SoFi
SoFi (Social Finance) is a digital personal finance company and federally chartered bank offering an integrated suite of financial products including banking (checking and savings), personal loans, student loan refinancing, private student loans, mortgages, home equity products, active and automated investing, cryptocurrency trading, and credit cards. The platform is unified through the SoFi app and complemented by a SoFi Plus premium membership ($10/month) that unlocks enhanced APY, investment matching, loan rate discounts, and unlimited financial planner access. Third-party integration with SoFi accounts is facilitated through open banking aggregators Plaid and Finicity (Mastercard Open Banking) for consumer-permissioned data access. SoFi's subsidiary Galileo Financial Technologies provides the underlying fintech infrastructure and white-label banking APIs used by major fintech brands globally. SoFi does not publish a first-party consumer-facing open-banking API; consumer account access is aggregator-only (Plaid, Finicity, MX, Akoya). Its real first-party public API surface is B2B/partner-oriented: two documented REST APIs in SoFi's public Postman workspace (a Partner Offer Pre-Qualification API exposing SoFi's PL/SLR underwriting model, and a Home Loan Affiliate Lead API), a Business Banking developer-docs project at docs.sofi.com, and the SoFi Tech Solutions (formerly Galileo) platform at docs.tech.sofi.com.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles SoFi the way a machine reads it — 26 machine-readable artifacts across 4 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — SoFi scores 53.1/100 (developing), with a separate agent-readiness read of 72/100 (agent native). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile SoFi
Each block below is one kind of artifact we hold for SoFi. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 4
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
SoFi Partner Offer Pre-Qualification API
SoFi's partner-offer-api (documented as Partner Offer Pre Qual V2) is a real, first-party external REST API that exposes SoFi's underwriting model to approved partners, returnin...
SoFi Home Loan Affiliate Lead API
SoFi's Home Loan Affiliate Lead API is a real, first-party REST endpoint that lets approved affiliate partners submit home-loan leads to SoFi via POST /afpq/api/v1/affiliate/lea...
SoFi Business Banking API
SoFi Business Banking (marketed as Big Business Banking) is SoFi Bank, N.A.'s API-driven commercial platform combining a nationally chartered bank with direct Federal Reserve ac...
SoFi Tech Solutions Platform API
SoFi Tech Solutions (formerly Galileo Financial Technologies, a SoFi company) is SoFi's B2B fintech platform arm, exposing cloud-native RESTful APIs - Program API (accounts, car...
MCP Servers 1
Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.
Model Context Protocol servers that expose these APIs to AI agents.
sofi-mcp.yml
MCP SERVERPricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the six things the Kin Score reads for commercial clarity.
Published pricing tiers and plan structures.
Sofi Plans Pricing
PLANSRate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Sofi Rate Limits
RATE LIMITSFinOps 1
Cost, billing, and metering signals let a buyer model the financial operations of an API before it's live. We profile them for the same reason we profile pricing: the money is part of the contract.
Cost, billing, and metering signals for API financial operations.
Sofi Finops
FINOPSFeatures 15
The notable capabilities this provider advertises, captured as structured features so they can be searched and compared instead of read one landing page at a time.
Notable capabilities this provider offers.
Scroll within the panel for all 15 ·
Security Posture 2
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for SoFi — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 2
Portal, sign-up, and the first successful call
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 4
Pagination, idempotency, versioning, errors, and events
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 2
Authentication, authorization, and security posture
Operate 3
Status, limits, changes, and where to get help
Commercial 5
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Other 3
Properties that don't map to a standard resource type
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