aid: savvymoney
name: SavvyMoney
description: 'SavvyMoney is a Dublin, California based financial technology company that
  supplies credit score, credit monitoring, financial wellness, pre-qualified offer and
  digital account-opening software to banks and credit unions. Its platform is delivered
  embedded inside a financial institution''s existing online and mobile banking rather than
  as a standalone destination, and SavvyMoney states it is live across 70+ pre-built
  integrations spanning 40+ digital banking platforms including Alkami, Fiserv, Q2, Lumin
  and Candescent. The technical surface partners integrate against is a partner-scoped REST
  API on creditscore.savvymoney.com: a JWT-based Single Sign-On API (authenticate, sign-on,
  optional browser fingerprint, prolong, log off, and a RelayPost form endpoint) that hands
  a partner''s authenticated member into SavvyMoney without a second credential, plus an
  External Credit API that returns User Status and User Credit Score data so the partner can
  render score, score change and monitoring alerts in its own UI. Embeddable iFrame widgets
  (score widget, offer widget, desktop and mobile dashboards) are published alongside the API,
  and a documented beta environment runs at creditscoretest.savvymoney.com. Credentials, the
  full API document and the partner hub are gated behind a partner agreement; no OpenAPI,
  AsyncAPI, SDK, MCP server or agent card is published publicly.'
url: https://raw.githubusercontent.com/api-evangelist/savvymoney/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.savvymoney.com/wp-content/uploads/2022/12/cropped-SM_favicon-180x180-1-180x180.png
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-08-26'
modified: '2026-08-26'
tags:
- Company
- Financial-Services
- Credit Scores
- Credit Monitoring
- Financial Wellness
- Banking
- Credit Unions
- Fintech
- Single Sign-On
- Embedded Finance
- Lending
- Account Opening
tags_raw:
- Company
- Financial Services
- Credit Scores
- Credit Monitoring
- Financial Wellness
- Banking
- Credit Unions
- Fintech
- Single Sign On
- Embedded Finance
- Lending
- Account Opening
apis:
- name: SavvyMoney SSO REST API
  description: 'JWT-based Single Sign-On REST API that lets a partner''s online or mobile
    banking platform transfer an authenticated member into SavvyMoney without a second set of
    credentials. Publicly documented operations are an authentication call that returns a
    short-lived authorization code, an optional browser fingerprint call, a sign-on call that
    exchanges the code for an access token and redirect URL, a prolong call that extends the
    token, a log off call that revokes it immediately, and a RelayPost form endpoint used for
    iFrame embedding. Member attributes are passed as an attributes[] array and may be AES/CBC
    encrypted. Access tokens expire in 10 minutes. TLS 1.2 only.'
  humanURL: https://hub.savvymoney.com/sphub/cms/delivery/media/MCTB4AZJKJRJBWFAXB4W2WLUCAPQ
  baseURL: https://creditscore.savvymoney.com
  tags:
  - Single Sign-On
  - Authentication
  - JWT
  - Credit Scores
  tags_raw:
  - Single Sign On
  - Authentication
  - JWT
  - Credit Scores
  properties:
  - type: Documentation
    url: https://hub.savvymoney.com/sphub/cms/delivery/media/MCTB4AZJKJRJBWFAXB4W2WLUCAPQ
  - type: Authentication
    url: authentication/savvymoney-authentication.yml
  - type: Sandbox
    url: sandbox/savvymoney-sandbox.yml
  - type: ErrorCatalog
    url: errors/savvymoney-problem-types.yml
  - type: Conventions
    url: conventions/savvymoney-conventions.yml
  - type: DataModel
    url: data-model/savvymoney-data-model.yml
- name: SavvyMoney External Credit API
  description: 'Partner-facing REST API that returns select credit data for an SSO-identified
    member so the partner can render it inside its own experience. SavvyMoney''s published
    Mobile Integration Guide names two operations: User Status, which returns whether a member
    is enrolled in SavvyMoney so the partner can show its own marketing message to non-enrolled
    users, and User Credit Score, which returns the member''s credit score, score rating,
    monitoring alerts and the date of the latest score pull. Called with the access token issued
    by the SSO API in an HTTP Authorization header. The full endpoint reference lives in the
    partner-gated "SavvyMoney API Document".'
  humanURL: https://hub.savvymoney.com/sphub/cms/delivery/media/MCS7KWMTKCWNE7VNGJI5TFUISKCY
  baseURL: https://creditscore.savvymoney.com
  tags:
  - Credit Scores
  - Credit Monitoring
  - Financial Wellness
  properties:
  - type: Documentation
    url: https://hub.savvymoney.com/sphub/cms/delivery/media/MCS7KWMTKCWNE7VNGJI5TFUISKCY
  - type: Components
    url: components/savvymoney-components.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.savvymoney.com/
- type: Documentation
  url: https://www.savvymoney.com/why-savvymoney/integration-partners/
- type: DeveloperPortal
  url: https://hub.savvymoney.com
- type: Support
  url: https://www.savvymoney.com/book-a-demo/
- type: Blog
  url: https://www.savvymoney.com/category/news/
- type: BlogRSS
  url: https://www.savvymoney.com/feed/
- type: SignUp
  url: https://www.savvymoney.com/book-a-demo/
- type: Login
  url: https://hub.savvymoney.com
- type: TermsOfService
  url: https://www.savvymoney.com/terms-of-service/
- type: PrivacyPolicy
  url: https://www.savvymoney.com/privacy-policy/
- type: StatusPage
  url: https://status.savvymoney.com/
- type: Lifecycle
  url: lifecycle/savvymoney-lifecycle.yml
- type: TrustCenter
  url: https://trust.savvymoney.com/
- type: Compliance
  url: security/savvymoney-trust-center.yml
- type: Security
  url: security/savvymoney-vulnerability-disclosure.yml
- type: VulnerabilityDisclosure
  url: security/savvymoney-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/savvymoney-domain-security.yml
- type: Conformance
  url: conformance/savvymoney-conformance.yml
- type: LLMsTxt
  url: llms/savvymoney-llms.txt
- type: WellKnown
  url: well-known/savvymoney-well-known.yml
- type: OAuthScopes
  url: scopes/savvymoney-scopes.yml
- type: Packages
  url: packages/savvymoney-packages.yml
- type: ChangeLog
  url: changelog/savvymoney-changelog.yml
- type: Plans
  url: plans/savvymoney-plans-pricing.yml
- type: RateLimits
  url: rate-limits/savvymoney-rate-limits.yml
x-enrichment:
  date: '2026-08-26'
  status: enriched
  artifacts_added: 20
  pass: local-v1