# Unlock

**Canonical:** https://apis.io/providers/unlock/  
**Website:** https://www.unlock.com/  
**APIs profiled:** 2

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.

## Kin Score — 25.4 / 100 (emerging)

Scored 2026-09-02 under rubric 0.18.0.

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 16.7 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 5.3 |
| Developer Ergonomics | 20.8 |
| Commercial Clarity | 44.7 |
| Access Clarity | 44.7 |

## Agent readiness — 25.9 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | documented |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## APIs (2)

- **Unlock Site Content API** — The first-party REST namespaces Unlock registers on www.unlock.com — `unlock/v1`, `unlock/v2` and `unlk/v1`. These are custom endpoints written for Unlock, not WordPress core ro...
- **Unlock Editorial API** — Anonymous read access to the Unlock editorial archive through the WordPress core `wp/v2` namespace — 251 blog posts, 24 pages, 778 media items, 9 Learn articles, 13 homeowner st...

## Security (2)

- **Unlock Authentication** — http · 1 scheme
- **Unlock Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Unlock Plans Pricing**

## Tags

Company, Financial Services, FinTech, Home Equity, Mortgage, Real Estate, Consumer Lending, Home Equity Agreement, Personal Finance, Content

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