# Polly

**Canonical:** https://apis.io/providers/polly-io/  
**Website:** https://polly.io  
**APIs profiled:** 5

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.

## Kin Score — 29.0 / 100 (thin)

Scored 2026-11-06 under rubric 0.27.0. Trend: falling (-6.7 from 35.7).

| Facet | Score |
|---|---|
| Discoverability | 69.6 |
| Contract Quality | 18.8 |
| Contract Governance | 18.2 |
| Operational Transparency | 44.7 |
| Developer Ergonomics | 29.8 |
| Access Clarity | 17.1 |

Regulatory layer — **Horizontal (data, software, accessibility, platform)**: 19.5 (matched via fallback).

## Agent readiness — 21.5 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | no |
| 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 |
| Pagination Ratio | na |
| Operation Distinctiveness | distinct |
| MCP Tool Quality | na |

## Access

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

## APIs (5)

- **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.

## Security (3)

- **Polly Io Authentication** — 2 schemes
- **Polly Io Domain Security** — TLSv1.3 · HSTS · DMARC
- **Polly Io Trust Center** — SOC 2, ISO 27001

## Tags

Fintech, Capital Markets, Mortgage, API Platform, Artificial Intelligence

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