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

16.8/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

CompanyFintechInvestingWealth ManagementDirect IndexingTax OptimizationBrokerage

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 16.8/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 1.3 / 20

Commercial Clarity 6.3 / 20

Operational Transparency 0.0 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

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

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: '0.20'
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