Solar Mosaic

Solar Mosaic, Inc. (trading as Mosaic) was a residential clean-energy lender founded in Oakland, California in 2010, originally as a solar crowdfunding platform and from 2014 as a point-of-sale financing platform for residential solar, battery storage and other sustainable home improvements funded through third-party capital partners. Mosaic originated loans through a dealer/installer channel and backed more than $15 billion in home energy loans across roughly 360,000 households. Its integration surface for installer and capital partners was the Mosaic Financing API, documented on a password-protected ReadMe developer portal at developer.joinmosaic.com. Solar Mosaic filed for Chapter 11 bankruptcy in the Southern District of Texas on 2025-06-09 and its loan portfolio was acquired in September 2025 by Solar Servicing LLC, which stated it would not originate new solar loans. As of this profile the joinmosaic.com website 301-redirects to solarservicingllc.com, the api.joinmosaic.com host returns HTTP 503, and the Mosaic status page reports "Page Inactive".

Solar Mosaic is listed with 1 API on the APIs.io network. Tagged areas include Company, Financial Services, Lending, Solar, and Clean Energy.

Solar Mosaic’s developer surface includes support and 11 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

0.0/100 minimal ▬ flat Agent 0/100 human only Front door AI 1/6 silent Heartbeat 0/100 dormant saas Full breakdown ↓
scored 2026-11-02 · rubric v0.26.0 · Show this score on your site →

AccessApproval

1 API 1 MCP Servers

Company Financial Services Lending Solar Clean EnergyHome Improvement FinancePoint of Sale Financing Consumer Finance Defunct

Kin Score

Kin Score How this is scored →
scored 2026-11-02 · rubric v0.26.0

Composite quality — 0.0/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 0.0 / 17

Access Clarity 0.0 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 0.0 / 9

Regulatory Posture 1.7 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 12 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 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

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 Energy & Utilities 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 could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

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/.

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

Machine-Readable Contract +18 pts — api_specs includes an OpenAPI document
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Machine-Readable Auth +10 pts — a served openid-configuration/oauth-authorization-server carrying `issuer` (served), else the securitySchemes class in the provider OpenAPIs — bound (mutualTLS, DPoP, Signature) > negotiable (oauth2 authorizationCode/clientCredentials, openIdConnect) > bearer (http bearer, apiKey)
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

11 more unmet checks in the Agent Readiness table above.

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

Contract Quality scores 0.0 — up to +25.0 composite points
Developer Ergonomics scores 0.0 — up to +20.0 composite points
Access Clarity scores 0.0 — up to +20.0 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/solar-mosaic/apis.yml: open an issue on github.com/api-evangelist/solar-mosaic 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 →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
Consumer Lending Licensing (UK, US, Canada credit licence registers)	undeclared	-	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

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.

Model Context Protocol (MCP)

measured — observed by APIs.io (verified)

APIs 1

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

Mosaic Financing API

The Mosaic Financing API is the integration surface Solar Mosaic published for its solar installer, dealer and capital partners, documented on a ReadMe-hosted developer portal t...

MCP Servers 1

Model Context Protocol servers that expose these APIs to AI agents.

Solar Mosaic MCP Server

Remote MCP server at developer.joinmosaic.com over HTTP.

MCP SERVER

Pricing Plans 1

Published pricing tiers and plan structures.

Solar Mosaic Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Solar Mosaic Rate Limits

0 limits

RATE LIMITS

Security Posture 1

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

Solar Mosaic Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

DeveloperPortal

DeveloperPortal

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Lifecycle

Lifecycle

Build 2

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Packages

Packages

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support

Support

RateLimits

RateLimits

Commercial 3

Pricing, plans, and the legal terms of use

PrivacyPolicy

PrivacyPolicy

TermsOfService

TermsOfService

Plans

Plans

Company 1

The organization behind the API

Website

Website

Source (apis.yml)

aid: solar-mosaic
name: Solar Mosaic
description: Solar Mosaic, Inc. (trading as Mosaic) was a residential clean-energy lender founded in Oakland, California in
  2010, originally as a solar crowdfunding platform and from 2014 as a point-of-sale financing platform for residential solar,
  battery storage and other sustainable home improvements funded through third-party capital partners. Mosaic originated loans
  through a dealer/installer channel and backed more than $15 billion in home energy loans across roughly 360,000 households.
  Its integration surface for installer and capital partners was the Mosaic Financing API, documented on a password-protected
  ReadMe developer portal at developer.joinmosaic.com. Solar Mosaic filed for Chapter 11 bankruptcy in the Southern District
  of Texas on 2025-06-09 and its loan portfolio was acquired in September 2025 by Solar Servicing LLC, which stated it would
  not originate new solar loans. As of this profile the joinmosaic.com website 301-redirects to solarservicingllc.com, the
  api.joinmosaic.com host returns HTTP 503, and the Mosaic status page reports "Page Inactive".
url: https://raw.githubusercontent.com/api-evangelist/solar-mosaic/refs/heads/main/apis.yml
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: approval
  trial: false
  try_now: false
  public: false
  label: Requires approval
  confidence: low
  probe_state: none
  source:
  - plans
  - rate-limits
  - security
  generated: '2026-11-02'
  method: derived
image: https://files.readme.io/0b31c0e-small-imageedit_17_2765500207.png
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-08-28'
modified: '2026-09-15'
x-docs-platform: readme
x-docs-platform-confidence: high
x-docs-platform-checked: 2026-10-04
tags:
- Company
- Financial Services
- Lending
- Solar
- Clean Energy
- Home Improvement Finance
- Point of Sale Financing
- Consumer Finance
- Defunct
tags_raw:
- Company
- Financial Services
- Lending
- Solar
- Clean Energy
- Home Improvement Finance
- Point of Sale Financing
- Consumer Finance
- Defunct
- Financial-Services
apis:
- aid: solar-mosaic:solar-mosaic-financing-api
  name: Mosaic Financing API
  description: The Mosaic Financing API is the integration surface Solar Mosaic published for its solar installer, dealer
    and capital partners, documented on a ReadMe-hosted developer portal titled "Mosaic Financing API". The portal is password-protected
    — every path under developer.joinmosaic.com (including /reference, /docs and /openapi.json) 302s to /password and returns
    the ReadMe gate shell — so no public reference, operation list or machine-readable contract could be read. The baseURL
    below is the company-controlled API host that resolves and answers (nginx HTTP 503); it is NOT confirmed by documentation,
    because the reference that would confirm it is behind the password gate.
  humanURL: https://developer.joinmosaic.com/
  baseURL: https://api.joinmosaic.com
  tags:
  - Lending
  - Financing
  - Solar
  properties:
  - type: DeveloperPortal
    url: https://developer.joinmosaic.com/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/solar-mosaic-domain-security.yml
- type: Website
  url: https://joinmosaic.com/
- type: DeveloperPortal
  url: https://developer.joinmosaic.com/
- type: GitHubOrganization
  url: https://github.com/solarmosaic
- type: PrivacyPolicy
  url: https://solarservicingllc.com/privacy/
- type: TermsOfService
  url: https://solarservicingllc.com/terms/
- type: Support
  url: https://solarservicingllc.com/contact-us/
- type: Lifecycle
  url: lifecycle/solar-mosaic-lifecycle.yml
- type: Packages
  url: packages/solar-mosaic-packages.yml
- type: Plans
  url: plans/solar-mosaic-plans-pricing.yml
- type: RateLimits
  url: rate-limits/solar-mosaic-rate-limits.yml
- type: LLMsTxt
  url: llms/solar-mosaic-llms.txt
x-enrichment:
  date: '2026-08-28'
  status: minimal
  artifacts_added: 7
  pass: local-v1
x-coverage:
  state: none
  reason: defunct
  detail: Solar Mosaic filed Chapter 11 on 2025-06-09 and its portfolio was acquired by Solar Servicing LLC, which does not
    originate new loans — joinmosaic.com now 301-redirects to solarservicingllc.com, the api.joinmosaic.com host answers nginx
    503 on every path, and the Mosaic status page returns 200 with the title "Mosaic Status - Page Inactive"; the only surviving
    API surface is a ReadMe portal titled "Mosaic Financing API" whose every path 302s to a password gate.
  evidence:
  - url: https://joinmosaic.com/
    status: 200
  - url: https://api.joinmosaic.com/
    status: 503
  - url: https://developer.joinmosaic.com/
    status: 302
  - url: https://status.joinmosaic.com
    status: 200
  checked: '2026-08-28'
x-status: defunct

Solar Mosaic API — frequently asked questions

Does Solar Mosaic have an API?

Yes. APIs.io lists 1 API from Solar Mosaic, including Mosaic Financing API.

Does Solar Mosaic have an MCP server?

Yes. APIs.io lists 1 MCP server for Solar Mosaic: Remote MCP server at developer.joinmosaic.com over HTTP.

Is the Solar Mosaic API ready for AI agents?

Solar Mosaic has a Kin Score of 0.0 out of 100 (minimal) and an Agent Readiness score of 0.0 (human-only), scored by API Evangelist on 2026-11-02.

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