# Splitero

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

Splitero is a San Diego, California fintech founded in 2021 by Michael Gifford and David Zvaifler that originates Home Equity Investments (HEIs) — a lump sum of cash, up to $500,000, paid to a homeowner today in exchange for a share of the home's future value, with no monthly payments, no income requirement, credit scores accepted from 500, and terms of up to 30 years. The company operates a consumer application and servicing portal at my.splitero.com, funds its originations through institutional capital commitments (including a $350M facility led by Blue Owl Capital), and has expanded into a licensed residential brokerage, Splitero Homes. Splitero is an end-user consumer finance product: it publishes no developer portal, no public API, no SDKs and no machine-readable contract of any kind.

## Kin Score — 12.3 / 100 (emerging)

Scored 2026-09-02 under rubric 0.18.0. Trend: flat (+0.0 from 12.3).

| Facet | Score |
|---|---|
| Discoverability | 50.0 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 27.6 |
| Access Clarity | 27.6 |

## Agent readiness — 2.5 (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 | documented |
| Event Surface Described | no |
| 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 |

## Access

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

## Security (1)

- **Splitero Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Splitero Plans Pricing**

## Tags

Company, Financial-Services, Fintech, Real-Estate, Home Equity, Lending, Mortgage, Consumer Finance

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