Figure
Figure is a fintech lender and blockchain-native capital marketplace, backed by Ribbit Capital, and one of the largest non-bank HELOC (home equity line of credit) originators in the United States. Its Partner APIs let affiliates, brokers, and loan originators run the full HELOC lifecycle — pre-qualification, inquiry creation, borrower/SSN/income and property enrichment, lien verification, matching-property and offer selection, borrower costs, and document retrieval — plus a Portfolio Manager reporting API for asset holders to query and download owned and pledged loan-tape and payment-history data. The REST APIs authenticate with an apikey header behind a Kong gateway, support optional JWE/RSA payload encryption, expose separate test and production environments, and push webhooks as inquiries and applications progress.
Real signal across most facets with visible, nameable gaps — the contract exists but is thin, or the portal is good while governance and commercial terms are absent.
API Evangelist profiles Figure the way a machine reads it — 13 machine-readable artifacts across 8 APIs, 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 — Figure scores 49.5/100 (developing), with a separate agent-readiness read of 71/100 (agent native). 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 Figure
Each block below is one kind of artifact we hold for Figure. 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.
APIs 8
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
Figure Encryption API
The Encryption API from Figure — 1 operation(s) for encryption.
Figure HELOC application requests API
The HELOC application requests API from Figure — 19 operation(s) for heloc application requests.
Figure HELOC Offers API
The HELOC Offers API from Figure — 2 operation(s) for heloc offers.
Figure Loan Originator requests API
The Loan Originator requests API from Figure — 1 operation(s) for loan originator requests.
Figure Loan Tape V1 API
The Loan Tape V1 API from Figure — 6 operation(s) for loan tape v1.
Figure Loan Tape V2 API
The Loan Tape V2 API from Figure — 3 operation(s) for loan tape v2.
Figure Payment History V1 API
The Payment History V1 API from Figure — 3 operation(s) for payment history v1.
Figure Payment History V2 API
The Payment History V2 API from Figure — 1 operation(s) for payment history v2.
Scroll within the panel for all 8 ·
MCP Servers 1
Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.
Model Context Protocol servers that expose these APIs to AI agents.
figure-mcp.yml
MCP SERVEREvent Specifications 1
Not every API is request/response. AsyncAPI describes the event-driven and streaming side — the webhooks and channels — so the asynchronous half of the interface is documented the same way the synchronous half is.
AsyncAPI definitions for this provider's event-driven and streaming APIs.
Figure Webhooks
ASYNCAPISecurity Posture 2
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.
Agentic Access 1
An x-agentic-access contract marks which operations are safe for an agent to run on its own and which need a human in the loop. It is the difference between an API an agent can use and one it can use safely.
Recommended x-agentic-access execution contracts for AI agents.
Resources
Every other property we hold for Figure — 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 4
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 4
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 6
Pagination, idempotency, versioning, errors, and events
Build 1
SDKs, sample code, and the tooling you integrate with
Access & Security 2
Authentication, authorization, and security posture
Operate 2
Status, limits, changes, and where to get help
Commercial 2
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
Other 3
Properties that don't map to a standard resource type
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