aid: zoe-financial
name: Zoe Financial
description: >-
  Zoe Financial is a New York based wealth management technology company operating a two-sided
  platform: Advisor Match, a concierge and algorithmic service connecting individuals with vetted
  independent fiduciary financial advisors, and the Zoe Wealth Platform, an all-in-one TAMP for
  registered investment advisers covering digital account opening, funding and ACAT transfers,
  sub-advisory trade execution, household-level automated rebalancing, tax-loss harvesting, a model
  marketplace, high-yield cash accounts, private labeling and outsourced middle-office operations.
  Zoe Financial, Inc. is an SEC-registered investment adviser (CRD 285158) and affiliate Zoe
  Securities LLC is a FINRA and SIPC member broker-dealer (CRD 326979), custodying through Apex
  Clearing and Charles Schwab. Zoe consumes partner APIs (BridgeFT, Salesforce, eMoney) but
  publishes no public API, SDK, developer portal or machine-readable contract of its own.
image: https://framerusercontent.com/images/j8kosDjvH3CZOxN2ElANyw2FXLg.png
url: https://raw.githubusercontent.com/api-evangelist/zoe-financial/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-09-05'
modified: '2026-09-05'
position: Consuming
tags:
- Wealth Management
- Financial Advisors
- TAMP
- Investment Management
- Registered Investment Adviser
- Brokerage
- Financial Services
- Portfolio Management
- Fintech
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/zoe-financial-domain-security.yml
- type: Website
  url: https://zoefinancial.com/
- type: Blog
  url: https://zoefinancial.com/articles
- type: Support
  url: https://zoefinancial.com/contact-us
- type: Pricing
  url: https://zoefinancial.com/fee-schedule
- type: SignUp
  url: https://my.zoefin.com/find-an-advisor
- type: Login
  url: https://app.zoefin.com/login
- type: TermsOfService
  url: https://zoefinancial.com/terms-of-use
- type: PrivacyPolicy
  url: https://zoefinancial.com/privacy-policy
- type: GitHubOrganization
  url: https://github.com/zoefinancial
- type: Conformance
  url: conformance/zoe-financial-conformance.yml
- type: Compliance
  url: conformance/zoe-financial-conformance.yml
- type: LLMsTxt
  url: llms/zoe-financial-llms.txt
x-enrichment:
  date: '2026-09-05'
  status: minimal
  artifacts_added: 6
  pass: local-v3
x-coverage:
  state: none
  reason: no-developer-program
  detail: >-
    Zoe Financial ships software only as an end-user product — a consumer advisor-match
    site and an authenticated advisor platform — and runs no developer program at all:
    none of the 61 pages in its public sitemap is developer facing, and its one API host
    api.zoefin.com answers 401 from a blanket authorizer even for a fabricated control
    path, so nothing about a contract can be read there.
  evidence:
  - url: https://api.zoefin.com/api/v1/openapi.json
    status: 401
  - url: https://api.zoefin.com/api/v1/zzz-nonexistent-control-9f3a
    status: 401
  - url: https://zoefinancial.com/openapi.json
    status: 404
  - url: https://zoefinancial.com/.well-known/agent-card.json
    status: 404
  - url: https://zoefinancial.com/sitemap.xml
    status: 200
  checked: '2026-09-05'