# Figure

**Canonical:** https://apis.io/providers/figure/  
**Website:** https://www.figure.com  
**APIs profiled:** 3

Figure is a fintech lender and blockchain-native capital marketplace, backed by Ribbit Capital, and one of the largest non-bank HELOC (home equity line of credit) originators in the United States. Its Partner APIs let affiliates, brokers, and loan originators run the full HELOC lifecycle — pre-qualification, inquiry creation, borrower/SSN/income and property enrichment, lien verification, matching-property and offer selection, borrower costs, and document retrieval — plus a Portfolio Manager reporting API for asset holders to query and download owned and pledged loan-tape and payment-history data. The REST APIs authenticate with an apikey header behind a Kong gateway, support optional JWE/RSA payload encryption, expose separate test and production environments, and push webhooks as inquiries and applications progress.

## Kin Score — 38.4 / 100 (thin)

Scored 2026-08-30 under rubric 0.17.2. Trend: flat (+0.0 from 38.4).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 53.8 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 47.0 |
| Commercial Clarity | 27.6 |
| Access Clarity | 27.6 |

## Agent readiness — 27.1 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | documented |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| 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 |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (8)

- **Figure Encryption API** — The Encryption API from Figure — 1 operation(s) for encryption.
- **Figure HELOC application requests API** — The HELOC application requests API from Figure — 19 operation(s) for heloc application requests.
- **Figure HELOC Offers API** — The HELOC Offers API from Figure — 2 operation(s) for heloc offers.
- **Figure Loan Originator requests API** — The Loan Originator requests API from Figure — 1 operation(s) for loan originator requests.
- **Figure Loan Tape V1 API** — The Loan Tape V1 API from Figure — 6 operation(s) for loan tape v1.
- **Figure Loan Tape V2 API** — The Loan Tape V2 API from Figure — 3 operation(s) for loan tape v2.
- **Figure Payment History V1 API** — The Payment History V1 API from Figure — 3 operation(s) for payment history v1.
- **Figure Payment History V2 API** — The Payment History V2 API from Figure — 1 operation(s) for payment history v2.

## MCP servers (1)

- **Figure MCP Server**

## Agentic access (1)

- **Figure Agentic Access** — 36 operations · 15 acting

## Security (2)

- **Figure Authentication** — apiKey · 1 scheme
- **Figure Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Fintech, Lending, HELOC, Home Equity, Mortgage, Loan Origination, Webhook, Capital Markets

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