Unlock

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.

Unlock publishes 1 API on the APIs.io network. Tagged areas include Company, Financial Services, Fintech, Home Equity, and Mortgage.

Unlock’s developer surface includes engineering blog, support, pricing, signup flow, authentication, code examples, and 22 more developer resources.

🌐 Visit website 📡 Source on GitHub

23.3/100 emerging ▬ flat Agent 10/100 agent aware Front door AI 1/6 silent Full breakdown ↓
scored 2026-09-25 · rubric v0.23.0

2 APIs

Company Financial Services Fintech Home Equity Mortgage Real Estate Consumer LendingHome Equity AgreementPersonal Finance Content

Kin Score

Kin Score How this is scored →
scored 2026-09-25 · rubric v0.23.0

Composite quality — 23.3/100 · emerging

Contract Quality 1.4 / 21

Developer Ergonomics 5.2 / 17

Access Clarity 6.5 / 17

Operational Transparency 0.3 / 11

Contract Governance 0.5 / 10

Discoverability 4.9 / 9

Regulatory Posture 3.7 / 15

Agent readiness — 10/100 · agent aware

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 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

Regulatory Posture applies to this provider. Its tags matched the Horizontal (data, software, accessibility, platform) 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 does not apply to this provider. The published contracts declare no write operations, and a read-only API cannot create-or-update. The facet is excluded from this provider's denominator entirely — not scored zero. A reference or data API is not deficient for being unable to upsert.

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/.

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 github.com/api-evangelist/unlock: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 1

Individual APIs this provider publishes, each with its own machine-readable definition.

Unlock Website (WordPress REST)

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 t...

Pricing Plans 1

Published pricing tiers and plan structures.

Unlock Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Unlock Rate Limits

0 limits

RATE LIMITS

Examples 3

Example request and response payloads for these APIs.

Unlock Active States

2 fields

EXAMPLE

Unlock Company

2 fields

EXAMPLE

Unlock Social

6 fields

EXAMPLE

Security Posture 2

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

Unlock Authentication

http · 1 scheme

SECURITY

Unlock Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

SignUp

SignUp

Login

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

AgentSkill

AgentSkill

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

Conventions

ErrorCatalog

DataModel

Lifecycle

Conformance

Build 6

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

Packages

ToolCrosswalk

Examples

Examples

Examples

Access & Security 2

Authentication, authorization, and security posture

Authentication

Authentication

DomainSecurity

DomainSecurity

Operate 3

Status, limits, changes, and where to get help

Support

Support

HelpCenter

HelpCenter

RateLimits

RateLimits

Commercial 4

Pricing, plans, and the legal terms of use

Pricing

TermsOfService

PrivacyPolicy

Plans

Company 4

The organization behind the API

Website

About

Blog

Careers

Source (apis.yml)

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
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'

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