Figure Technology Solutions

Figure Technology Solutions is a Reno, Nevada financial-technology company (founded 2018) that builds and operates blockchain-based platforms for lending, capital markets, and asset management. Its public Partner APIs let integrators originate and manage Home Equity Line of Credit (HELOC) loans end to end: non-licensed pre-qualification and offer retrieval, full HELOC inquiry lifecycle management (start inquiry, select property, add income/SSN, verify liens, select offer, documents), loan-originator directory management, and Portfolio Manager reporting over owned and pledged loan pools. Figure also runs Figure Connect, a blockchain-based loan marketplace connecting loan sellers and buyers. The REST/JSON APIs authenticate with an apikey header and protect PII in transit with JWE encryption (RSA-OAEP-256 + A256GCM).

Figure Technology Solutions publishes 8 APIs on the APIs.io network, including Encryption API, HELOC application requests API, HELOC Offers API, and 5 more. Tagged areas include Company, Fintech, Lending, HELOC, and Home Equity.

The Figure Technology Solutions catalog on APIs.io includes 1 event-driven AsyncAPI specification.

Figure Technology Solutions’ developer surface includes authentication, documentation, API reference, getting-started guide, support, engineering blog, sandbox, and 25 more developer resources.

🌐 Visit website 📡 Source on GitHub

41.5/100 developing ▬ flat Agent 27/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

3 APIs

Company Fintech Lending HELOC Home Equity Mortgage Capital Markets Blockchain Loan Origination Financial-Services

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 41.5/100 · developing

Contract Quality 11.9 / 23

Developer Ergonomics 10.2 / 18

Access Clarity 5.0 / 18

Operational Transparency 3.1 / 12

Contract Governance 0.5 / 11

Discoverability 7.3 / 9

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 27/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 6 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 6

Agent Skills 5 / 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

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

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 github.com/api-evangelist/figure-technology-solutions: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 8

Individual APIs this provider publishes, each with its own machine-readable definition.

Figure Technology Solutions Encryption API

The Encryption API from Figure Technology Solutions — 1 operation(s) for encryption.

Figure Technology Solutions HELOC application requests API

The HELOC application requests API from Figure Technology Solutions — 19 operation(s) for heloc application requests.

Figure Technology Solutions HELOC Offers API

The HELOC Offers API from Figure Technology Solutions — 2 operation(s) for heloc offers.

Figure Technology Solutions Loan Originator requests API

The Loan Originator requests API from Figure Technology Solutions — 1 operation(s) for loan originator requests.

Figure Technology Solutions Loan Tape V1 API

The Loan Tape V1 API from Figure Technology Solutions — 6 operation(s) for loan tape v1.

Figure Technology Solutions Loan Tape V2 API

The Loan Tape V2 API from Figure Technology Solutions — 3 operation(s) for loan tape v2.

Figure Technology Solutions Payment History V1 API

The Payment History V1 API from Figure Technology Solutions — 3 operation(s) for payment history v1.

Figure Technology Solutions Payment History V2 API

The Payment History V2 API from Figure Technology Solutions — 1 operation(s) for payment history v2.

Scroll for all 8

Open Collections 9

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

HELOC Inquiries Encryption API

OPEN COLLECTION

HELOC Inquiries Encryption HELOC application requests API

OPEN COLLECTION

HELOC Inquiries Encryption HELOC Offers API

OPEN COLLECTION

HELOC Inquiries Encryption Loan Originator requests API

OPEN COLLECTION

HELOC Inquiries Encryption Loan Tape V1 API

OPEN COLLECTION

HELOC Inquiries Encryption Loan Tape V2 API

OPEN COLLECTION

HELOC Inquiries Encryption Payment History V1 API

OPEN COLLECTION

HELOC Inquiries Encryption Payment History V2 API

OPEN COLLECTION

Scroll for all 9

Event Specifications 1

AsyncAPI definitions for this provider's event-driven and streaming APIs.

Figure Technology Solutions Webhooks

ASYNCAPI

Security Posture 2

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

Figure Technology Solutions Authentication

apiKey · 2 schemes

SECURITY

Figure Technology Solutions Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Figure Technology Solutions Agentic Access

36 operations · 15 acting

AGENTIC

Resources

Get Started 4

Portal, sign-up, and the first successful call

Login

DeveloperPortal

DeveloperPortal

GettingStarted

GettingStarted

Sandbox

Sandbox

Documentation 2

Reference material describing how the API behaves

Documentation

Documentation

APIReference

APIReference

Agent Surfaces 6

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

X-MCPServerCandidate

WellKnown

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 6

Pagination, idempotency, versioning, errors, and events

Lifecycle

Conventions

ErrorCatalog

Conformance

DataModel

Webhooks

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 3

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Deprecation

Deprecation

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 4

Properties that don't map to a standard resource type

CapabilityMap

Overlay

Overlay

Overlay

Source (apis.yml)

aid: figure-technology-solutions
name: Figure Technology Solutions
description: 'Figure Technology Solutions is a Reno, Nevada financial-technology company (founded 2018) that builds and operates
  blockchain-based platforms for lending, capital markets, and asset management. Its public Partner APIs let integrators originate
  and manage Home Equity Line of Credit (HELOC) loans end to end: non-licensed pre-qualification and offer retrieval, full
  HELOC inquiry lifecycle management (start inquiry, select property, add income/SSN, verify liens, select offer, documents),
  loan-originator directory management, and Portfolio Manager reporting over owned and pledged loan pools. Figure also runs
  Figure Connect, a blockchain-based loan marketplace connecting loan sellers and buyers. The REST/JSON APIs authenticate
  with an apikey header and protect PII in transit with JWE encryption (RSA-OAEP-256 + A256GCM).'
url: https://raw.githubusercontent.com/api-evangelist/figure-technology-solutions/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- dcm-ventures
x-tier: enriched
x-tier-reason: real-developer-surface
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - authentication
  - security
  - sandbox
  generated: '2026-09-03'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
image: https://docs.figure.com/img/docusaurus-social-card.jpg
tags:
- Company
- Fintech
- Lending
- HELOC
- Home Equity
- Mortgage
- Capital Markets
- Blockchain
- Loan Origination
- Financial-Services
tags_raw:
- Company
- Fintech
- Lending
- HELOC
- Home Equity
- Mortgage
- Capital Markets
- Blockchain
- Loan Origination
- Financial Services
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
apis:
- aid: figure-technology-solutions:figure-technology-solutions-encryption-api
  name: Figure Technology Solutions Encryption API
  description: The Encryption API from Figure Technology Solutions — 1 operation(s) for encryption.
  humanURL: https://docs.figure.com/heloc-inquiries/guide
  baseURL: https://api.figure.com
  tags:
  - Encryption
  properties:
  - type: OpenAPI
    url: openapi/figure-technology-solutions-encryption-api-openapi.yml
  - type: Documentation
    url: https://docs.figure.com/heloc-inquiries/guide
  - type: APIReference
    url: https://docs.figure.com/heloc-inquiries/api
  - type: Documentation
    url: https://docs.figure.com/heloc-pre-qualification/guide
  - type: APIReference
    url: https://docs.figure.com/heloc-pre-qualification/api
  - type: Documentation
    url: https://docs.figure.com/portfolio-manager/api
  - type: APIReference
    url: https://docs.figure.com/portfolio-manager/api
- aid: figure-technology-solutions:figure-technology-solutions-heloc-application-requests-api
  name: Figure Technology Solutions HELOC application requests API
  description: The HELOC application requests API from Figure Technology Solutions — 19 operation(s) for heloc application
    requests.
  humanURL: https://docs.figure.com/heloc-inquiries/guide
  baseURL: https://api.figure.com
  tags:
  - HELOC application requests
  properties:
  - type: OpenAPI
    url: openapi/figure-technology-solutions-heloc-application-requests-api-openapi.yml
  - type: Documentation
    url: https://docs.figure.com/heloc-inquiries/guide
  - type: APIReference
    url: https://docs.figure.com/heloc-inquiries/api
  - type: Documentation
    url: https://docs.figure.com/heloc-pre-qualification/guide
  - type: APIReference
    url: https://docs.figure.com/heloc-pre-qualification/api
  - type: Documentation
    url: https://docs.figure.com/portfolio-manager/api
  - type: APIReference
    url: https://docs.figure.com/portfolio-manager/api
- aid: figure-technology-solutions:figure-technology-solutions-heloc-offers-api
  name: Figure Technology Solutions HELOC Offers API
  description: The HELOC Offers API from Figure Technology Solutions — 2 operation(s) for heloc offers.
  humanURL: https://docs.figure.com/heloc-inquiries/guide
  baseURL: https://api.figure.com
  tags:
  - HELOC Offers
  properties:
  - type: OpenAPI
    url: openapi/figure-technology-solutions-heloc-offers-api-openapi.yml
  - type: Documentation
    url: https://docs.figure.com/heloc-inquiries/guide
  - type: APIReference
    url: https://docs.figure.com/heloc-inquiries/api
  - type: Documentation
    url: https://docs.figure.com/heloc-pre-qualification/guide
  - type: APIReference
    url: https://docs.figure.com/heloc-pre-qualification/api
  - type: Documentation
    url: https://docs.figure.com/portfolio-manager/api
  - type: APIReference
    url: https://docs.figure.com/portfolio-manager/api
- aid: figure-technology-solutions:figure-technology-solutions-loan-originator-requests-api
  name: Figure Technology Solutions Loan Originator requests API
  description: The Loan Originator requests API from Figure Technology Solutions — 1 operation(s) for loan originator requests.
  humanURL: https://docs.figure.com/heloc-inquiries/guide
  baseURL: https://api.figure.com
  tags:
  - Loan Originator requests
  properties:
  - type: OpenAPI
    url: openapi/figure-technology-solutions-loan-originator-requests-api-openapi.yml
  - type: Documentation
    url: https://docs.figure.com/heloc-inquiries/guide
  - type: APIReference
    url: https://docs.figure.com/heloc-inquiries/api
  - type: Documentation
    url: https://docs.figure.com/heloc-pre-qualification/guide
  - type: APIReference
    url: https://docs.figure.com/heloc-pre-qualification/api
  - type: Documentation
    url: https://docs.figure.com/portfolio-manager/api
  - type: APIReference
    url: https://docs.figure.com/portfolio-manager/api
- aid: figure-technology-solutions:figure-technology-solutions-loan-tape-v1-api
  name: Figure Technology Solutions Loan Tape V1 API
  description: The Loan Tape V1 API from Figure Technology Solutions — 6 operation(s) for loan tape v1.
  humanURL: https://docs.figure.com/heloc-inquiries/guide
  baseURL: https://api.figure.com
  tags:
  - Loan Tape V1
  properties:
  - type: OpenAPI
    url: openapi/figure-technology-solutions-loan-tape-v1-api-openapi.yml
  - type: Documentation
    url: https://docs.figure.com/heloc-inquiries/guide
  - type: APIReference
    url: https://docs.figure.com/heloc-inquiries/api
  - type: Documentation
    url: https://docs.figure.com/heloc-pre-qualification/guide
  - type: APIReference
    url: https://docs.figure.com/heloc-pre-qualification/api
  - type: Documentation
    url: https://docs.figure.com/portfolio-manager/api
  - type: APIReference
    url: https://docs.figure.com/portfolio-manager/api
- aid: figure-technology-solutions:figure-technology-solutions-loan-tape-v2-api
  name: Figure Technology Solutions Loan Tape V2 API
  description: The Loan Tape V2 API from Figure Technology Solutions — 3 operation(s) for loan tape v2.
  humanURL: https://docs.figure.com/heloc-inquiries/guide
  baseURL: https://api.figure.com
  tags:
  - Loan Tape V2
  properties:
  - type: OpenAPI
    url: openapi/figure-technology-solutions-loan-tape-v2-api-openapi.yml
  - type: Documentation
    url: https://docs.figure.com/heloc-inquiries/guide
  - type: APIReference
    url: https://docs.figure.com/heloc-inquiries/api
  - type: Documentation
    url: https://docs.figure.com/heloc-pre-qualification/guide
  - type: APIReference
    url: https://docs.figure.com/heloc-pre-qualification/api
  - type: Documentation
    url: https://docs.figure.com/portfolio-manager/api
  - type: APIReference
    url: https://docs.figure.com/portfolio-manager/api
- aid: figure-technology-solutions:figure-technology-solutions-payment-history-v1-api
  name: Figure Technology Solutions Payment History V1 API
  description: The Payment History V1 API from Figure Technology Solutions — 3 operation(s) for payment history v1.
  humanURL: https://docs.figure.com/heloc-inquiries/guide
  baseURL: https://api.figure.com
  tags:
  - Payment History V1
  properties:
  - type: OpenAPI
    url: openapi/figure-technology-solutions-payment-history-v1-api-openapi.yml
  - type: Documentation
    url: https://docs.figure.com/heloc-inquiries/guide
  - type: APIReference
    url: https://docs.figure.com/heloc-inquiries/api
  - type: Documentation
    url: https://docs.figure.com/heloc-pre-qualification/guide
  - type: APIReference
    url: https://docs.figure.com/heloc-pre-qualification/api
  - type: Documentation
    url: https://docs.figure.com/portfolio-manager/api
  - type: APIReference
    url: https://docs.figure.com/portfolio-manager/api
- aid: figure-technology-solutions:figure-technology-solutions-payment-history-v2-api
  name: Figure Technology Solutions Payment History V2 API
  description: The Payment History V2 API from Figure Technology Solutions — 1 operation(s) for payment history v2.
  humanURL: https://docs.figure.com/heloc-inquiries/guide
  baseURL: https://api.figure.com
  tags:
  - Payment History V2
  properties:
  - type: OpenAPI
    url: openapi/figure-technology-solutions-payment-history-v2-api-openapi.yml
  - type: Documentation
    url: https://docs.figure.com/heloc-inquiries/guide
  - type: APIReference
    url: https://docs.figure.com/heloc-inquiries/api
  - type: Documentation
    url: https://docs.figure.com/heloc-pre-qualification/guide
  - type: APIReference
    url: https://docs.figure.com/heloc-pre-qualification/api
  - type: Documentation
    url: https://docs.figure.com/portfolio-manager/api
  - type: APIReference
    url: https://docs.figure.com/portfolio-manager/api
common:
- type: Login
  url: https://www.figure.com/leadportal/login/
- type: CapabilityMap
  url: capabilities/figure-technology-solutions-capability-edges.yml
  name: Figure Technology Solutions Business Capability Map
- type: DomainSecurity
  url: security/figure-technology-solutions-domain-security.yml
- type: AgenticAccess
  url: agentic-access/figure-technology-solutions-agentic-access.yml
- type: Authentication
  url: authentication/figure-technology-solutions-authentication.yml
- type: Website
  url: https://www.figure.com/
- type: DeveloperPortal
  url: https://docs.figure.com/
- type: Documentation
  url: https://docs.figure.com/
- type: APIReference
  url: https://docs.figure.com/heloc-inquiries/api
- type: GettingStarted
  url: https://docs.figure.com/getting-started
- type: Support
  url: https://www.figure.com/partner/success-center/
- type: Blog
  url: https://www.figure.com/newsroom/
- type: GitHubOrganization
  url: https://github.com/FigureTechnologies
- type: StatusPage
  url: https://status.figure.com/
- type: TermsOfService
  url: https://www.figure.com/terms/
- type: PrivacyPolicy
  url: https://www.figure.com/privacy/
- type: Deprecation
  url: lifecycle/figure-technology-solutions-lifecycle.yml
- type: Lifecycle
  url: lifecycle/figure-technology-solutions-lifecycle.yml
- type: Conventions
  url: conventions/figure-technology-solutions-conventions.yml
- type: Sandbox
  url: sandbox/figure-technology-solutions-sandbox.yml
- type: ErrorCatalog
  url: errors/figure-technology-solutions-problem-types.yml
- type: Conformance
  url: conformance/figure-technology-solutions-conformance.yml
- type: X-MCPServerCandidate
  url: mcp/figure-technology-solutions-mcp.yml
  note: 'Renamed from MCPServer 2026-09-03 (roadmap#247): the manifest self-describes as status: candidate — a tool list derived
    from the published API contracts, not an existing server. The scorer already read the manifest and reported mcp_server
    correctly; the MCPServer type was crediting the artifact-type surfaces with a server that does not exist.'
- type: DataModel
  url: data-model/figure-technology-solutions-data-model.yml
- type: WellKnown
  url: well-known/figure-technology-solutions-well-known.yml
- type: LLMsTxt
  url: llms/figure-technology-solutions-llms.txt
- type: Webhooks
  url: asyncapi/figure-technology-solutions-webhooks.yml
- type: Overlay
  name: HELOC Inquiries overlay
  url: overlays/figure-technology-solutions-heloc-inquiries-overlay.yaml
- type: Overlay
  name: HELOC Pre-Qualification overlay
  url: overlays/figure-technology-solutions-heloc-pre-qualification-overlay.yaml
- type: Overlay
  name: Portfolio Manager overlay
  url: overlays/figure-technology-solutions-portfolio-manager-overlay.yaml
- type: AgentSkill
  name: Run a Figure HELOC inquiry end to end
  url: skills/figure-technology-solutions-run-heloc-inquiry.md
- type: AgentSkill
  name: Pre-qualify a HELOC lead
  url: skills/figure-technology-solutions-prequalify-heloc.md
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence

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