aid: qapital
name: Qapital
description: >-
  Qapital is a consumer personal-finance company founded in 2013 — "born in Stockholm, raised in New
  York City" — that packages saving, spending, investing and budgeting into a single mobile membership
  app built on behavioral-economics research. Its Rules engine automates transfers into user-defined
  Goals (round-ups, guilty pleasure, payday divvy, freelancer tax set-aside and activity-triggered
  saves), a Dream Team feature lets two people save collaboratively, Qapital Invest offers
  risk-weighted portfolios through SEC-registered advisory and brokerage partners, and a Qapital Visa
  debit card and Spending account run on FDIC-member partner banking. The company reports 3.5m+ app
  downloads and roughly $3B collectively saved by members. Qapital sells a subscription — Basic,
  Complete and Premier tiers — rather than a developer product: it publishes no developer portal, no
  API reference and no machine-readable contract of any kind. The only public automation surface it
  offers is a Qapital service on IFTTT (four triggers, three queries, one action), and its own
  api.qapital.com host answers anonymous requests with HTTP 503.
url: https://raw.githubusercontent.com/api-evangelist/qapital/refs/heads/main/apis.yml
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
image: https://www.qapital.com/images/qapital_share.png
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-08-26'
modified: '2026-08-26'
tags:
- Company
- Personal Finance
- Savings
- Banking
- Investing
- Budgeting
- Fintech
- Consumer Applications
- Behavioral Economics
- Mobile Banking
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.qapital.com/
- type: Blog
  url: https://www.qapital.com/blog/
- type: Support
  url: https://help.qapital.com/en/
- type: GitHubOrganization
  url: https://github.com/qapital
- type: Pricing
  url: https://www.qapital.com/pricing/
- type: SignUp
  url: https://www.qapital.com/download/
- type: TermsOfService
  url: https://www.qapital.com/terms/
- type: PrivacyPolicy
  url: https://www.qapital.com/terms/privacy-policy/
- type: Compliance
  url: https://www.qapital.com/security/
- type: Plans
  url: plans/qapital-plans-pricing.yml
- type: RateLimits
  url: rate-limits/qapital-rate-limits.yml
- type: TrustCenter
  url: security/qapital-trust-center.yml
- type: DomainSecurity
  url: security/qapital-domain-security.yml
- type: Integrations
  url: integrations/qapital-ifttt.yml
- type: LLMsTxt
  url: llms/qapital-llms.txt
- type: Conformance
  url: conformance/qapital-conformance.yml
x-enrichment:
  date: '2026-08-26'
  status: minimal
  artifacts_added: 7
  pass: local-v1
x-coverage:
  state: none
  reason: no-developer-program
  detail: >-
    Qapital ships only an end-user mobile membership app: developer.qapital.com and docs.qapital.com
    do not resolve at all, its sitemap lists no developer, docs or API page, and its own
    api.qapital.com host answers every anonymous request — /openapi.json, /swagger.json, /graphql,
    /docs and every /.well-known/ path — with HTTP 503 Service Unavailable, because it is the
    private backend for the iOS and Android apps rather than a published product.
  evidence:
  - url: https://api.qapital.com/openapi.json
    status: 503
  - url: https://www.qapital.com/openapi.json
    status: 404
  - url: https://developer.qapital.com/
    status: 0
  - url: https://www.qapital.com/.well-known/agent-card.json
    status: 404
  - url: https://ifttt.com/qapital
    status: 200
  checked: '2026-08-26'