Clutch
Clutch (withclutch.com) is a US fintech that builds digital origination and lending automation software exclusively for credit unions. The platform spans consumer loan origination, deposit and business account opening, an omnichannel banker workstation (Fulfillment), an automated decisioning engine (Fastlane), targeted remarketing, data insights, and AI assistants — HAL for lending and Emma for collections — packaged as the Clutch Lending Automation System (LAS). Clutch integrates with credit union cores, loan origination systems such as MeridianLink Consumer LOS (LoansPQ), digital banking platforms and decisioning vendors, and reports powering origination for roughly 150 credit unions including six of the ten largest in the United States. Its customer-facing data surface is a File Transfer API and SFTP delivery for daily CSV exports covering lending, account opening, funding, NACHA and HAL conversation datasets; the API reference itself sits behind the customer support login.
More than an index entry, but the surface is still mostly links rather than artifacts — the cohort most likely to move a full band from modest, well-targeted work.
API Evangelist profiles Clutch the way a machine reads it — 9 machine-readable artifacts across 1 API, 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 — Clutch scores 25.5/100 (emerging), with a separate agent-readiness read of 0/100 (human only). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Why this profile is thin
Clutch's public knowledge base documents a File Transfer API and publishes full field dictionaries for its five daily data exports, but the File Transfer API reference article itself 302s to the Freshdesk customer login (error=login_required), so no base URL, authentication scheme, endpoint list or machine-readable spec is publicly readable.
An API exists — we simply could not reach the contract without credentials or a sales conversation. This one is Clutch's to change: publishing the reference and a machine-readable spec at a public URL, while keeping key issuance behind whatever gate they like, would let an integrator evaluate the API before committing to a call.
What we probed
https://support.withclutch.com/support/solutions/articles/153000248800→ HTTP 302https://support.withclutch.com/support/solutions/articles/153000254486-data-exports-api-vs-sftp-delivery→ HTTP 200https://api.clutch.partners/openapi.json→ HTTP 404https://withclutch.com/openapi.json→ HTTP 404
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 2026-08-17 · rubric v0.11.0
Put this on your own site. The badge is drawn live from Clutch's current Kin Score — paste it once and it updates itself every time the score is recomputed. It follows your visitor's light or dark setting, and it links back here so anyone who sees it can read the full breakdown.
<!-- Kin Score · API Evangelist -->
<a href="https://providers.apievangelist.com/providers/withclutch/"
title="Clutch on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/withclutch.svg"
alt="Clutch Kin Score — API readiness rating by API Evangelist" width="150" height="150" loading="lazy">
</a>[](https://providers.apievangelist.com/providers/withclutch/)<!-- Kin Score · API Evangelist -->
<a href="https://providers.apievangelist.com/providers/withclutch/"
title="Clutch on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/withclutch/card.svg"
alt="Clutch Kin Score — API readiness rating by API Evangelist" width="340" height="120" loading="lazy">
</a>More shapes, themes and sizes → · Score as JSON · How badges work
How we profile Clutch
Each block below is one kind of artifact we hold for Clutch. 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 1
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.
Clutch Data Exports File Transfer API
Clutch delivers daily origination datasets to credit union customers over either SFTP or a File Transfer API. The public knowledge base documents the datasets (lending, account ...
JSON Schema 5
Standalone JSON Schema definitions describe the data models behind the API. We profile them so the shapes are validatable on their own — useful long after a single request is forgotten.
Standalone JSON Schema definitions for this provider's data models.
Clutch Account Opening Data Export record
JSON SCHEMAClutch Funding Data Export record
JSON SCHEMAClutch HAL Data Export record
JSON SCHEMAClutch Lending Data Export record
JSON SCHEMAClutch NACHA Data Export record
JSON SCHEMASecurity Posture 3
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.
Resources
Every other property we hold for Clutch — 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.
Documentation 1
Reference material describing how the API behaves
Agent Surfaces 1
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 3
Pagination, idempotency, versioning, errors, and events
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 5
Authentication, authorization, and security posture
Operate 2
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 3
The organization behind the API
Other 1
Properties that don't map to a standard resource type
← All providers · Data indexed from github.com/api-evangelist/withclutch · machine-readable index on apis.io
This is an independent, third-party profile of Clutch, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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you will get a person, not a form — we will tell you exactly which public URLs this profile was built from.