Trovy

Trovy (Trovy Technologies, Inc.) is a Kleiner Perkins-backed fintech building "the homeowner platform" -- consumer credit products that turn home equity into a flexible financial tool. Its flagship Trovy HELOC Card is a credit card powered by home equity with variable APRs as low as 5.99%, alongside the Trovy 1Loan home-equity loan, with preapproval in minutes and rewards, balance-transfer, and payment-calculator features. Trovy is a consumer product and publishes no public developer API, docs, or SDK surface as of July 2026.

Trovy is profiled on the APIs.io network. Tagged areas include Company, Fintech, HELOC, Home Equity, and Credit Cards.

Trovy’s developer surface includes support, FAQ, engineering blog, pricing, signup flow, and 13 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

14.9/100 emerging ▬ flat Agent 0/100 human only Front door AI 1/6 silent Heartbeat 57/100 slowing saas Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

0 APIs

Company Fintech HELOC Home Equity Credit Cards Lending Consumer Finance

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 14.9/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 8.3 / 17

Operational Transparency 0.0 / 11

Contract Governance 0.0 / 10

Discoverability 4.7 / 9

Regulatory Posture 1.1 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

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

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 Payments 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 Ask about this →
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship Ask about this →
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author Ask about this →
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) Ask about this →
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) Ask about this →
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes Ask about this →

13 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 Ask about this →
Developer Ergonomics scores 7.1 — up to +18.6 composite points Ask about this →
Operational Transparency scores 0.0 — up to +13.0 composite points Ask about this →

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.

Not sure how this applies to your stack? Ask about any one item. Kin Lane reads every question, looks at your profile and your situation, and replies with what a fix would take — scoped to that one area, priced up front, yours whether you ship it or not. Ask a question →

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/trovy/apis.yml: open an issue on github.com/api-evangelist/trovy 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.

Terms of Service 1

What its API terms permit and prohibit, quoted from its own page.

Trovy

8 quoted statements, read from Trovy's own page on 2026-11-10.

TERMS

Privacy & Data 1

Its role, the data it processes, retention and transfers, quoted from its own privacy page.

Trovy

17 quoted statements, read from Trovy's own page on 2026-11-10.

PRIVACY

Eligibility 1

Who may sign up and where, quoted from its own terms.

Trovy

4 quoted statements, read from Trovy's own page on 2026-11-10.

ELIGIBILITY

Data License 1

How its data and outputs may be reused, quoted from its own terms.

Trovy

1 quoted statement, read from Trovy's own page on 2026-11-10.

LICENSE

Security Posture 1

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

Trovy Domain Security

TLSv1.3 · DMARC

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

SignUp

SignUp

Login

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support

Support

FAQ

FAQ

Commercial 6

Pricing, plans, and the legal terms of use

Pricing

TermsOfService

PrivacyPolicy

Licenses

UsageTerms

DataLicense

Company 4

The organization behind the API

Website

Blog

Careers

About

Other 2

Properties that don't map to a standard resource type

DataProcessing

DataProcessing

Eligibility

Eligibility

Source (apis.yml)

aid: trovy
name: Trovy
description: Trovy (Trovy Technologies, Inc.) is a Kleiner Perkins-backed fintech building "the homeowner platform" -- consumer
  credit products that turn home equity into a flexible financial tool. Its flagship Trovy HELOC Card is a credit card powered
  by home equity with variable APRs as low as 5.99%, alongside the Trovy 1Loan home-equity loan, with preapproval in minutes
  and rewards, balance-transfer, and payment-calculator features. Trovy is a consumer product and publishes no public developer
  API, docs, or SDK surface as of July 2026.
url: https://raw.githubusercontent.com/api-evangelist/trovy/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- kleiner-perkins
x-tier: stub
x-tier-reason: portfolio-lead
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: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - security
  generated: '2026-11-13'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-07-21'
tags:
- Company
- Fintech
- HELOC
- Home Equity
- Credit Cards
- Lending
- Consumer Finance
image: https://trovy.com/favicon.svg
apis: []
common:
- type: DomainSecurity
  url: security/trovy-domain-security.yml
- name: Website
  type: Website
  url: https://trovy.com
- name: Support
  type: Support
  url: https://trovy.com/contact-us
- name: FAQ
  type: FAQ
  url: https://trovy.com/faqs
- name: Blog
  type: Blog
  url: https://trovy.com/insights
- name: Pricing
  type: Pricing
  url: https://trovy.com/servicing-fee-schedule
- name: Sign Up
  type: SignUp
  url: https://trovy.com/apply
- name: Login
  type: Login
  url: https://trovy.com/app/login
- name: Terms of Service
  type: TermsOfService
  url: https://trovy.com/terms-of-use
- name: Privacy Policy
  type: PrivacyPolicy
  url: https://trovy.com/privacy-policy
- name: Careers
  type: Careers
  url: https://trovy.com/careers
- name: About
  type: About
  url: https://trovy.com/company
- name: Licenses
  type: Licenses
  url: https://trovy.com/licenses
- name: LLMs.txt
  type: LLMsTxt
  url: llms/trovy-llms.txt
- type: UsageTerms
  url: terms/trovy-terms-of-service.yml
- type: DataProcessing
  url: privacy/trovy-privacy-policy.yml
- type: Eligibility
  url: eligibility/trovy-eligibility.yml
- type: DataLicense
  url: data-license/trovy-data-license.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
x-enrichment:
  date: '2026-07-21'
  status: minimal
  artifacts_added: 4
  pass: local-v1

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