# Upstart

**Canonical:** https://apis.io/providers/upstart/  
**Website:** https://www.upstart.com  
**APIs profiled:** 1

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.

## Kin Score — 20.0 / 100 (emerging)

Scored 2026-08-19 under rubric 0.12.0. Trend: falling (-5.2 from 25.2).

| Facet | Score |
|---|---|
| Discoverability | 87.0 |
| Contract Quality | 0.0 |
| Governance | 4.5 |
| Contract Governance | 4.5 |
| Operational Transparency | 28.9 |
| Developer Ergonomics | 7.1 |
| Commercial Clarity | 27.6 |
| Access Clarity | 27.6 |

Regulatory layer — **Banking & Open Finance**: 31.6 (matched via tags).

## Agent readiness — 2.6 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | yes |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## APIs (1)

- **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 (3)

- **Upstart Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Upstart Vulnerability Disclosure** — security.txt · contact published
- **Upstart Trust Center** — trust center published

## Tags

Company, Fintech, Lending, Credit, Artificial Intelligence, Personal Loans, Banking, Marketplace

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