Hackathon: Reinventing Personal Finance


How to Enter


Register on Eventbrite (Closed)

Register on ChallengePost




How to Start

Find Teammates


Capital One APIs

Partner APIs



How to Win


Submission Requirements

Judges & Judging Criteria

Demo Specs



How can mobile and data visualization empower consumers around money? Capital One is giving away $50K in prizes for the best ideas to help Millennials and American families get a handle on their finances. Spend the weekend hacking at the Capital One Hack for Personal Finance and create the next FinTech revolution.


Please feel free to form teams or begin hacking before the start of the event. The Capital One team will be available throughout the weekend to discuss your ideas and answer any questions about the APIs.

Friday, March 6: Hackathon Kickoff (Mandatory)

6:00pm Registration & Reception
7:00pm Welcome
7:10pm Capital One Challenges, APIs, Prizes
7:30pm Technical Partner APIs and Prizes
8:00pm Rules & Submissions
8:30pm Team Formation
Bring your ideas to pitch.
9:00pm End of Day
Go home and rest.

Saturday, March 7: Hackathon, Day 2


Late Registration & Breakfast






Lunch & Check-in






Dinner & Capital One Check-in




End of Day
Go home and hack.

Sunday, March 8: Hackathon, Day 3




Lunch & Check-in


Submission Deadline




Dinner & Judging Deliberation


Award Presentation


End of Day



Money for Millennials

Millennials engage with the world around them differently.  Develop some tools for personal finance management geared towards the way millennials live, spend, and save. Millennials are also a highly mobile-engaged demographic so please think how the mobile experience can be leveraged to address this user.


Kicking the Fear of Finance

The National Foundation for Credit Counseling reports that 26% of Americans claim that they cannot get a handle on their money and prefer not to deal with it.  More than 25% of Americans do not have any emergency savings and more than two thirds of Americans have less than six months of emergency savings. From savings to planning, people fear personal finance.  Help develop some tools that help consumers visualize, manage and plan their personal finances.

Capital One APIs (Provided by Level Money)

Documentation is still under development. Please check back throughout the week for updates.

Level Money, over a standard HTTP/JSON API, will expose features that replicate its free personal finance app. These features include transaction history, account balance history, Level's predicted future transactions, and the ability to create and view custom Insights. Finally, with a login endpoint, developers will have a sample account with preloaded data. Developers with an existing Level accounts can use their own data during the challenges.

User ID: 1110568334

Authentication Token: 4CC6E59631F76B2F4CCAB80EEEAC159F

API Token: HackathonApiToken

These tokens will expire following the hackathon.


Username: hackdoc@levelmoney.com

Password: hackathon1


Comfortable user:

UID: 1110570164

Token: 119947F2D985C3788998543A3D3AD90C


Struggling user:

UID: 1110570166

Token: 63C08C4AA6E3CB1A4B13C9C5299365C0



Partner APIs


Prizes: Chromebook (x3), Chromecast (x3)

For the best use of our offerings within the banking and personal finance industries.

Elasticode leverages data collection about users' mobile experience into a personalized interaction that best fits to that exact moment, place and settings! elasticode enhances developers and publishers business results, providing them with the power to address specific segments, receive a high resolution point of view and a real-time decision making engine, in a simple and fully controlled way. 

For API info, see: http://docs.elasticode.com/v1.0/ 



-1st: Chromebook (max 4)

-2nd: YubiKey NEO (max 6) + $100 Amazon card

-3rd: RC Helicopter (max 6)


Chromebook for the best use of any Nexmo API. YubiKey NEO + Amazon gift card for the est use of Nexmo's Number Insight or Verify APIs. RC Helicopter for the most creative use of Nexmo's API.

Nexmo provides innovative communication APIs that bridge traditional voice and messaging services with cloud communications. Nexmo enables applications and enterprises to connect to their customers via voice and SMS with ease no matter where in the world customers are located. High-volume communication companies such as Alibaba, Airbnb, Line and Viber send millions of messages per month using Nexmo APIs.

Signup for a free account at nexmo.com, then head to docs.nexmo.com for documentation on our SMS, Voice, and Phone Verification APIs. And checkout nexmo.github.io/Quickstarts for guides and screencasts getting started with the API.


$50 Amazon gift card for all winning team members

For the best application built with one of Yodlee's Interactive API's: Aggregation or Instant Account Verification

Built on the foundation of Yodlee’s 15 years of aggregated consumer financial data, Yodlee Interactive empowers visionary entrepreneurs, partners, and developers to build the next generation of disruptive and innovative Fintech solutions using the award-winning Yodlee platform. Through our APIs, we help you bring innovative FinApps to market more quickly using the richest consumer transactional data in the world.

For more info:



-$500 Amazon gift card

-press release of winning team

For the best use of an Xignite API as determined by staff

The pioneer for cloud-based market data APIs, Xignite is the data provider of choice for leading fintech innovators including Wealthfront, StockTwits, Robinhood, Motif Investing and Yodlee. Xignite’s APIs cover every asset class, market and data type available and are the ideal solution for integrating data into fintech mobile apps, websites, and platforms.

For more info and API catalogue:




-$50 Amazon gift card (for each teammate)

For the best graph made with plotly

-plotly T-shirts

For all teams that incorporate a plotly graph

Plotly is a platform for making and sharing interactive scientific graphs, 3D graphs, and streaming graphs. You can use Plotly with MATLAB, Python, R, and Excel to collaboratively build graphs and analyze data. We provide a cloud collaboration and enterprise solution for engineering customers in aerospace, the automotive industry, and academia.

Developers will first need to sign up for a Plotly account (free) to use our services. It's most common to start out using our Python, MATLAB, R, Julia, or Node library to create graphs that are accessible when on the web. This is documented at https://plot.ly/api/. Additionally embedded plots have an API documented at https://github.com/plotly/Embed-API. Our REST API is documented at our root api endpoint: https://api.plot.ly *

In summary, common languages (R, Python, Node, MATLAB, and Julia) have libraries that wrap our REST API and provide the simplest programmatic interface. An API exist to talk to the graphs embedded in iframes so that you may simply embed a graph and then create custom widgets to interact with it. Finally, the beta-mode REST API can be targeted as well.

* note, our API is still in beta mode and is subject to change in a backwards incompatible way.



Demo Specifications

Demo AV will be available to test on starting at 2pm.

Remember that you only have 3 minutes to demo your application. The judges are basing their scores on this demo so make sure you practice and use your time wisely.

Laptops: HDMI, Thunderbolt and VGA connections

iOS: AirPlay Mirroring with Apple TV (Setup)

Android: Android 4.2 Jelly Bean or later with Miracast (Setup)

If your presentation falls out of the above specifications, please email or connect with the BrandGarage team as soon as possible.

Demo Dos and Don'ts

  • DO practice your demo.
  • DO watch the clock. 3 minutes. We will buzz you off!
  • DO show us your app. DON'T just tell us about it
  • DON'T waste time - what's important to know?
  • DON'T troubleshoot on stage, just try to move on.

View full rules


  • Participants: Individuals at least 18 years or older; under 18 with parental documentation
  • Countries: US citizen or resident alien of the United States and its territories
  • Exclusions: Employees of Capital One, N.A. or other companies associated with the promotion, execution or support of the Contest, as well as the immediate family (spouse, parents, siblings, and children) and household members of each such employee are not eligible.


  1. All submissions must be made by 3:00pm, March 8h, or the alternative deadline published on the day.
  2. All submissions must make use of at least one of Capital One or partner APIs.
  3. All submissions must fit into one of the challenge categories.
  4. All submissions and demos must include a working (coded) prototype (mobile or software application, website, etc.). No slideware permitted.
  5. All submissions must be demoed live to the judge panel between 4pm and 6pm on March 8th.
  6. All submissions must keep to the 3-minute time parameters outlined for demos.
  7. Submissions may not contain any copyrighted elements other than elements owned by the entrant.

How to enter

  1. Register to attend the Capital One People & Money Hackathon on Eventbrite.
  2. Sign-up on ChallengePost to post questions and work on your submission.
  3. Find teammates or work by yourself.
  4. Select one or more challenges to enter your submission under.
  5. View and select additional API partners for a chance to win additional prizes.
  6. Submit your working (coded) prototype on ChallengePost by 3pm on Sunday, March 8.
  7. Demo live in front of the judges 4-6pm on Sunday, March 8.


Naveed Anwar

Naveed Anwar
Senior Director of Professional Services, PayPal

Cheryl Cheng

Cheryl Cheng
Partner, BlueRun Ventures & BrandGarage

David Fetherstonhaugh

David Fetherstonhaugh
Behavioral Economist, Design for Money, IDEO

Jake Fuentes

Jake Fuentes
CEO, Level Money, Capital One

Morgan Knutson

Morgan Knutson
Founder & CCO, Shift Technologies

Dan Makoski

Dan Makoski
Vice President of Design, Capital One

Toby Russell

Toby Russell
Managing Vice President, Digital, Capital One

Judging Criteria

  • Challenge Fit
    How well does the solution fit the challenge and theme of the hackathon? Does the solution do a good job of connecting people more directly with their money?
  • Audience Value
    Does the solution deliver a valuable service to Millennials and/or Families?
  • Creativity
    Is the solution creative and innovative?
  • Financial Insight
    Is the solution based upon a real human insight about finances?
  • Technology
    How much of the solution is real working code? How well built out is the UI & UX, including data visualization.