Basic Capital
Basic Capital is a modern 401(k) platform that reimagines workplace retirement saving. It is the first and only 401(k) provider that lets participants finance assets inside their plan, offering $4 of financing for every $1 contributed for up to 5x investing power, alongside access to alternative and private-market investments. The platform pairs a mobile-first participant experience with 6,000+ investment options, a built-in brokerage window, support for mega backdoor Roth contributions, and its "Retirement Mortgage" long-term financing product. Basic Capital serves employers, employees, and financial advisors, with an IRA offering for individuals. Founded to modernize a retirement system largely unchanged for 40 years, the company is headquartered in New York City and closed a $25M Series A in 2025 led by Forerunner and Lux Capital, with participation from SV Angel, BoxGroup, and Henry Kravis. This API Evangelist profile tracks the company; Basic Capital does not publish a public developer API.
More than an index entry, but the surface is still mostly links rather than artifacts — the cohort most likely to move a full band from modest, well-targeted work.
API Evangelist profiles Basic Capital the way a machine reads it — 3 machine-readable artifacts, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Basic Capital scores 21.5/100 (emerging), with a separate agent-readiness read of 7/100 (human only). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Basic Capital
Each block below is one kind of artifact we hold for Basic Capital. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
Security Posture 3
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Resources
Every other property we hold for Basic Capital — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 1
Portal, sign-up, and the first successful call
Agent Surfaces 2
MCP servers, agent skills, and machine-readable catalogs
Access & Security 6
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 3
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
← All providers · Data indexed from github.com/api-evangelist/basic-capital · machine-readable index on apis.io