aid: bilt

name: BILT

image: https://framerusercontent.com/assets/YTMxpEJv31tk1JFEEX3t2rIls.png

description: BILT is a financial technology company offering a loyalty and payments platform that lets members earn rewards on rent and mortgage
  payments. It provides a co‑branded credit card, rent‑payment reporting to credit bureaus, and a suite of neighborhood benefits, aiming to transform
  housing expenses into valuable points and perks for users.

url: https://raw.githubusercontent.com/api-evangelist/bilt/refs/heads/main/apis.yml

x-type: company

x-source: harvest:secondary-market

x-tier: profiled
x-tier-reason: enrichment pass 2026-09-28 (modular-v1; was harvest)

specificationVersion: '0.20'

created: '2026-09-28'

modified: '2026-09-28'

tags:
- Fintech
- Loyalty
- Payments
- RentRewards
- Credit Cards
- Real Estate
tags_raw:
- FinTech
- Loyalty
- Payments
- RentRewards
- CreditCard
- RealEstate

maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io

common:
- type: Spectral
  url: rules/bilt-rules.yml
- type: JSONLD
  url: json-ld/bilt-context.jsonld
- type: Vocabulary
  url: vocabulary/bilt-vocabulary.yml
- type: Webhooks
  url: asyncapi/bilt-webhooks.yml
- type: DataModel
  url: data-model/bilt-data-model.yml
- type: Idempotency
  url: conventions/bilt-conventions.yml
- type: Conventions
  url: conventions/bilt-conventions.yml
- type: ErrorCatalog
  url: errors/bilt-problem-types.yml
- type: Conformance
  url: conformance/bilt-conformance.yml
- type: Overlay
  url: overlays/bilt-overlay.yaml
- type: LLMsTxt
  url: llms/bilt-llms.txt
- type: Hosts
  url: hosts/bilt-hosts.yml
- type: Vendors
  url: vendors/bilt-vendors.yml
- type: TrustCenter
  url: https://trust.bilt.com/
- type: Documentation
  url: https://developers.bilt.com/
- type: APIReference
  url: https://developers.bilt.com/docs/
- type: DomainSecurity
  url: security/bilt-domain-security.yml
- type: Website
  url: https://www.bilt.com

apis:
- name: Bilt Checkout SDK
  description: >-
    External backend contract for integrators using the Bilt Checkout SDK, documented at developers.bilt.com.
    No owned OpenAPI spec found on Bilt's own domain.
  humanURL: https://developers.bilt.com/docs/
  aid: bilt:bilt-checkout-sdk
- aid: bilt:bilt-default-payment-method-api
  name: BILT Default payment method API
  description: >-
    Read-only lookup of a customer's current default payment-method

    summary for display and pre-flight checks. Bilt resolves the default

    again at charge time, so it may change between lookup and payment.
  humanURL: https://developers.bilt.com/docs/
  tags:
  - Default payment method
  properties:
  - type: OpenAPI
    url: openapi/bilt-default-payment-method-api-openapi.yml
- aid: bilt:bilt-headless-payments-api
  name: BILT Headless payments API
  description: >-
    Charge a customer's current default Bilt payment method with no Bilt

    UI, for subscriptions, autopay, or other off-session payments. The

    outcome arrives as a `payment.*` webhook.
  humanURL: https://developers.bilt.com/docs/
  tags:
  - Headless payments
  properties:
  - type: OpenAPI
    url: openapi/bilt-headless-payments-api-openapi.yml
- aid: bilt:bilt-one-time-payments-api
  name: BILT One-time payments API
  description: >-
    Open a checkout session that renders Bilt-hosted checkout in the

    Checkout SDK. The customer confirms the payment themselves; the

    outcome arrives as a `checkout.session.*` webhook.
  humanURL: https://developers.bilt.com/docs/
  tags:
  - One-Time Payments
  tags_raw:
  - One-time payments
  properties:
  - type: OpenAPI
    url: openapi/bilt-one-time-payments-api-openapi.yml
x-coverage:
  state: unreadable
  reason: no-machine-readable-spec
  detail: The only OpenAPI spec found is hosted at partnerapi.biltrewards.com, not on Bilt's own domain.
  evidence:
  - url: https://developers.bilt.com/docs/specs/checkout-sdk.yml
    status: 200
  checked: '2026-09-28'
x-enrichment:
  date: '2026-09-28'
  status: enriched
  artifacts_added: 18
  pass: modular-v1
  engine: identity=local,contract=local,surfaces=local,docs=local,regulatory=local