aid: splitero
name: Splitero
description: 'Splitero is a San Diego, California fintech founded in 2021 by Michael Gifford and David
  Zvaifler that originates Home Equity Investments (HEIs) — a lump sum of cash, up to $500,000, paid to
  a homeowner today in exchange for a share of the home''s future value, with no monthly payments, no
  income requirement, credit scores accepted from 500, and terms of up to 30 years. The company operates
  a consumer application and servicing portal at my.splitero.com, funds its originations through institutional
  capital commitments (including a $350M facility led by Blue Owl Capital), and has expanded into a licensed
  residential brokerage, Splitero Homes. Splitero is an end-user consumer finance product: it publishes
  no developer portal, no public API, no SDKs and no machine-readable contract of any kind.'
url: https://raw.githubusercontent.com/api-evangelist/splitero/refs/heads/main/apis.yml
image: https://www.splitero.com/apple-touch-icon.png
x-type: company
x-source: harvest:secondary-market
x-tier: stub
x-tier-reason: harvest
specificationVersion: '0.20'
created: '2026-08-29'
modified: '2026-08-29'
tags:
- Company
- Financial-Services
- Fintech
- Real-Estate
- Home Equity
- Lending
- Mortgage
- Consumer Finance
tags_raw:
- Company
- Financial Services
- Fintech
- Real Estate
- Home Equity
- Lending
- Mortgage
- Consumer Finance
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/splitero-domain-security.yml
- type: Website
  url: https://www.splitero.com/
- type: Blog
  url: https://www.splitero.com/blog
- type: Support
  url: https://www.splitero.com/contact
- type: PrivacyPolicy
  url: https://www.splitero.com/privacy-policy
- type: TermsOfService
  url: https://www.splitero.com/terms-of-use
- type: Login
  url: https://my.splitero.com/login
- type: GitHubOrganization
  url: https://github.com/SpliteroInc
- type: WellKnown
  url: well-known/splitero-well-known.yml
- type: LLMsTxt
  url: llms/splitero-llms.txt
- type: Plans
  url: plans/splitero-plans-pricing.yml
- type: RateLimits
  url: rate-limits/splitero-rate-limits.yml
x-enrichment:
  date: '2026-08-29'
  status: minimal
  artifacts_added: 6
  pass: local-v1
x-coverage:
  state: none
  reason: no-developer-program
  detail: Splitero sells a consumer home equity investment through an authenticated web application at
    my.splitero.com; api.splitero.com, developers.splitero.com and docs.splitero.com do not resolve in
    DNS, and the only machine-readable document anywhere on the estate is the JWKS of its Stytch login
    tenant.
  evidence:
  - url: https://www.splitero.com/openapi.json
    status: 403
  - url: https://www.splitero.com/.well-known/api-catalog
    status: 404
  - url: https://www.splitero.com/.well-known/agent-card.json
    status: 404
  - url: https://www.splitero.com/llms.txt
    status: 404
  - url: https://my.splitero.com/openapi.json
    status: 200
  - url: https://auth.splitero.com/.well-known/jwks.json
    status: 200
  - url: https://auth.splitero.com/.well-known/openid-configuration
    status: 400
  checked: '2026-08-29'