# Oportun — API Agent Score

> Score: 40/100 (Grade: F) | Domain: oportun.com | Rubric: 1.0.0 | Checked: July 29, 2026

Oportun scored 40/100 (F), classified "not-ai-ready".

[View full report](https://www.postman.com/ai/ai-ready-apis/company/oportun)
[All organizations](https://www.postman.com/ai/ai-ready-apis/llms.txt)

## Summary

- Overall: 40/100 (F)
- Classification: not-ai-ready

## Category Scores

- API Design: 40/100 (F)
- Developer Experience: 40/100 (F)
- Agent Discovery: 44/100 (F)
- Agent Understanding: 40/100 (F)
- Agent Usability: 40/100 (F)

## Check Results

### API Design

- [fail] Security & governance hygiene — No security.txt at /.well-known/security.txt or /security.txt. Investigated: wellknown 0%.
- [skip] Machine-readable, versioned contract — No surface produced evidence for this capability in this run.
- [skip] Schema coverage & depth — No surface produced evidence for this capability in this run.
- [skip] Auth declared & discoverable — No surface produced evidence for this capability in this run.
- [skip] Example coverage — No surface produced evidence for this capability in this run.

### Developer Experience

- [fail] Self-service developer portal — No self-service signup detected: no signup link found on the homepage or docs, and no conventional signup path (/signup, /sign-up, /register, /get-started, /console/signup, /dashboard/signup, /try, /try-free, /free, /free-trial, /start, /start-free, /join, /create-account, /account/signup, /auth/signup, /users/sign_up) resolved. Investigated: docs 0%.
- [skip] Quickstart present — No surface produced evidence for this capability in this run.
- [skip] Code samples in docs — No surface produced evidence for this capability in this run.
- [skip] Description completeness — No surface produced evidence for this capability in this run.
- [skip] Changelog published — No surface produced evidence for this capability in this run.

### Agent Discovery

- [pass] Crawlable / AEO — Sitemap with 100% lastmod coverage; newest entry < 90 days old. Investigated: wellknown 100%.
- [fail] llms.txt present, valid & comprehensive — No /llms-full.txt found at the candidate origins. Investigated: docs 0%.
- [fail] Registry & SDK presence — Not indexed on Context7 — agents can't pull this API's docs on demand via Context7. Investigated: docs 0%, sdk 0%, cli 0%.
- [skip] Docs reachable, not hard auth-gated — No surface produced evidence for this capability in this run.

### Agent Understanding

- [fail] Agent instructions file (AGENTS.md) — No AGENTS.md at the site root or /.well-known/. Investigated: wellknown 0%.
- [skip] Machine-readable errors (RFC 9457) — No surface produced evidence for this capability in this run.
- [skip] Operation purpose clarity — No surface produced evidence for this capability in this run.
- [skip] Agent-navigable, token-efficient docs — No surface produced evidence for this capability in this run.
- [skip] Docs structured data — No surface produced evidence for this capability in this run.
- [skip] Description consistency across surfaces — Only 0 surface description(s) with ≥6 tokens available; need at least 2 to compare.

### Agent Usability

- [fail] Runnable collection with test scripts — No public Postman workspace discovered for the org. Investigated: platform 0%.
- [skip] Idempotency documented — No surface produced evidence for this capability in this run.
- [skip] Rate-limit signaling — No surface produced evidence for this capability in this run.
- [skip] Pagination documented & consistent — No surface produced evidence for this capability in this run.
- [skip] Sandbox separation — No surface produced evidence for this capability in this run.

## Executive Summary

Oportun's API program has meaningful structural gaps that will slow or block partner and agent adoption across nearly every dimension of the partner journey. The most critical weaknesses are the absence of a self-service developer portal and machine-readable discovery artifacts (llms.txt, registry/SDK presence, agent instructions), which means partners and their AI agents cannot find, evaluate, or onboard without a manual sales conversation. Prioritize standing up a discoverable, always-in-sync documentation portal with agent-ready metadata first, then layer in runnable collections and security hygiene to give partners and agents the executable, trustworthy context they need to integrate confidently.