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 publishes 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 15 more developer resources.

🌐 Visit website 📡 Source on GitHub
25.2/100 emerging ▬ flat Agent 3/100 human only Full breakdown ↓
scored 2026-08-17 · rubric v0.11.0
1 APIs
CompanyFintechLendingCreditArtificial IntelligencePersonal LoansBankingMarketplace

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-08-17 · rubric v0.11.0
Composite quality — 25.2/100 · emerging
Contract Quality 0.0 / 21
Developer Ergonomics 1.1 / 17
Commercial Clarity 7.2 / 17
Operational Transparency 3.5 / 11
Governance 0.3 / 10
Discoverability 7.4 / 9
Regulatory Posture 5.7 / 15
Agent readiness — 3/100 · human only
Machine-Readable Contract 0 / 18
Agentic Access Contract 0 / 10
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 3 / 3
A2A Agent Card 0 / 8
Dry-Run / Simulate Mode 0 / 4
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.
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/. This rating is computed from github.com/api-evangelist/upstart: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

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
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 2

The organization behind the API

Website
Website
 Blog
Blog

Source (apis.yml)

apis.yml Raw ↑ 
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
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-21'
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:
- 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