# Term Finance

**Canonical:** https://apis.io/providers/term-finance/  
**Website:** https://www.term.finance/  
**APIs profiled:** 0

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.

## Kin Score — 17.0 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 17.0).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 2.6 |
| Developer Ergonomics | 33.3 |
| Commercial Clarity | 21.1 |
| Access Clarity | 21.1 |

## Agent readiness — 0.0 (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 | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

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

## Security (1)

- **Term Finance Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC

## Tags

Company, DeFi, Lending, Fixed Rate, Blockchain, Ethereum, Smart Contracts, Auctions, Repo

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