Basic Capital website screenshot

Basic Capital

Basic Capital is a modern 401(k) platform that reimagines workplace retirement saving. It is the first and only 401(k) provider that lets participants finance assets inside their plan, offering $4 of financing for every $1 contributed for up to 5x investing power, alongside access to alternative and private-market investments. The platform pairs a mobile-first participant experience with 6,000+ investment options, a built-in brokerage window, support for mega backdoor Roth contributions, and its "Retirement Mortgage" long-term financing product. Basic Capital serves employers, employees, and financial advisors, with an IRA offering for individuals. Founded to modernize a retirement system largely unchanged for 40 years, the company is headquartered in New York City and closed a $25M Series A in 2025 led by Forerunner and Lux Capital, with participation from SV Angel, BoxGroup, and Henry Kravis. This API Evangelist profile tracks the company; Basic Capital does not publish a public developer API.

Basic Capital is profiled on the APIs.io network. Tagged areas include Company, Fintech, Retirement, 401k, and Investing.

Basic Capital’s developer surface includes engineering blog, signup flow, pricing, support, and 11 more developer resources.

🌐 Visit website 📡 Source on GitHub
21.5/100 emerging ▬ flat Agent 7/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
0 APIs
CompanyFintechRetirement401kInvestingWealth ManagementFinancial Services

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 21.5/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 12.1 / 20
Operational Transparency 1.4 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Agent readiness — 7/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 4 / 4
Consent & Bot Identity 3 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/basic-capital: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Basic Capital Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Basic Capital Vulnerability Disclosure

security.txt · contact published

SECURITY

Basic Capital Trust Center

SOC 2

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

SignUp
SignUp

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown
WellKnown
 LLMsTxt
LLMsTxt

Access & Security 6

Authentication, authorization, and security posture

TrustCenter
TrustCenter
 Compliance
Compliance
 Security
Security
 SecurityTxt
SecurityTxt
 VulnerabilityDisclosure
VulnerabilityDisclosure
 DomainSecurity
DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support
Support

Commercial 3

Pricing, plans, and the legal terms of use

Pricing
Pricing
 TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
aid: basic-capital
name: Basic Capital
description: Basic Capital is a modern 401(k) platform that reimagines workplace retirement saving. It is the first and only
  401(k) provider that lets participants finance assets inside their plan, offering $4 of financing for every $1 contributed
  for up to 5x investing power, alongside access to alternative and private-market investments. The platform pairs a mobile-first
  participant experience with 6,000+ investment options, a built-in brokerage window, support for mega backdoor Roth contributions,
  and its "Retirement Mortgage" long-term financing product. Basic Capital serves employers, employees, and financial advisors,
  with an IRA offering for individuals. Founded to modernize a retirement system largely unchanged for 40 years, the company
  is headquartered in New York City and closed a $25M Series A in 2025 led by Forerunner and Lux Capital, with participation
  from SV Angel, BoxGroup, and Henry Kravis. This API Evangelist profile tracks the company; Basic Capital does not publish
  a public developer API.
url: https://raw.githubusercontent.com/api-evangelist/basic-capital/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- forerunner-ventures
- lux-capital
x-tier: stub
x-tier-reason: portfolio-lead
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://framerusercontent.com/images/fQmJWydUZuvLE8a8M2lPwVK9T38.png
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-18'
tags:
- Company
- Fintech
- Retirement
- 401k
- Investing
- Wealth Management
- Financial Services
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://basiccapital.com
- type: Blog
  url: https://basiccapital.com/learn
- type: SignUp
  url: https://basiccapital.com/get-started
- type: Pricing
  url: https://basiccapital.com/pricing
- type: Support
  url: mailto:hello@basiccapital.com
- type: TermsOfService
  url: https://app.termly.io/policy-viewer/policy.html?policyUUID=56a26f98-d16c-4837-8246-b82903d339a8
- type: PrivacyPolicy
  url: https://app.termly.io/policy-viewer/policy.html?policyUUID=571f7e49-2f9a-4184-9885-97d687377ef8
- type: TrustCenter
  url: security/basic-capital-trust-center.yml
- type: Compliance
  url: https://app.vanta.com/basiccapital/trust/k0kvr8erc1cd6y8d3kibe6
- type: Security
  url: https://basiccapital.com/.well-known/security.txt
- type: SecurityTxt
  url: well-known/basic-capital-security.txt
- type: WellKnown
  url: well-known/basic-capital-well-known.yml
- type: VulnerabilityDisclosure
  url: security/basic-capital-vulnerability-disclosure.yml
- type: DomainSecurity
  url: security/basic-capital-domain-security.yml
- type: LLMsTxt
  url: llms/basic-capital-llms.txt
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence