Term Finance

Term Finance is a noncustodial, fixed-rate lending and borrowing protocol for crypto assets, modeled on the tri-party repo arrangements common in traditional finance (TradFi). Liquidity suppliers and takers are matched through a weekly blind double-auction that aggregates bids and offers into a single market-clearing rate, while collateral backing each loan sits in isolated, non-rehypothecatable smart contracts known as repoLockers. The protocol is deployed across Ethereum, Avalanche, Base, BNB Smart Chain and Plasma, and its Solidity contracts have been audited by Sigma Prime, Runtime Verification, Dedaub and Certora. Term Finance is developer-facing primarily through on-chain smart contracts and a Solidity API reference rather than a hosted REST API.

Term Finance is profiled on the APIs.io network. Tagged areas include Company, DeFi, Lending, Fixed Rate, and Blockchain.

Term Finance’s developer surface includes documentation, API reference, engineering blog, support, and 8 more developer resources.

🌐 Visit website 📡 Source on GitHub
17.7/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
0 APIs
CompanyDeFiLendingFixed RateBlockchainEthereumSmart ContractsAuctionsRepo

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 17.7/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 6.1 / 20
Commercial Clarity 4.2 / 20
Operational Transparency 0.7 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Agent readiness — 0/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 15
MCP Server 0 / 12
Machine-Readable Auth 0 / 10
Idempotency 0 / 9
Stable Error Semantics 0 / 8
Request/Response Examples 0 / 7
Rate-Limit Signaling 0 / 7
Typed Event Surface 0 / 6
Agent Skills 0 / 5
Well-Known Catalog 0 / 4
Consent & Bot Identity 0 / 3
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/term-finance: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Security Posture 1

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

Term Finance Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

DeveloperPortal
DeveloperPortal

Documentation 2

Reference material describing how the API behaves

Documentation
Documentation
 APIReference
APIReference

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt
LLMsTxt

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization
GitHubOrganization

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity
DomainSecurity

Operate 1

Status, limits, changes, and where to get help

Support
Support

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService
TermsOfService
 PrivacyPolicy
PrivacyPolicy

Company 2

The organization behind the API

Website
Website
 Blog
Blog

Other 1

Properties that don't map to a standard resource type

Application
Application

Source (apis.yml)

apis.yml Raw ↑ 
aid: term-finance
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/term-finance.png
name: Term Finance
description: Term Finance is a noncustodial, fixed-rate lending and borrowing protocol for crypto assets, modeled on the tri-party
  repo arrangements common in traditional finance (TradFi). Liquidity suppliers and takers are matched through a weekly blind
  double-auction that aggregates bids and offers into a single market-clearing rate, while collateral backing each loan sits
  in isolated, non-rehypothecatable smart contracts known as repoLockers. The protocol is deployed across Ethereum, Avalanche,
  Base, BNB Smart Chain and Plasma, and its Solidity contracts have been audited by Sigma Prime, Runtime Verification, Dedaub
  and Certora. Term Finance is developer-facing primarily through on-chain smart contracts and a Solidity API reference rather
  than a hosted REST API.
url: https://raw.githubusercontent.com/api-evangelist/term-finance/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- electric-capital
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- DeFi
- Lending
- Fixed Rate
- Blockchain
- Ethereum
- Smart Contracts
- Auctions
- Repo
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.term.finance/
- type: DeveloperPortal
  url: https://developers.term.finance/
- type: Documentation
  url: https://docs.term.finance/
- type: APIReference
  url: https://developers.term.finance/latest
- type: GitHubOrganization
  url: https://github.com/term-finance
- type: Blog
  url: https://term.finance/blog
- type: Support
  url: https://discord.gg/cFVMQNHRsx
- type: Application
  url: https://app.term.finance/
- type: TermsOfService
  url: https://docs.term.finance/legal/terms-of-use
- type: PrivacyPolicy
  url: https://docs.term.finance/legal/privacy-policy
- type: LLMsTxt
  url: llms/term-finance-llms.txt
- type: DomainSecurity
  url: security/term-finance-domain-security.yml
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 3
  pass: local-v1