Cleo AI Data API: Endpoints and Fields

Cleo AI · Lending

Cleo AI: Cash Advance & Money is Cleo AI's chat-first personal finance app for US consumers managing everyday spending and gaps between paydays. Members connect bank accounts through Plaid, view balances and categorized purchases, set Smart Budgets, track recurring bills and income, and manage auto-save goals. Cover provides a salary-advance feature, while Cleo+ brings together advance access, credit monitoring and cashback. The app also includes Equifax-backed credit-score tracking with recommendations, a Cleo Score with badges, a Dwolla-powered cashback wallet and a credit-builder card waitlist. It sits alongside Dave, EarnIn, Brigit, MoneyLion and Albert in the US cash-advance and money-management market.

Cover eligibility records pair possible-loan-amounts, unlockable-amount and badge-unlockable-amount with ineligible-reason and eligible-reason. Advance servicing adds amount-formatted, repayment-date and disbursement-status, while collection records distinguish repayment_date from last_repayment_attempt_date and last_repayment_failure_reason. Lending and servicing teams can use these distinctions to separate eligibility, disbursement and repayment status in their own views.

Linked-bank records combine account-balance, formatted-account-balance and consent-expires-at with transaction-level formatted-amount, merchant and corrected-made-on. Expected bills and pay are anchored by next-payment-expected, with schedule for outgoing charges and frequency for incoming pay. Smart Budget periods supply category-budgets keyed by transaction-category-id, giving household cash planners a way to align spending limits with upcoming obligations and income.

Credit coaching combines score and score-range-name with Equifax factor identifiers such as equifax_reason_code and guidance in cleo_recommendation. The separate Cleo Score contributes a breakdown across bills, savings, credit and budget, while wallet records distinguish cash formatted-balance from rewards points. These field groups support cash-flow monitoring, advance servicing and credit-education integrations; openData Studio turns them into callable open data. The API paths and examples below are synthetic illustrations, not official service addresses.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Open a mobile session
POST /v1/session/handshake osint
Starts the Android session from app launch and returns csrfToken plus authenticated so later Cover, bank and budget calls can attach _cleo_session and X-CSRF-Token.
Auth: Unauthenticated session bootstrap using device_token, platform and optional deep_link_params. The response supplies csrfToken for X-CSRF-Token on later writes and establishes the _cleo_session cookie.
- device_token
- platform
- deep_link_params
- authenticated
- csrfToken
```
POST /v1/session/handshake HTTP/1.1
Content-Type: application/json

{
  "device_token": "<device-token>",
  "platform": "android",
  "deep_link_params": null
}
```
```
{
  "authenticated": true,
  "csrfToken": "<csrf-token>"
}
```

Read signed-in user profile

GET /v1/member/profile osint

Loads the signed-in member: name, email, US address, currency-code, invite-code and enabled-features that gate Cover, credit score and Smart Budget.

Auth: Session cookie (_cleo_session), or Authorisation: Bearer <token>.

first-name
last-name
email
phone-number
date-of-birth
intercom-user-id
currency-code
invite-code
auto-save-enabled
enabled-features
us-state
postcode

GET /v1/member/profile HTTP/1.1
Cookie: _cleo_session=<session>
Authorisation: Bearer <token>

{
  "data": {
    "id": "usr_8f21",
    "type": "users",
    "attributes": {
      "first-name": "Alex",
      "last-name": "Rivera",
      "email": "[email protected]",
      "phone-number": "+15555550114",
      "date-of-birth": "1994-06-12",
      "intercom-user-id": "int_19c",
      "currency-code": "USD",
      "time-zone": "America/New_York",
      "invite-code": "CLEO-ALEX",
      "auto-save-enabled": true,
      "enabled-features": [
        "cover",
        "credit_score",
        "smart_budget"
      ],
      "line-1": "12 Market St",
      "city": "Austin",
      "us-state": "TX",
      "postcode": "78701"
    }
  }
}

List linked bank logins and balances

GET /v1/banking/connections openbanking

Returns Plaid-linked bank logins with per-account formatted-balance plus a meta account-balance rollup used on the home cash tile.

Auth: Session cookie (_cleo_session), or Authorisation: Bearer <token>.

provider-name
provider-code
display-status
consent-expires-at
account-balance
formatted-account-balance
bank-accounts-balance
transaction-count
account-name
formatted-balance

GET /v1/banking/connections?include=accounts HTTP/1.1
Cookie: _cleo_session=<session>

{
  "data": [
    {
      "id": "login_3a1",
      "type": "logins",
      "attributes": {
        "provider-name": "Chase",
        "provider-code": "ins_3",
        "display-status": "active",
        "transaction-count": 842,
        "consent-expires-at": "2026-12-01T00:00:00Z",
        "reconnect-url": null
      }
    }
  ],
  "meta": {
    "account-balance": "1240.55",
    "formatted-account-balance": "$1,240.55",
    "transaction-count": 842,
    "bank-accounts-balance": "1180.12"
  },
  "included": [
    {
      "id": "acc_chk",
      "type": "accounts",
      "attributes": {
        "account-name": "Everyday checking",
        "formatted-balance": "$1,180.12"
      }
    }
  ]
}

Page categorized bank transactions

GET /v1/banking/entries openbanking

Pages the spend feed with merchant, transaction-category, formatted-amount and corrected-made-on for the transactions screen and Spendr chat cards.

Auth: Session cookie (_cleo_session), or Authorisation: Bearer <token>.

amount
formatted-amount
full-description
display-group
corrected-made-on
marked-as-duplicate
transaction-category
merchant

GET /v1/banking/entries?include=transaction_category,merchant&page[size]=300 HTTP/1.1
Cookie: _cleo_session=<session>

{
  "data": [
    {
      "id": "txn_91c",
      "type": "transactions",
      "attributes": {
        "amount": "-42.18",
        "formatted-amount": "$42.18",
        "full-description": "UBER   TRIP",
        "display-group": "spending",
        "corrected-made-on": "2026-10-18",
        "marked-as-duplicate": false
      },
      "relationships": {
        "transaction-category": {
          "data": {
            "id": "cat_food",
            "type": "transaction_categories"
          }
        },
        "merchant": {
          "data": {
            "id": "m_uber",
            "type": "merchants"
          }
        },
        "account": {
          "data": {
            "id": "acc_chk",
            "type": "accounts"
          }
        }
      }
    }
  ]
}

Read daily running balance
GET /v1/cashflow/daily-balances openbanking
Returns a date-keyed map of running checking balance between start_date and end_date for the cash-flow graph.
Auth: Session cookie (_cleo_session), or Authorisation: Bearer <token>.
- start_date
- end_date
- date
- balance
```
GET /v1/cashflow/daily-balances?start_date=2026-10-01&end_date=2026-10-26 HTTP/1.1
Cookie: _cleo_session=<session>
```
```
{
  "2026-10-01": "980.10",
  "2026-10-15": "1240.55",
  "2026-10-26": "1104.22"
}
```

Snapshot Cover eligibility

GET /v1/advance/eligibility openfinance

Runs the Cover underwriting job and returns possible-loan-amounts, unlockable-amount and ineligible-reason for the salary-advance screen.

Auth: Session cookie (_cleo_session), or Authorisation: Bearer <token>. Eligibility is evaluated asynchronously; the resulting job is checked until a decision is available.

eligible
possible-loan-amounts
unlockable-amount
badge-unlockable-amount
classifier-suggested-amounts
ineligible-reason
eligible-reason

GET /v1/advance/eligibility HTTP/1.1
Cookie: _cleo_session=<session>

{
  "data": {
    "id": "job_44e",
    "type": "eligibility_jobs"
  },
  "payload": {
    "extra": {
      "eligible": true,
      "possible-loan-amounts": [
        20,
        50,
        80,
        100
      ],
      "unlockable-amount": 50,
      "badge-unlockable-amount": 20,
      "classifier-suggested-amounts": [
        50,
        80
      ],
      "ineligible-reason": null,
      "eligible-reason": "income_detected"
    }
  }
}

Read active Cover / salary-advance state

GET /v1/advance/overview openfinance

Loads whether Cover is in sticky-eligibility, active-loan or cool-off, with amount-formatted, repayment-date and disbursement-status for the advance tile.

Auth: Session cookie (_cleo_session), or Authorisation: Bearer <token>.

state
amount-formatted
expires-at
days-till-due
days-overdue
due-soon
repayment-date
disbursement-status
express
end-at-formatted

GET /v1/advance/overview HTTP/1.1
Cookie: _cleo_session=<session>

{
  "data": {
    "id": "odc_1",
    "type": "advance_overviews",
    "attributes": {
      "state": "active-loan",
      "sticky-eligibility": null,
      "active-loan": {
        "amount-formatted": "$80.00",
        "days-till-due": 6,
        "days-overdue": 0,
        "due-soon": true,
        "repayment-date": "2026-11-01",
        "disbursement-status": "completed",
        "express": false
      },
      "cool-off": null
    }
  }
}

Read Cover repayment status
GET /v1/advance/collections openfinance
Returns Cover collection state (no_active_loan, not_due, last_repayment_failed, partially_repaid) plus repayment_date for the history modal.
Auth: Session cookie (_cleo_session), or Authorisation: Bearer <token>.
- status
- repayment_date
- last_repayment_attempt_date
- last_repayment_failure_reason
```
GET /v1/advance/collections HTTP/1.1
Cookie: _cleo_session=<session>
```
```
{
  "status": "not_due",
  "repayment_date": "2026-11-01",
  "last_repayment_attempt_date": null,
  "last_repayment_failure_reason": null
}
```

Read current Equifax credit score

GET /v1/credit/report opendata

Returns the current Equifax score, score-range-name and per-factor equifax_reason_code copy shown on the credit-score screen.

Auth: Session cookie (_cleo_session), or Authorisation: Bearer <token>. Requires the credit-score feature.

score
score-range-name
score-ranges
generated-at
equifax_reason_code
equifax_description
equifax_factor_effect
cleo_header
cleo_recommendation

GET /v1/credit/report HTTP/1.1
Cookie: _cleo_session=<session>

{
  "data": {
    "id": "cs_2026_10",
    "type": "credit_scores",
    "attributes": {
      "score": 642,
      "score-range-name": "fair",
      "generated-at": "2026-10-12T08:01:00Z",
      "score-ranges": [
        {
          "name": "poor",
          "min": 300,
          "max": 579
        },
        {
          "name": "fair",
          "min": 580,
          "max": 669
        }
      ],
      "score-reasons": [
        {
          "equifax_reason_code": "38",
          "equifax_description": "Serious delinquency",
          "equifax_factor_effect": "negative",
          "cleo_header": "Late payments",
          "cleo_description": "A collection is still reporting.",
          "cleo_recommendation": "Bring past-due accounts current."
        }
      ]
    }
  }
}

List cashback wallets

GET /v1/cashback/accounts openfinance

Lists Dwolla cashback wallets with balance, formatted-balance and suspended/active flags for the wallet screen.

Auth: Session cookie (_cleo_session), or Authorisation: Bearer <token>.

currency
balance
formatted-balance
suspended
active

GET /v1/cashback/accounts?include_inactive=true HTTP/1.1
Cookie: _cleo_session=<session>

{
  "data": [
    {
      "id": "wal_usd",
      "type": "wallets",
      "attributes": {
        "currency": "USD",
        "balance": "12.40",
        "formatted-balance": "$12.40",
        "suspended": false,
        "active": true
      }
    }
  ]
}

Read Smart Budgets and category caps

GET /v1/planning/category-limits opendata

Returns the current Smart Budget window and per-category amount caps (transaction-category-id, emoji) for the budget graph.

Auth: Session cookie (_cleo_session), or Authorisation: Bearer <token>.

amount
start-date
end-date
current
category-budgets
transaction-category-id
name
emoji

GET /v1/planning/category-limits?include=category_budgets HTTP/1.1
Cookie: _cleo_session=<session>

{
  "data": [
    {
      "id": "sb_oct",
      "type": "smart_budgets",
      "attributes": {
        "amount": "1800.00",
        "start-date": "2026-10-01",
        "end-date": "2026-10-31",
        "current": true,
        "category-budgets": [
          {
            "id": "cb_food",
            "amount": "350.00",
            "transaction-category-id": 14,
            "name": "Eating out",
            "emoji": "",
            "color": "#FF6B4A"
          }
        ]
      }
    }
  ]
}

List detected recurring bills

GET /v1/planning/obligations opendata

Lists outgoing recurring bills with display-amount, next-payment-expected and schedule for the bills calendar.

Auth: Session cookie (_cleo_session), or Authorisation: Bearer <token>.

description
amount
display-amount
next-payment-expected
schedule
merchant

GET /v1/planning/obligations HTTP/1.1
Cookie: _cleo_session=<session>

{
  "data": [
    {
      "id": "bill_netflix",
      "type": "recurring_out",
      "attributes": {
        "description": "STREAMING SUBSCRIPTION",
        "amount": "15.49",
        "display-amount": "$15.49",
        "next-payment-expected": "2026-11-04",
        "schedule": "monthly",
        "icon": "tv"
      }
    }
  ]
}

List detected recurring income

GET /v1/planning/paychecks opendata

Lists incoming pay with formatted-amount, next-payment-expected and frequency used to size Cover and the income screen.

Auth: Session cookie (_cleo_session), or Authorisation: Bearer <token>.

description
amount
formatted-amount
next-payment-expected
frequency
merchant

GET /v1/planning/paychecks HTTP/1.1
Cookie: _cleo_session=<session>

{
  "data": [
    {
      "id": "inc_payroll",
      "type": "recurring_in",
      "attributes": {
        "description": "ACME PAYROLL",
        "amount": "1840.00",
        "formatted-amount": "$1,840.00",
        "next-payment-expected": "2026-11-01",
        "frequency": "biweekly"
      }
    }
  ]
}

Read Cleo Score breakdown

GET /v1/wellbeing/scorecard opendata

Returns the in-app Cleo Score, max, status and per-pillar breakdown that drives badges and Cover unlock amounts.

Auth: Session cookie (_cleo_session), or Authorisation: Bearer <token>. Requires the Cleo Score feature.

score
max
status
breakdown

GET /v1/wellbeing/scorecard HTTP/1.1
Cookie: _cleo_session=<session>

{
  "data": {
    "id": "score_usr_8f21",
    "type": "cleo_scores",
    "attributes": {
      "score": 64,
      "max": 100,
      "status": "good",
      "breakdown": {
        "bills": 18,
        "savings": 12,
        "credit": 20,
        "budget": 14
      }
    }
  }
}

Read cashback rewards wallet balance
GET /v1/cashback/point-ledger/current openfinance
Returns the current cashback points balance shown on the rewards wallet tile.
Auth: Session cookie (_cleo_session), or Authorisation: Bearer <token>. Requires the rewards feature.
- balance
```
GET /v1/cashback/point-ledger/current HTTP/1.1
Cookie: _cleo_session=<session>
```
```
{
  "data": {
    "id": "rw_usr_8f21",
    "type": "reward_wallets",
    "attributes": {
      "balance": 2400
    }
  }
}
```

Where teams use this data

Cover underwriting replay
A lending stack can pull possible-loan-amounts, unlockable-amount and ineligible-reason from the Cover snapshot, then reconcile active-loan amount-formatted and disbursement-status against repayment_date so servicing knows whether the next collection is not_due or last_repayment_failed.
Linked-bank cash-flow monitor
A PFM or collections bot can read meta account-balance plus per-login formatted-balance, page categorized transactions (formatted-amount, merchant, corrected-made-on) and overlay the running_balance date map to flag a low-cash window before the next Cover draw.
Credit-factor coaching feed
A credit-education surface can take score, score-range-name and each equifax_reason_code / cleo_recommendation pair from the current credit-score payload and pair it with Cleo Score breakdown pillars to rank which habit (bills, savings, budget) to push next.
Bill-versus-pay calendar
A household cash planner can merge recurring/out display-amount and next-payment-expected with recurring/in frequency and formatted-amount, then clip those dates against Smart Budget category-budgets for the current window.

Frequently asked questions

Are these live Cleo API endpoints, and how does authentication work?

No. The paths and request/response examples are synthetic illustrations of the data covered on this page, not official public service addresses or working credentials. They illustrate a session cookie or a Bearer token in an Authorisation header; session startup supplies csrfToken, which is used in X-CSRF-Token for later writes. All device, session and token values shown are placeholders, and access to personal financial information requires appropriate authorization.

Which fields describe Cover eligibility and an active salary advance?

Eligibility includes eligible, possible-loan-amounts, unlockable-amount, badge-unlockable-amount, classifier-suggested-amounts and decision reasons. Active-advance details add state, amount-formatted, repayment-date, days-till-due and disbursement-status. Repayment records separately report status, repayment_date, last_repayment_attempt_date and last_repayment_failure_reason.

Which bank, transaction, bill, income and budget fields support cash-flow monitoring?

Bank connections include provider-name, display-status and consent-expires-at, plus account-balance and formatted-account-balance totals; account details include account-name and formatted-balance. Transactions pair formatted-amount and full-description with merchant, transaction-category and corrected-made-on, and daily balance records cover the selected start_date and end_date. Detected bills carry display-amount, next-payment-expected and schedule, while income records carry formatted-amount, next-payment-expected and frequency. Smart Budgets define a start-date and end-date, an overall amount and category-budgets linked by transaction-category-id, allowing a planner to compare expected cash movements with category spending limits.

How do Equifax scores, Cleo Score and cashback balances differ?

The credit-score records combine score, score-range-name, generated-at and Equifax factor details such as equifax_reason_code with cleo_recommendation. Cleo Score instead supplies score, max, status and a breakdown across financial habits. Cashback cash wallets carry currency, balance, formatted-balance, active and suspended, while rewards records show a points balance.

Apps similar to Cleo AI: Cash Advance & Money

Dave — Dave ExtraCash advances $25–$500 with no credit check, interest, or late fees, typically authorized within five minutes after linking a bank.
EarnIn — EarnIn Cash Out lets U.S. workers access wages they have already earned — up to $200 a day and $1,000 per pay period — with no interest, no credit check, and no mandatory fees.
Brigit — Brigit Instant Cash advances $25–$500 with no credit check, interest, or late fees, and also offers a credit-builder account that reports to Experian, Equifax and TransUnion.
MoneyLion — MoneyLion Instacash advances up to $500 with no interest, no monthly fees and no credit check, alongside a MoneyLion Spend account and Credit Builder loans.
Albert — Albert combines budgeting and banking with Instant Advances of $25–$1,000 (subject to eligibility) and Genius, an in-app AI money assistant.
Klover — Klover lets users link a bank account and take a cash advance of up to $750 with no credit check, no interest and no late fees.
Tilt — Tilt Cash Advance sends $10–$500 with no interest, no late fees and no credit check, with optional instant delivery that may carry a fee.

More Lending apps

Topics

Cleo AI data API
Cleo Cover eligibility
Cleo salary advance fields
Cleo linked bank balances
Cleo transaction data
Equifax credit score factors
Cleo Smart Budget
Cleo repayment status
Cleo cashback wallet
Cleo Score breakdown

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Cleo AI Data API: Endpoints and Fields

Screenshots

API surface

Open a mobile session

Read signed-in user profile

List linked bank logins and balances

Page categorized bank transactions

Read daily running balance

Snapshot Cover eligibility

Read active Cover / salary-advance state

Read Cover repayment status

Read current Equifax credit score

List cashback wallets

Read Smart Budgets and category caps

List detected recurring bills

List detected recurring income

Read Cleo Score breakdown

Read cashback rewards wallet balance

Data categories

Where teams use this data

Cover underwriting replay

Linked-bank cash-flow monitor

Credit-factor coaching feed

Bill-versus-pay calendar

Frequently asked questions

Apps similar to Cleo AI: Cash Advance & Money

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Topics

Need this app's data API integrated?

Cleo AI Data API: Endpoints and Fields

Screenshots

API surface

Open a mobile session

Read signed-in user profile

List linked bank logins and balances

Page categorized bank transactions

Read daily running balance

Snapshot Cover eligibility

Read active Cover / salary-advance state

Read Cover repayment status

Read current Equifax credit score

List cashback wallets

Read Smart Budgets and category caps

List detected recurring bills

List detected recurring income

Read Cleo Score breakdown

Read cashback rewards wallet balance

Data categories

Where teams use this data

Cover underwriting replay

Linked-bank cash-flow monitor

Credit-factor coaching feed

Bill-versus-pay calendar

Frequently asked questions

Related apps

Apps similar to Cleo AI: Cash Advance & Money

More Lending apps

BAF Mobile - Cicilan Pinjaman

Bright: Loans & Credit Builder

Cairin: Pinjaman Daring Cepat

CASHe: Quick Personal Loan App

Topics

Need this app's data API integrated?