# Commons

> Commons is an Oakland, California consumer climate-fintech company (founded 2018 by Sanchali
> Seth Pal, known as Joro until March 2023). Its free iOS and Android app links bank accounts and
> credit cards via Plaid and scores every transaction with a proprietary carbon-estimation engine
> (the Carbonizer) into estimated kilograms of CO2e, alongside budgeting, savings goals, brand
> sustainability ratings, rewards and an optional paid carbon-offset membership.

This file was generated by API Evangelist from a third-party profile of Commons' public surface.
It is not published by Commons. Provenance: generated 2026-08-09, method `generated`, source
`apis.yml` + probes of thecommons.earth.

## API surface

Commons publishes **no public API**. As of 2026-08-09 there is no developer portal, no API
reference, no OpenAPI/AsyncAPI/GraphQL contract, no MCP server, no A2A agent card, no `/llms.txt`
and no `/.well-known/` discovery document on any Commons-controlled host. The product is a
direct-to-consumer mobile application; the only third-party API in the stack that Commons
documents publicly is **Plaid**, which it consumes (it does not resell or expose it).

Hosts probed: `www.thecommons.earth` (Webflow), `brands.thecommons.earth` (Next.js),
`exchange.thecommons.earth` (Softr), and the legacy Joro hosts `joro.tech` / `getjoro.com`.
`api.thecommons.earth`, `docs.thecommons.earth` and `developer.thecommons.earth` do not resolve.

## Product

- [Commons](https://www.thecommons.earth/): personal finance app aligning spending with values
- [How it works](https://www.thecommons.earth/how-it-works): the Carbonizer and spend tracking
- [Brand directory](https://brands.thecommons.earth/): expert-rated sustainable brands
- [FAQ](https://www.thecommons.earth/faq): Plaid connection, data handling, availability (US/CA)
- [iOS app](https://apps.apple.com/us/app/commons-smart-money-for-good/id1438446236)
- [Android app](https://play.google.com/store/apps/details?id=tech.joro)

## Company

- [About us](https://www.thecommons.earth/about-us)
- [Careers](https://www.thecommons.earth/careers)
- [Blog](https://www.thecommons.earth/blog) — [RSS](https://www.thecommons.earth/blog/rss.xml)
- [Second Nature podcast](https://www.thecommons.earth/second-nature-podcast)
- [Press kit](https://guiltless-cent-6ba.notion.site/COMMONS-PRESS-KIT-2f7360be3dd74eb9be47643560b945e9)
- [GitHub organization](https://github.com/CommonsTech) — one public repository,
  `commons-offset-portfolio`, publishing carbon-offset provider evaluations (data, not code)
- Contact: info@thecommons.earth

## Policies

- [Terms and conditions](https://www.thecommons.earth/terms-and-conditions)
- [App terms and conditions](https://www.thecommons.earth/app-terms-and-conditions)
- [Privacy policy](https://www.thecommons.earth/privacy-policy)
- [App privacy policy](https://www.thecommons.earth/app-privacy-policy)
- [Carbon markets disclosure](https://www.thecommons.earth/carbon-markets-disclosure)

## API Evangelist artifacts

- [Domain security probe](security/commons-domain-security.yml) — TLS 1.3, HSTS enabled
  (max-age 31536000), SPF present, DMARC present at `p=none`, no DNSSEC, no CAA records
- [apis.yml](apis.yml) — the APIs.json 0.20 profile this file was generated from