Frec

Frec is a San Francisco fintech offering tax-aware, automated direct indexing for retail investors. Its products — Classic Direct Indexing, Long Short Direct Indexing, Diversify, Trade, Treasury cash management, and a Portfolio Line of Credit — replicate market indices with individual stocks while running automated tax-loss harvesting to minimize capital gains taxes at fees starting around 0.09%. Frec is an SEC-registered investment adviser and SIPC member managing over $1.25B in assets, founded by Mo Al Adham and backed by Greylock. The company ships a consumer investing app and website but does not currently expose a public developer API, so this profile is identity- and security-posture-only.

Frec is profiled on the APIs.io network. Tagged areas include Company, Fintech, Investing, Wealth Management, and Direct Indexing.

Frec’s developer surface includes pricing, engineering blog, support, and 5 more developer resources.

🌐 Visit website 📡 Source on GitHub

11.0/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-20 · rubric v0.12.0

0 APIs

Company Fintech Investing Wealth Management Direct IndexingTax OptimizationBrokerage

Kin Score

Kin Score How this is scored →
scored 2026-08-20 · rubric v0.12.0

Composite quality — 11.0/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 5.4 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.3 / 9

Regulatory Posture 3.5 / 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

Regulatory Posture applies to this provider. Its tags matched the Securities & Market Data regime (on an ambiguous tag, where no other regime matched), 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.

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/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/frec: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support

Support

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

Blog

Blog

About

About

Source (apis.yml)

aid: frec
name: Frec
description: Frec is a San Francisco fintech offering tax-aware, automated direct indexing for retail investors. Its products
  — Classic Direct Indexing, Long Short Direct Indexing, Diversify, Trade, Treasury cash management, and a Portfolio Line
  of Credit — replicate market indices with individual stocks while running automated tax-loss harvesting to minimize capital
  gains taxes at fees starting around 0.09%. Frec is an SEC-registered investment adviser and SIPC member managing over $1.25B
  in assets, founded by Mo Al Adham and backed by Greylock. The company ships a consumer investing app and website but does
  not currently expose a public developer API, so this profile is identity- and security-posture-only.
url: https://raw.githubusercontent.com/api-evangelist/frec/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- greylock
x-tier: stub
x-tier-reason: portfolio-lead
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-19'
image: https://frec.com/webstatic/svg/logo.svg
tags:
- Company
- Fintech
- Investing
- Wealth Management
- Direct Indexing
- Tax Optimization
- Brokerage
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/frec-domain-security.yml
- type: Website
  url: https://frec.com/
- type: Pricing
  url: https://frec.com/pricing
- type: Blog
  url: https://frec.com/resources
- type: Support
  url: https://help.frec.com/
- type: TermsOfService
  url: https://frec.com/terms
- type: PrivacyPolicy
  url: https://frec.com/privacy
- type: About
  url: https://frec.com/about
x-enrichment:
  date: '2026-07-19'
  status: backfilled
  pass: local-v1
  note: backfilled from .gitignore signal + verified work evidence