aid: unlock name: Unlock description: >- 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. url: https://raw.githubusercontent.com/api-evangelist/unlock/refs/heads/main/apis.yml image: https://www.unlock.com/app/uploads/logo-footer-1.svg x-type: company x-source: harvest:secondary-market specificationVersion: '0.20' created: '2026-09-02' modified: '2026-09-02' tags: - Company - Financial Services - FinTech - Home Equity - Mortgage - Real Estate - Consumer Lending - Home Equity Agreement - Personal Finance - Content apis: - aid: unlock:unlock-site-content-api name: Unlock Site Content API description: >- 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 routes, and they serve the company blurb and Tempe address, the 26 active states where the HEA is offered, legal disclaimers and footer disclosures, social profiles, logo assets, navigation menus by location, 145 FAQ entries and their categories, 8 homeowner testimonials, and the Unlock Learn curriculum. Anonymous access is read-only and needs no credential; the write methods the route index also advertises require a WordPress application password. humanURL: https://www.unlock.com/wp-json/unlock/v1 baseURL: https://www.unlock.com/wp-json tags: - Company - FAQ - Testimonials - Education - Content properties: - type: OpenAPI url: openapi/unlock-site-content-api-openapi.yml - type: Overlay url: overlays/unlock-site-content-api-overlay.yaml - type: Examples url: examples/unlock-active-states.json - type: Examples url: examples/unlock-company.json - type: Examples url: examples/unlock-social.json - type: Examples url: examples/unlock-logos.json - type: Examples url: examples/unlock-faq-categories.json - type: Examples url: examples/unlock-education-topics.json - type: Examples url: examples/unlock-education-lessons.json - type: Examples url: examples/unlock-menus-primary.json - aid: unlock:unlock-editorial-api name: Unlock Editorial API description: >- 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 stories, 6 education topics, 1 lesson and 11 bylined authors, plus the categories, tags and education-category taxonomies, cross-type search, and the self-describing type and status metadata. Read-only without credentials. humanURL: https://www.unlock.com/wp-json/wp/v2 baseURL: https://www.unlock.com/wp-json tags: - Posts - Articles - Stories - Media - Taxonomies - Search - Content properties: - type: OpenAPI url: openapi/unlock-editorial-api-openapi.yml - type: Overlay url: overlays/unlock-editorial-api-overlay.yaml - type: Examples url: examples/unlock-types.json - type: Examples url: examples/unlock-taxonomies.json - type: Examples url: examples/unlock-statuses.json - type: Examples url: examples/unlock-categories.json maintainers: - FN: Kin Lane email: kin@apievangelist.com - FN: APIs.json email: info@apis.io common: - type: Website url: https://www.unlock.com/ - type: About url: https://www.unlock.com/about/ - type: Blog url: https://www.unlock.com/blog/ - type: Support url: https://support.unlock.com/ - type: HelpCenter url: https://www.unlock.com/resources/faqs/ - type: Pricing url: https://www.unlock.com/what-it-costs/ - type: SignUp url: https://app.unlock.com/signup - type: Login url: https://app.unlock.com/login - type: TermsOfService url: https://www.unlock.com/legal/terms-of-use/ - type: PrivacyPolicy url: https://www.unlock.com/legal/privacy-policy/ - type: GitHubOrganization url: https://github.com/unlock-com - type: Careers url: https://www.unlock.com/careers/ - type: Authentication url: authentication/unlock-authentication.yml - type: Conventions url: conventions/unlock-conventions.yml - type: ErrorCatalog url: errors/unlock-problem-types.yml - type: DataModel url: data-model/unlock-data-model.yml - type: Lifecycle url: lifecycle/unlock-lifecycle.yml - type: Conformance url: conformance/unlock-conformance.yml - type: RateLimits url: rate-limits/unlock-rate-limits.yml - type: Plans url: plans/unlock-plans-pricing.yml - type: DomainSecurity url: security/unlock-domain-security.yml - type: LLMsTxt url: llms/unlock-llms.txt - type: Packages url: packages/unlock-packages.yml - type: AgentSkill url: skills/_index.yml - type: ToolCrosswalk url: mcp/unlock-tool-crosswalk.yml x-enrichment: date: '2026-09-02' status: enriched artifacts_added: 33 pass: local-v1 x-coverage: state: covered reason: covered detail: >- Unlock Technologies runs no developer program — no portal, reference, SDK, key issuance or partner API — but it does serve two anonymously readable, undocumented first-party REST surfaces on www.unlock.com, and the WordPress route index behind them publishes a full argument schema per route, which is what every contract in this profile was derived from. evidence: - url: https://www.unlock.com/wp-json/ status: 200 - url: https://www.unlock.com/wp-json/unlock/v1/active-states status: 200 - url: https://www.unlock.com/llms.txt status: 404 - url: https://www.unlock.com/.well-known/security.txt status: 404 checked: '2026-09-02'