# Basic Capital

**Canonical:** https://apis.io/providers/basic-capital/  
**Website:** https://basiccapital.com  
**APIs profiled:** 0

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.

## Kin Score — 20.2 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+1.2 from 19.0).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 52.6 |
| Access Clarity | 52.6 |

## Agent readiness — 2.6 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | yes |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (3)

- **Basic Capital Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Basic Capital Vulnerability Disclosure** — security.txt · contact published
- **Basic Capital Trust Center** — SOC 2

## Tags

Company, Fintech, Retirement, 401k, Investing, Wealth Management, Financial-Services

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/basic-capital/). Scores are computed from the provider's own public artifacts under a published rubric.