Brace

Brace (Brace Software, Inc., brace.ai) was a Culver City, California fintech founded in 2017 by Eric Rachmel and Amr Mohamed that rebuilt mortgage default servicing as software. Its Default Management Platform covered the end-to-end loss-mitigation lifecycle for servicers, lenders and investors — a homeowner engagement portal, a centralized responsive application, a rules and underwriting engine, document classification and data extraction, and event-driven communications and reporting — replacing the paper-based, inconsistent default workflows used by top U.S. mortgage servicers. The company raised a reported ~$30M and was acquired by Boston-based mortgage technology firm Stavvy, announced 1 August 2023, folding Brace's loss-mitigation platform into Stavvy's eClosing, digital notarization and foreclosure suite. Brace does not survive as an independent surface: brace.ai now 301-redirects every path to stavvy.com/mortgage-servicing-solution, and no docs., developer., api. or app. subdomain resolves in DNS. No public API, developer portal, machine-readable specification or SDK was ever published under the Brace brand — the Wayback CDX index for brace.ai carries no developer or API path — so this profile records identity and exit rather than an API surface.

Brace is profiled on the APIs.io network. Tagged areas include Company, Mortgage, Mortgage Servicing, Loss Mitigation, and Default Servicing.

🌐 Visit website 📡 Profile data on GitHub

0.0/100 minimal ▬ flat Agent 0/100 human only Front door AI 1/6 silent Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

0 APIs

Company Mortgage Mortgage ServicingLoss MitigationDefault ServicingFinancial Services Fintech Real Estate Workflow Automation Acquired Defunct

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 0.0/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.0 / 17

Access Clarity 0.0 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 0.0 / 9

Regulatory Posture 0.9 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

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 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

13 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 0.0 — up to +20.0 composite points
Access Clarity scores 0.0 — up to +20.0 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/brace/apis.yml: open an issue on github.com/api-evangelist/brace to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Security Posture 1

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

Brace Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Lifecycle

Lifecycle

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

PressRelease

PressRelease

Company 2

The organization behind the API

Website

Website

LinkedIn

Other 1

Properties that don't map to a standard resource type

SecondaryMarket

SecondaryMarket

Source (apis.yml)

aid: brace
name: Brace
description: 'Brace (Brace Software, Inc., brace.ai) was a Culver City, California fintech founded in 2017 by Eric Rachmel
  and Amr Mohamed that rebuilt mortgage default servicing as software. Its Default Management Platform covered the end-to-end
  loss-mitigation lifecycle for servicers, lenders and investors — a homeowner engagement portal, a centralized responsive
  application, a rules and underwriting engine, document classification and data extraction, and event-driven communications
  and reporting — replacing the paper-based, inconsistent default workflows used by top U.S. mortgage servicers. The company
  raised a reported ~$30M and was acquired by Boston-based mortgage technology firm Stavvy, announced 1 August 2023, folding
  Brace''s loss-mitigation platform into Stavvy''s eClosing, digital notarization and foreclosure suite. Brace does not survive
  as an independent surface: brace.ai now 301-redirects every path to stavvy.com/mortgage-servicing-solution, and no docs.,
  developer., api. or app. subdomain resolves in DNS. No public API, developer portal, machine-readable specification or SDK
  was ever published under the Brace brand — the Wayback CDX index for brace.ai carries no developer or API path — so this
  profile records identity and exit rather than an API surface.'
url: https://raw.githubusercontent.com/api-evangelist/brace/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
x-tier: stub
x-tier-reason: harvest
x-status: defunct
x-acquired-by: Stavvy (announced 2023-08-01)
x-founded: '2017'
x-headquarters: Culver City, California, United States
deliveryModel:
  model: unknown
  open_source: false
  commercial: false
  callable_host: false
  label: Delivery model not determined — needs a product licence on record
  confidence: low
  source:
  - none
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  probe_state: none
  source:
  - security
  generated: '2026-11-06'
  method: derived
specificationVersion: '0.23'
created: '2026-08-08'
modified: '2026-09-16'
tags:
- Company
- Mortgage
- Mortgage Servicing
- Loss Mitigation
- Default Servicing
- Financial Services
- Fintech
- Real Estate
- Workflow Automation
- Acquired
- Defunct
tags_raw:
- Company
- Mortgage
- Mortgage Servicing
- Loss Mitigation
- Default Servicing
- Financial Services
- Fintech
- Real Estate
- Workflow Automation
- Acquired
- Defunct
- Financial-Services
- Real-Estate
- Workflow-Automation
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/brace-domain-security.yml
- type: Website
  url: https://brace.ai/
- type: LinkedIn
  url: https://www.linkedin.com/company/brace-ai
- type: SecondaryMarket
  url: https://forgeglobal.com/brace_stock/
- type: PressRelease
  name: Fintech Powerhouses, Stavvy and Brace, Join Forces to Lead Servicing Innovation
  url: https://press.stavvy.com/stavvy-acquires-brace
- type: Lifecycle
  url: lifecycle/brace-lifecycle.yml
x-enrichment:
  date: '2026-08-08'
  status: minimal
  artifacts_added: 2
  pass: local-v1
x-coverage:
  state: none
  reason: defunct
  detail: Brace was acquired by Stavvy (announced 1 August 2023) and fully absorbed — brace.ai now 301-redirects every path,
    including /robots.txt, to stavvy.com/mortgage-servicing-solution, and docs., developer., api. and app.brace.ai have all
    been removed from DNS, so there is no Brace-branded surface left to read.
  evidence:
  - url: https://brace.ai/
    status: 301
  - url: https://brace.ai/openapi.json
    status: 404
  - url: https://brace.ai/llms.txt
    status: 404
  - url: https://docs.brace.ai/
    status: 0
  - url: https://api.brace.ai/
    status: 0
  - url: https://press.stavvy.com/stavvy-acquires-brace
    status: 200
  checked: '2026-08-08'

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