Upstart

Upstart is an AI lending marketplace (NASDAQ: UPST) that connects consumers with banks and credit unions, using AI-driven underwriting models to price credit beyond traditional FICO-based scoring. The marketplace offers personal loans, car loan refinancing, debt consolidation, home equity lines of credit, and short-term relief loans - loans are originated by regulated bank and credit-union partners, including lender-branded powered-by-Upstart sites. Upstart's API surface is partner-facing rather than public: a Reporting API for lending partners is operated at api.upstart.com and publicly tracked on status.upstart.com, but no public developer portal or API documentation is published.

Upstart is listed with 1 API on the APIs.io network. Tagged areas include Company, Fintech, Lending, Credit, and Artificial Intelligence.

Upstart’s developer surface includes engineering blog, support, and 17 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

18.3/100 emerging ▬ flat Agent 0/100 human only Front door AI 1/6 silent Heartbeat 98/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

1 API

Company Fintech Lending Credit Artificial Intelligence Personal Loans Banking Marketplace

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 18.3/100 · emerging

Contract Quality 0.0 / 21

Developer Ergonomics 1.2 / 17

Access Clarity 4.7 / 17

Operational Transparency 3.2 / 11

Contract Governance 0.5 / 10

Discoverability 6.2 / 9

Regulatory Posture 2.8 / 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 Banking & Open Finance 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
MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
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)
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)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes

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
Developer Ergonomics scores 7.1 — up to +18.6 composite points
Access Clarity scores 27.6 — up to +14.5 composite points

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.

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

APIs 1

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

Upstart Reporting API

Partner-facing reporting API for Upstart's bank and credit-union lending partners. Not publicly documented - its existence and availability are publicly evidenced by the "Report...

Security Posture 3

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

Upstart Domain Security

TLSv1.3 · HSTS · DNSSEC · DMARC

SECURITY

Upstart Vulnerability Disclosure

security.txt · contact published

SECURITY

Upstart Trust Center

trust center published

SECURITY

Resources

Get Started 1

Portal, sign-up, and the first successful call

Login

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Design & Contract 2

Pagination, idempotency, versioning, errors, and events

Lifecycle

Lifecycle

Conformance

Conformance

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrganization

GitHubOrganization

Access & Security 5

Authentication, authorization, and security posture

TrustCenter

TrustCenter

Security

Security

VulnerabilityDisclosure

VulnerabilityDisclosure

SecurityTxt

SecurityTxt

DomainSecurity

DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support

Support

StatusPage

StatusPage

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 4

The organization behind the API

Blog

BlogRSS

Website

Blog

Source (apis.yml)

aid: upstart
name: Upstart
description: 'Upstart is an AI lending marketplace (NASDAQ: UPST) that connects consumers with banks and credit unions, using
  AI-driven underwriting models to price credit beyond traditional FICO-based scoring. The marketplace offers personal loans,
  car loan refinancing, debt consolidation, home equity lines of credit, and short-term relief loans - loans are originated
  by regulated bank and credit-union partners, including lender-branded powered-by-Upstart sites. Upstart''s API surface is
  partner-facing rather than public: a Reporting API for lending partners is operated at api.upstart.com and publicly tracked
  on status.upstart.com, but no public developer portal or API documentation is published.'
url: https://raw.githubusercontent.com/api-evangelist/upstart/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- first-round-capital
- gv
- khosla-ventures
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: '2026-11-06'
  method: derived
specificationVersion: '0.23'
created: '2026-07-17'
modified: '2026-10-06'
image: https://d1cy3c0knche0o.cloudfront.net/static/hero_social_thumbnail.jpg
tags:
- Company
- Fintech
- Lending
- Credit
- Artificial Intelligence
- Personal Loans
- Banking
- Marketplace
apis:
- name: Upstart Reporting API
  description: Partner-facing reporting API for Upstart's bank and credit-union lending partners. Not publicly documented
    - its existence and availability are publicly evidenced by the "Reporting API" component on Upstart's status page (live
    since 2021-03-16) and the api.upstart.com host, which serves Upstart's security.txt. Access is limited to Upstart lending
    partners.
  humanURL: https://www.upstart.com/lenders
  baseURL: https://api.upstart.com
  tags:
  - Lending
  - Reporting
  - Partner API
  properties:
  - type: StatusPage
    url: https://status.upstart.com
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- url: https://www.upstart.com/news
  type: Blog
- url: https://www.upstart.com/news/feed/
  type: BlogRSS
- type: Website
  url: https://www.upstart.com
- type: Blog
  url: https://www.upstart.com/learn/
- type: Support
  url: https://upstarthelp.upstart.com/
- type: Login
  url: https://www.upstart.com/login
- type: TermsOfService
  url: https://www.upstart.com/terms
- type: PrivacyPolicy
  url: https://www.upstart.com/privacy_policy
- type: GitHubOrganization
  url: https://github.com/teamupstart
- type: StatusPage
  url: https://status.upstart.com
- type: Lifecycle
  url: lifecycle/upstart-lifecycle.yml
- type: TrustCenter
  url: https://trust.upstart.com/
- type: Security
  url: https://www.upstart.com/lenders/regulatory-compliance/vulnerability-reporting/
- type: VulnerabilityDisclosure
  url: security/upstart-vulnerability-disclosure.yml
- type: SecurityTxt
  url: well-known/upstart-security.txt
- type: WellKnown
  url: well-known/upstart-well-known.yml
- type: DomainSecurity
  url: security/upstart-domain-security.yml
- type: Conformance
  url: conformance/upstart-conformance.yml
- type: LLMsTxt
  url: llms/upstart-llms.txt
x-enrichment:
  date: '2026-07-21'
  status: enriched
  artifacts_added: 8
  pass: local-v1

Upstart API — frequently asked questions

Does Upstart have an API?

Yes. APIs.io lists 1 API from Upstart, including Upstart Reporting API.

Is the Upstart API ready for AI agents?

Upstart has a Kin Score of 18.3 out of 100 (emerging) and an Agent Readiness score of 0.0 (human-only), scored by API Evangelist on 2026-11-06.

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