Polly

Polly is an AI-native capital markets operating system launched in October 2026. It provides a unified platform for mortgage pricing, risk management, loan-level attribution, and investor discovery. The platform offers transparent pricing, intelligent execution at scale, and an API suite ready for integration, aiming to streamline end‑to‑end capital markets processes for lenders and investors.

Polly is listed with 5 APIs on the APIs.io network, including Event Types API, Lock Confirmation Documents API, Mi Quotes API, and 2 more. Tagged areas include Fintech, Capital Markets, Mortgage, API Platform, and Artificial Intelligence.

The Polly catalog on APIs.io includes 1 event-driven AsyncAPI specification and 1 Spectral governance ruleset.

Polly’s developer surface includes changelog, authentication, API reference, documentation, engineering blog, support, getting-started guide, and 15 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

29.0/100 thin ▼ -6.7 Agent 22/100 agent aware Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessSelf serve

5 APIs

Fintech Capital Markets Mortgage API Platform Artificial Intelligence

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 29.0/100 · thin

Contract Quality 3.5 / 19

Developer Ergonomics 4.5 / 15

Access Clarity 2.6 / 15

Operational Transparency 4.4 / 10

Contract Governance 1.6 / 9

Discoverability 5.2 / 8

Regulatory Posture 2.9 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 22/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 6 / 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

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) regime, 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.

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.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Rate-Limit Signaling +7 pts — OpenAPI responses document X-RateLimit-* / RateLimit headers (verified), else a rate_limits artifact or RateLimits link (documented)

10 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 18.8 — up to +20.3 composite points
Access Clarity scores 17.1 — up to +16.6 composite points
Developer Ergonomics scores 29.8 — up to +14.0 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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 the provider profile at artifacts.apis.io/polly-io/apis.yml: open an issue on github.com/api-evangelist/polly-io to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 5

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

Polly API

Polly's API suite provides access to product and pricing engine functionality for mortgage and capital markets applications.

Polly Event Types API

The Event Types API from Polly — 1 operation(s) for event types.

Polly Lock Confirmation Documents API

The Lock Confirmation Documents API from Polly — 1 operation(s) for lock confirmation documents.

Polly Mi Quotes API

The Mi Quotes API from Polly — 2 operation(s) for mi quotes.

Polly Webhooks API

The Webhooks API from Polly — 1 operation(s) for webhooks.

Event Specifications 1

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

Polly Io Webhooks

ASYNCAPI

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Polly API Rules

9 rules · 7 errors 1 warnings 1 info

SPECTRAL

Security Posture 3

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

Polly Io Authentication

2 schemes

SECURITY

Polly Io Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Polly Io Trust Center

SOC 2, ISO 27001

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

GettingStarted

GettingStarted

Documentation 2

Reference material describing how the API behaves

APIReference

APIReference

Documentation

Documentation

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

WellKnown

WellKnown

Design & Contract 3

Pagination, idempotency, versioning, errors, and events

Spectral

Spectral

Webhooks

Webhooks

Conformance

Conformance

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 5

Authentication, authorization, and security posture

Compliance

Authentication

SecurityTxt

TrustCenter

DomainSecurity

Operate 3

Status, limits, changes, and where to get help

ChangeLog

ChangeLog

StatusPage

StatusPage

Support

Support

Commercial 1

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Other 2

Properties that don't map to a standard resource type

Hosts

Hosts

Vendors

Vendors

Source (apis.yml)

aid: polly-io
name: Polly
accessModel:
  pricing: unknown
  onboarding: self-serve
  trial: false
  try_now: false
  public: false
  gated: none
  gated_source:
  - onboarding
  label: Self-serve signup
  confidence: low
  probe_state: unreadable
  source:
  - authentication
  - security
  generated: '2026-11-06'
  method: derived
image: https://cdn.prod.website-files.com/6a9ee636a1bfd1c743c3343a/6ac41e92c98a00380dfac59d_polly-share-image.jpg
description: Polly is an AI-native capital markets operating system launched in October 2026. It provides a unified platform
  for mortgage pricing, risk management, loan-level attribution, and investor discovery. The platform offers transparent pricing,
  intelligent execution at scale, and an API suite ready for integration, aiming to streamline end‑to‑end capital markets
  processes for lenders and investors.
url: https://raw.githubusercontent.com/api-evangelist/polly-io/refs/heads/main/apis.yml
x-type: company
x-source: harvest:tag-qc
x-tier: profiled
x-tier-reason: enrichment pass 2026-10-15 (modular-v1; was harvest)
specificationVersion: '0.20'
created: '2026-10-14'
modified: '2026-10-14'
tags:
- Fintech
- Capital Markets
- Mortgage
- API Platform
- Artificial Intelligence
tags_raw:
- FinTech
- CapitalMarkets
- Mortgage
- APIPlatform
- AI
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Spectral
  url: rules/polly-io-rules.yml
- type: Webhooks
  url: asyncapi/polly-io-webhooks.yml
- type: ChangeLog
  url: changelog/polly-io-changelog.yml
- type: Compliance
  url: https://polly.io/vendor-due-diligence
- type: Authentication
  url: authentication/polly-io-authentication.yml
- type: Conformance
  url: conformance/polly-io-conformance.yml
- type: LLMsTxt
  url: llms/polly-io-llms.txt
- type: SecurityTxt
  url: well-known/polly-io-status-security.txt
- type: WellKnown
  url: well-known/polly-io-well-known.yml
- type: Hosts
  url: hosts/polly-io-hosts.yml
- type: Vendors
  url: vendors/polly-io-vendors.yml
- type: StatusPage
  url: https://status.polly.io/
- type: PrivacyPolicy
  url: https://polly.io/privacy-notice/
- type: TrustCenter
  url: security/polly-io-trust-center.yml
- type: DomainSecurity
  url: security/polly-io-domain-security.yml
- type: Website
  url: https://polly.io
- type: APIReference
  url: https://polly.io/api-suite
- type: Documentation
  url: https://polly.io/pollyos
- type: Blog
  url: https://polly.io/headlines
- type: Support
  url: https://polly.io/vendor-due-diligence
- type: GettingStarted
  url: https://polly.io/product-pricing-eligibility
- type: GitHubOrganization
  url: https://github.com/PollyEx
apis:
- name: Polly API
  description: Polly's API suite provides access to product and pricing engine functionality for mortgage and capital markets
    applications.
  humanURL: https://docs.polly.io/
  baseURL: null
  aid: polly-io:polly-api
- aid: polly-io:polly-io-event-types-api
  name: Polly Event Types API
  description: The Event Types API from Polly — 1 operation(s) for event types.
  humanURL: https://docs.polly.io/
  tags:
  - Event Types
  properties:
  - type: OpenAPI
    url: openapi/polly-io-event-types-api-openapi.yml
- aid: polly-io:polly-io-lock-confirmation-documents-api
  name: Polly Lock Confirmation Documents API
  description: The Lock Confirmation Documents API from Polly — 1 operation(s) for lock confirmation documents.
  humanURL: https://docs.polly.io/
  tags:
  - Lock Confirmation Documents
  properties:
  - type: OpenAPI
    url: openapi/polly-io-lock-confirmation-documents-api-openapi.yml
- aid: polly-io:polly-io-mi-quotes-api
  name: Polly Mi Quotes API
  description: The Mi Quotes API from Polly — 2 operation(s) for mi quotes.
  humanURL: https://docs.polly.io/
  tags:
  - Mi Quotes
  properties:
  - type: OpenAPI
    url: openapi/polly-io-mi-quotes-api-openapi.yml
- aid: polly-io:polly-io-webhooks-api
  name: Polly Webhooks API
  description: The Webhooks API from Polly — 1 operation(s) for webhooks.
  humanURL: https://docs.polly.io/
  tags:
  - Webhook
  tags_raw:
  - Webhooks
  properties:
  - type: OpenAPI
    url: openapi/polly-io-webhooks-api-openapi.yml
x-coverage:
  state: unreadable
  reason: js-rendered-docs
  detail: Docs are served as JavaScript-rendered pages, preventing machine‑readable spec discovery.
  evidence:
  - url: https://docs.polly.io/
    status: 200
  checked: '2026-10-15'
x-enrichment:
  date: '2026-10-15'
  status: enriched
  artifacts_added: 15
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local

Polly API — frequently asked questions

Does Polly have an API?

Yes. APIs.io lists 5 APIs from Polly, including Polly API, Polly Event Types API and Polly Lock Confirmation Documents API, and 2 more.

Is there an OpenAPI specification for the Polly API?

Yes. APIs.io indexes 4 OpenAPI specifications for Polly, each linked for download from this page.

How do I authenticate with the Polly API?

Polly uses bearer-token authentication (2 schemes). The details are profiled on APIs.io as Polly Io Authentication.

Is the Polly API ready for AI agents?

Polly has a Kin Score of 29.0 out of 100 (thin) and an Agent Readiness score of 21.5 (agent-aware), scored by API Evangelist on 2026-11-06.

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