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apis.json,llms.txtand similar), its public repositories, and its public status, pricing and changelog pages. Nothing here is obtained by breaching a system, defeating an access control, or using credentials of any kind.The rating is an independent assessment. The Kin Score and Agent Readiness rating are independently calculated scores of a company's public API artifacts, produced by API Evangelist against a published rubric. They are not certifications, endorsements, security assessments, or audits, and they score published artifacts — not the quality, safety, or security of the software.
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Full detail: Where this data comes from
Allowance is a consumer trust layer for AI agent payments, backed by Y Combinator. It lets people give AI agents limited, revocable spending power without ever sharing a real credit card number. An agent proposes a spending mandate (a permission object with a budget, merchant and category restrictions, and a time limit); the human owner approves it from the Allowance iOS app; and Allowance then issues single-use virtual cards (PAN, expiry, CVV) that are amount-capped, merchant-locked, and short-lived so the agent can complete checkout autonomously within the approved rules. Allowance exposes a pre-launch OpenAPI 3.1 REST API, a hosted remote MCP server, a published agent SKILL.md, a CLI (PyPI and npm), plus ChatGPT and Claude connectors. The mandate model is designed as a natural precursor to the AP2 Agent Payments Protocol.
Areas: Company · Payments · Agentic Payments · AI Agents · Virtual Cards · Fintech · MCP · Consumer Trust · Spending Controls · AP2
Everything profiled for Allowance is published on APIs.io rather than in this repository. Start at the provider page — apis.io/providers/allowance/ — or go straight to one of the APIs or properties below.
- Allowance Mandates API — The Mandates API from Allowance — 5 operation(s) for mandates.
- Allowance Pricing API — The Pricing API from Allowance — 1 operation(s) for pricing.
- Allowance Status API — The Status API from Allowance — 1 operation(s) for status.
Each property below is a page on APIs.io carrying the machine-readable artifact and what it says.
Multi-step workflows that chain operations into a business task.
Event-driven and webhook contracts.
Model Context Protocol servers that expose the API to agents.
Which operations an agent can call, which act, and which need a human in the loop.
Postman and Open Collection request collections.
OpenAPI overlays, including conversational phrasing for each operation.
Authentication, trust centre, and vulnerability disclosure.
The permissions the API asks for.
Links to the company's own pages. This repository publishes no copy of their specifications — the canonical document is theirs and lives at the URLs below.
- Website
- Documentation
- Getting started
- API reference
- Pricing
- Sign up
- Support
- Blog
- Terms of service
- Privacy policy
- Status
Kin Score 52.1 — developing · rubric 0.25.0 · scored 2026-10-23
| Facet | Score |
|---|---|
| Discoverability | 75.0 |
| Contract quality | 55.5 |
| Contract governance | 4.5 |
| Operational transparency | 23.7 |
| Developer ergonomics | 71.4 |
| Access clarity | 44.7 |
Agent readiness 67.6 — agent-native
| Agent-readiness dimension | Result |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived (partial credit) |
| Reversibility Documented | — |
| MCP Server | verified |
| Auth Clarity | served (partial credit) |
| Idempotency | verified |
| Error Semantics | documented (partial credit) |
| OpenAPI Examples | partial |
| Rate Limit Signal | verified |
| Event Surface Described | yes |
| Agent Skills | yes |
| Well Known Catalog | — |
| Consent Identity | — |
| Agent Card | — |
| Dry Run Mode | — |
| Delegated Identity | served (partial credit) |
| Protected Resource Metadata | verified |
| Dynamic Client Registration | yes |
| Agentic Commerce | — |
| Pagination Ratio | na |
| Operation Distinctiveness | distinct |
Regulatory alignment 31.3 — Payments
The rubric is published at github.com/api-evangelist/kin-score. The per-check breakdown behind these numbers — which checks were earned, partial or missed — along with score history and how this provider compares to its peers, is available at apis.io/providers/allowance/.
API Evangelist profiles a company's public API surface the way a developer would find it: the website, developer portal and documentation, the specifications it publishes, its public repositories, and its pricing, status and changelog pages. From that it derives the properties above — contracts split per API, workflows, schemas, collections, governance rules, plans and rate limits — and scores them against the published Kin Score rubric.
The artifacts are published on APIs.io, not in this repository. This repository is the public record for Allowance: the place to say something is wrong, missing or out of date, and to ask for a re-score or a removal.
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