CommonBond

CommonBond was a New York City based financial technology lender founded in 2011 by David Klein, Michael Taormina and Jessup Shean that refinanced student loans for university graduates and originated in-school loans for MBA, law, medical and engineering students, later adding Parent PLUS refinancing and a solar/green home-improvement lending product. It raised institutional debt and equity financing, including a $35M Series B in 2015 and a $150M lending partnership with Nelnet, and operated a consumer lending platform at commonbond.co with an externally documented Postman based API at api-docs.commonbond.co. The company exited student loan refinancing in 2022 after the federal payment and interest pause removed much of the refinance market, pivoted to solar lending, and subsequently wound down. As of this profile the commonbond.co domain is parked and every path on it, including the former API documentation host, returns HTTP 410 Gone, so no public API surface remains to profile.

CommonBond is profiled on the APIs.io network. Tagged areas include Company, Financial Services, Fintech, Lending, and Student Loans.

🌐 Visit website 📡 Profile data on GitHub

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

AccessNo public API

0 APIs

Company Financial Services Fintech Lending Student Loans Consumer Finance 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 0.0 / 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 Education & Research 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/commonbond/apis.yml: open an issue on github.com/api-evangelist/commonbond 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.

Resources

Company 1

The organization behind the API

Website

Website

Source (apis.yml)

aid: commonbond
name: CommonBond
description: CommonBond was a New York City based financial technology lender founded in 2011 by David Klein, Michael Taormina
  and Jessup Shean that refinanced student loans for university graduates and originated in-school loans for MBA, law, medical
  and engineering students, later adding Parent PLUS refinancing and a solar/green home-improvement lending product. It raised
  institutional debt and equity financing, including a $35M Series B in 2015 and a $150M lending partnership with Nelnet,
  and operated a consumer lending platform at commonbond.co with an externally documented Postman based API at api-docs.commonbond.co.
  The company exited student loan refinancing in 2022 after the federal payment and interest pause removed much of the refinance
  market, pivoted to solar lending, and subsequently wound down. As of this profile the commonbond.co domain is parked and
  every path on it, including the former API documentation host, returns HTTP 410 Gone, so no public API surface remains to
  profile.
url: https://raw.githubusercontent.com/api-evangelist/commonbond/refs/heads/main/apis.yml
x-api-posture: no-product-api
x-api-posture-basis: observed
x-api-posture-note: As of this profile the commonbond.co domain is parked and every path on it, including the former API documentation
  host, returns HTTP 410 Gone, so no public API surface remains to profile.
x-type: company
x-source: harvest:secondary-market
x-tier: stub
x-tier-reason: harvest
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
  gated: private
  gated_source:
  - x-api-posture
  label: Unknown
  confidence: low
  probe_state: none
  source: []
  generated: '2026-11-06'
  method: derived
specificationVersion: '0.23'
created: '2026-08-09'
modified: '2026-09-15'
tags:
- Company
- Financial Services
- Fintech
- Lending
- Student Loans
- Consumer Finance
- Defunct
tags_raw:
- Company
- Financial Services
- Fintech
- Lending
- Student Loans
- Consumer Finance
- Defunct
- Financial-Services
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://commonbond.co
x-enrichment:
  date: '2026-08-09'
  status: minimal
  artifacts_added: 0
  pass: local-v1
x-coverage:
  state: none
  reason: defunct
  detail: CommonBond wound down after exiting student loan refinancing in 2022; commonbond.co is now a ParkingCrew "Buy this
    domain" holding page and every path on it — including the former Postman documented API host api-docs.commonbond.co —
    answers HTTP 410 Gone, and the CommonBond GitHub organization holds zero public repositories.
  evidence:
  - url: http://commonbond.co/
    status: 410
  - url: http://api-docs.commonbond.co/
    status: 410
  - url: http://commonbond.co/.well-known/security.txt
    status: 410
  - url: http://commonbond.co/openapi.json
    status: 410
  - url: https://api.github.com/orgs/commonbond
    status: 200
  checked: '2026-08-09'
x-status: defunct

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