4.3 / 9
Regulatory Posture 7.5 / 15
Agent readiness — 3/100 · 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 7 / 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
Regulatory Posture applies to this provider. Its tags matched the Securities & Market Data regime (on an ambiguous tag, where no other regime matched), 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.
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/.
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/zoe-financial: 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 →

Pricing Plans 1

Published pricing tiers and plan structures.

Zoe Financial Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Zoe Financial Rate Limits

0 limits

RATE LIMITS

Security Posture 1

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

Zoe Financial Domain Security

TLSv1.3 · HSTS

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

SignUp
SignUp
 Login
Login

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt
LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Conformance
Conformance

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity
 Compliance
Compliance

Operate 1

Status, limits, changes, and where to get help

Support
Support

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)

apis.yml Raw ↑ 
aid: zoe-financial
name: Zoe Financial
description: 'Zoe Financial is a New York based wealth management technology company operating a two-sided platform: Advisor
  Match, a concierge and algorithmic service connecting individuals with vetted independent fiduciary financial advisors,
  and the Zoe Wealth Platform, an all-in-one TAMP for registered investment advisers covering digital account opening, funding
  and ACAT transfers, sub-advisory trade execution, household-level automated rebalancing, tax-loss harvesting, a model marketplace,
  high-yield cash accounts, private labeling and outsourced middle-office operations. Zoe Financial, Inc. is an SEC-registered
  investment adviser (CRD 285158) and affiliate Zoe Securities LLC is a FINRA and SIPC member broker-dealer (CRD 326979),
  custodying through Apex Clearing and Charles Schwab. Zoe consumes partner APIs (BridgeFT, Salesforce, eMoney) but publishes
  no public API, SDK, developer portal or machine-readable contract of its own.'
image: https://framerusercontent.com/images/j8kosDjvH3CZOxN2ElANyw2FXLg.png
url: https://raw.githubusercontent.com/api-evangelist/zoe-financial/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-09-05'
modified: '2026-09-05'
position: Consuming
tags:
- Wealth Management
- Financial Advisors
- TAMP
- Investment Management
- Registered Investment Adviser
- Brokerage
- Financial Services
- Portfolio Management
- Fintech
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/zoe-financial-domain-security.yml
- type: Website
  url: https://zoefinancial.com/
- type: Blog
  url: https://zoefinancial.com/articles
- type: Support
  url: https://zoefinancial.com/contact-us
- type: Pricing
  url: https://zoefinancial.com/fee-schedule
- type: SignUp
  url: https://my.zoefin.com/find-an-advisor
- type: Login
  url: https://app.zoefin.com/login
- type: TermsOfService
  url: https://zoefinancial.com/terms-of-use
- type: PrivacyPolicy
  url: https://zoefinancial.com/privacy-policy
- type: GitHubOrganization
  url: https://github.com/zoefinancial
- type: Conformance
  url: conformance/zoe-financial-conformance.yml
- type: Compliance
  url: conformance/zoe-financial-conformance.yml
- type: LLMsTxt
  url: llms/zoe-financial-llms.txt
x-enrichment:
  date: '2026-09-05'
  status: minimal
  artifacts_added: 6
  pass: local-v3
x-coverage:
  state: none
  reason: no-developer-program
  detail: 'Zoe Financial ships software only as an end-user product — a consumer advisor-match site and an authenticated advisor
    platform — and runs no developer program at all: none of the 61 pages in its public sitemap is developer facing, and its
    one API host api.zoefin.com answers 401 from a blanket authorizer even for a fabricated control path, so nothing about
    a contract can be read there.'
  evidence:
  - url: https://api.zoefin.com/api/v1/openapi.json
    status: 401
  - url: https://api.zoefin.com/api/v1/zzz-nonexistent-control-9f3a
    status: 401
  - url: https://zoefinancial.com/openapi.json
    status: 404
  - url: https://zoefinancial.com/.well-known/agent-card.json
    status: 404
  - url: https://zoefinancial.com/sitemap.xml
    status: 200
  checked: '2026-09-05'

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