Unlock

aid: unlock
name: Unlock
description: 'Unlock Technologies, Inc. is a Tempe, Arizona fintech founded in 2020 by Jim Riccitelli, Dan Foster and Ryan
  Craft, with a branch office in Troy, Michigan. Its flagship product is the home equity agreement (HEA) — a homeowner receives
  a lump sum today, from $15,000 up to $500,000, in exchange for a share of the home''s future value, with no monthly payments
  and no interest, settled when the home is sold or refinanced or at the end of the ten-year term. Unlock charges an origination
  fee of up to 4.9% of the amount advanced, takes a share of the property capped at 49.9%, and caps its own return at 19.9%
  per year. The company is licensed in 26 US states and has raised roughly $52.6M in equity; its Series B included a $30M
  equity investment from D2 Asset Management, with Saluda Grade, Second Century Ventures and REACH also participating. Unlock
  sells to homeowners, not to developers: it publishes no developer program, no API reference, no SDKs, no key issuance and
  no partner API. The only machine-readable interfaces it exposes are the first-party WordPress REST namespaces behind www.unlock.com
  — `unlock/v1`, `unlock/v2` and `unlk/v1`, custom endpoints written for Unlock rather than WordPress core routes — plus the
  core `wp/v2` editorial content API. Both are captured here for discovery, are anonymously readable, and are read-only without
  credentials.'
url: https://raw.githubusercontent.com/api-evangelist/unlock/refs/heads/main/apis.yml
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  probe_state: covered
  source:
  - authentication
  - rate-limits
  - security
  generated: '2026-11-06'
  method: derived
image: https://www.unlock.com/app/uploads/logo-footer-1.svg
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-09-02'
modified: '2026-09-02'
tags:
- Company
- Financial Services
- Fintech
- Home Equity
- Mortgage
- Real Estate
- Consumer Lending
- Home Equity Agreement
- Personal Finance
- Content
tags_raw:
- Company
- Financial Services
- FinTech
- Home Equity
- Mortgage
- Real Estate
- Consumer Lending
- Home Equity Agreement
- Personal Finance
- Content
- Financial-Services
- Real-Estate
apis:
- aid: unlock:unlock-com-website-wordpress-rest
  name: Unlock Website (WordPress REST)
  description: 'The public WordPress REST API (wp-json) of the Unlock website at www.unlock.com: the route index of the site''s
    content management system, catalogued as one site surface rather than as separate APIs.'
  baseURL: https://www.unlock.com/wp-json
  tags:
  - WordPress
  x-surface: platform-generated
  properties:
  - type: Documentation
    url: https://www.unlock.com/wp-json
  x-platform: wordpress
  x-platform-surface: rest
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.unlock.com/
- type: About
  url: https://www.unlock.com/about/
- type: Blog
  url: https://www.unlock.com/blog/
- type: Support
  url: https://support.unlock.com/
- type: HelpCenter
  url: https://www.unlock.com/resources/faqs/
- type: Pricing
  url: https://www.unlock.com/what-it-costs/
- type: SignUp
  url: https://app.unlock.com/signup
- type: Login
  url: https://app.unlock.com/login
- type: TermsOfService
  url: https://www.unlock.com/legal/terms-of-use/
- type: PrivacyPolicy
  url: https://www.unlock.com/legal/privacy-policy/
- type: GitHubOrganization
  url: https://github.com/unlock-com
- type: Careers
  url: https://www.unlock.com/careers/
- type: Authentication
  url: authentication/unlock-authentication.yml
- type: Conventions
  url: conventions/unlock-conventions.yml
- type: ErrorCatalog
  url: errors/unlock-problem-types.yml
- type: DataModel
  url: data-model/unlock-data-model.yml
- type: Lifecycle
  url: lifecycle/unlock-lifecycle.yml
- type: Conformance
  url: conformance/unlock-conformance.yml
- type: RateLimits
  url: rate-limits/unlock-rate-limits.yml
- type: Plans
  url: plans/unlock-plans-pricing.yml
- type: DomainSecurity
  url: security/unlock-domain-security.yml
- type: LLMsTxt
  url: llms/unlock-llms.txt
- type: Packages
  url: packages/unlock-packages.yml
- type: AgentSkill
  url: skills/_index.yml
- type: ToolCrosswalk
  url: mcp/unlock-tool-crosswalk.yml
- type: Examples
  url: examples/unlock-active-states.json
- type: Examples
  url: examples/unlock-company.json
- type: Examples
  url: examples/unlock-social.json
x-enrichment:
  date: '2026-09-02'
  status: enriched
  artifacts_added: 33
  pass: local-v1
x-coverage:
  state: covered
  reason: covered
  detail: Unlock Technologies runs no developer program — no portal, reference, SDK, key issuance or partner API — but it
    does serve two anonymously readable, undocumented first-party REST surfaces on www.unlock.com, and the WordPress route
    index behind them publishes a full argument schema per route, which is what every contract in this profile was derived
    from.
  evidence:
  - url: https://www.unlock.com/wp-json/
    status: 200
  - url: https://www.unlock.com/wp-json/unlock/v1/active-states
    status: 200
  - url: https://www.unlock.com/llms.txt
    status: 404
  - url: https://www.unlock.com/.well-known/security.txt
    status: 404
  checked: '2026-09-02'