# Frec

**Canonical:** https://apis.io/providers/frec/  
**Website:** https://frec.com/  
**APIs profiled:** 0

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.

## Kin Score — 11.0 / 100 (emerging)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 11.0).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 31.6 |
| Access Clarity | 31.6 |

Regulatory layer — **Securities & Market Data**: 23.3 (matched via weak_tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## Security (1)

- **Frec Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Company, Fintech, Investing, Wealth Management, Direct Indexing, Tax Optimization, Brokerage

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