Unlock
Unlock Technologies, Inc. is a Tempe, Arizona fintech founded in 2020 by Jim Riccitelli, Dan Foster and Ryan Craft, with a branch office in Troy, Michigan. Its flagship product is the home equity agreement (HEA) — a homeowner receives a lump sum today, from $15,000 up to $500,000, in exchange for a share of the home's future value, with no monthly payments and no interest, settled when the home is sold or refinanced or at the end of the ten-year term. Unlock charges an origination fee of up to 4.9% of the amount advanced, takes a share of the property capped at 49.9%, and caps its own return at 19.9% per year. The company is licensed in 26 US states and has raised roughly $52.6M in equity; its Series B included a $30M equity investment from D2 Asset Management, with Saluda Grade, Second Century Ventures and REACH also participating. Unlock sells to homeowners, not to developers: it publishes no developer program, no API reference, no SDKs, no key issuance and no partner API. The only machine-readable interfaces it exposes are the first-party WordPress REST namespaces behind www.unlock.com — `unlock/v1`, `unlock/v2` and `unlk/v1`, custom endpoints written for Unlock rather than WordPress core routes — plus the core `wp/v2` editorial content API. Both are captured here for discovery, are anonymously readable, and are read-only without credentials.
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 Unlock the way a machine reads it — 14 machine-readable artifacts across 2 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 — Unlock scores 25.4/100 (emerging), with a separate agent-readiness read of 26/100 (agent aware). 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. Every facet and dimension name is a link: it opens that measurement's page on APIs.io, where the rating runs across the whole catalog — the exact checks that feed it, how every profiled provider distributes on it, and who is at the top of it.
Kin Score
How this is scored →scored 2026-09-02 · rubric v0.18.0
Put this on your own site. The badge is drawn live from Unlock's current Kin Score — paste it once and it updates itself every time the score is recomputed. It follows your visitor's light or dark setting, and it links back here so anyone who sees it can read the full breakdown.
<!-- Kin Score · API Evangelist -->
<a href="https://providers.apievangelist.com/providers/unlock/"
title="Unlock on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/unlock.svg"
alt="Unlock Kin Score — API readiness rating by API Evangelist" width="150" height="150" loading="lazy">
</a>[](https://providers.apievangelist.com/providers/unlock/)<!-- Kin Score · API Evangelist -->
<a href="https://providers.apievangelist.com/providers/unlock/"
title="Unlock on API Evangelist — API profile and Kin Score">
<img src="https://apis.io/badge/unlock/card.svg"
alt="Unlock Kin Score — API readiness rating by API Evangelist" width="340" height="120" loading="lazy">
</a>More shapes, themes and sizes → · Score as JSON · How badges work
How we profile Unlock
Each block below is one kind of artifact we hold for Unlock. 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 2
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.
Unlock Site Content API
The first-party REST namespaces Unlock registers on www.unlock.com — `unlock/v1`, `unlock/v2` and `unlk/v1`. These are custom endpoints written for Unlock, not WordPress core ro...
Unlock Editorial API
Anonymous read access to the Unlock editorial archive through the WordPress core `wp/v2` namespace — 251 blog posts, 24 pages, 778 media items, 9 Learn articles, 13 homeowner st...
Pricing Plans 1
Pricing is part of the interface. Machine-readable plans tell you what a tier costs and includes before you commit — one of the things the Kin Score reads for access clarity — renamed from commercial clarity in rubric 0.12, because a free statutory interface has access terms and no commercial ones.
Published pricing tiers and plan structures.
Unlock Plans Pricing
PLANSRate Limits 1
Rate limits are the difference between a demo that works and a production integration that doesn't fall over. Publishing them is an operational-transparency signal — and a hard requirement for any agent that plans its own throughput.
Documented rate limits and quota policies.
Unlock Rate Limits
RATE LIMITSExamples 8
Real request and response payloads are what turn a spec from abstract into obvious — and they're one of the twelve things an agent needs to call an API correctly on the first try.
Example request and response payloads for these APIs.
Unlock Active States
EXAMPLEUnlock Company
EXAMPLEUnlock Logos
EXAMPLEUnlock Menus Primary
EXAMPLEUnlock Social
EXAMPLEUnlock Statuses
EXAMPLEUnlock Taxonomies
EXAMPLEUnlock Types
EXAMPLEScroll within the panel for all 8 ·
Security 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.
Resources
Every other property we hold for Unlock — 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 2
Portal, sign-up, and the first successful call
Agent Surfaces 2
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 5
Pagination, idempotency, versioning, errors, and events
Build 3
SDKs, sample code, and the tooling you integrate with
Access & Security 2
Authentication, authorization, and security posture
Operate 3
Status, limits, changes, and where to get help
Commercial 4
Pricing, plans, and the legal terms of use
Company 4
The organization behind the API
← All providers · Data indexed from github.com/api-evangelist/unlock · machine-readable index on apis.io
This is an independent, third-party profile of Unlock, published by API Evangelist. We do not operate, host, resell, or support these APIs, and we are not affiliated with or endorsed by the company unless stated above. Everything here is built from publicly available information — the company's own site, developer portal, documentation, public repositories, and the specifications it publishes for public use. Nothing is obtained by breaching a system, defeating an access control, or using credentials.
The Kin Score and Agent Readiness rating are independently calculated assessments of a company's public API artifacts, scored against a published rubric. They are not certifications, endorsements, security assessments, or audits.
Corrections, re-scores, and removal are free — no partnership or purchase required, and you do not need to justify the request. A removed company is recorded as unrated, never scored zero for having asked. Acknowledgement within one business day; removal within two.
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