# BILT

**Canonical:** https://apis.io/providers/bilt/  
**Website:** https://www.bilt.com  
**APIs profiled:** 1

BILT is a financial technology company offering a loyalty and payments platform that lets members earn rewards on rent and mortgage payments. It provides a co‑branded credit card, rent‑payment reporting to credit bureaus, and a suite of neighborhood benefits, aiming to transform housing expenses into valuable points and perks for users.

## Kin Score — 29.7 / 100 (thin)

Scored 2026-10-17 under rubric 0.24.0. Trend: flat (+0.0 from 29.7).

| Facet | Score |
|---|---|
| Discoverability | 64.3 |
| Contract Quality | 64.6 |
| Contract Governance | 22.0 |
| Operational Transparency | 7.9 |
| Developer Ergonomics | 16.7 |
| Access Clarity | 7.9 |

Regulatory layer — **Payments**: 14.3 (matched via tags).

## Agent readiness — 41.7 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | negotiable |
| Idempotency | verified |
| Error Semantics | derived |
| OpenAPI Examples | verified |
| Rate Limit Signal | verified |
| Event Surface Described | yes |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## APIs (4)

- **Bilt Checkout SDK** — External backend contract for integrators using the Bilt Checkout SDK, documented at developers.bilt.com. No owned OpenAPI spec found on Bilt's own domain.
- **BILT Default payment method API** — Read-only lookup of a customer's current default payment-method summary for display and pre-flight checks. Bilt resolves the default again at charge time, so it may change betwe...
- **BILT Headless payments API** — Charge a customer's current default Bilt payment method with no Bilt UI, for subscriptions, autopay, or other off-session payments. The outcome arrives as a `payment.*` webhook.
- **BILT One-time payments API** — Open a checkout session that renders Bilt-hosted checkout in the Checkout SDK. The customer confirms the payment themselves; the outcome arrives as a `checkout.session.*` webhook.

## Security (1)

- **Bilt Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Fintech, Loyalty, Payments, RentRewards, Credit Cards, Real Estate

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