# apis.finance > Agents can’t lend. They can call it. The hub of a family of finance APIs sharing one key: a Mandate registry, x402 settlement, and per-call finance data at posted prices. Every act the law reserves returns a typed BLOCKED with a cure. api.X is one API for one profession; apis.X is a family of APIs sharing one key. ## Callable now, keyless and free POST https://apis.finance/v1/amortization with {"principal": 250000, "annual_rate_pct": 6.5, "term_months": 360} returns a level-payment schedule as JSON: payment, periods, totals, and one row per period. GET the same path for the typed schema. A malformed body returns a typed 422 naming every field to fix. Pure math, nothing retained, no key, no charge. Floorplan collateral telemetry is live at a desk: $45 per floored VIN per audit period. desk@apis.finance ## Rate card GET https://apis.finance/rate-card.json is the machine-readable source; https://apis.finance/rate-card renders it for a person. Eight rows: Business credit / KYB, UCC lien search, Payoff quotes, Amortization math (LIVE, $0 keyless), License-permission lookup, Floorplan collateral telemetry (LIVE, desk pilot), Prequal simulation, KYA agent scores. Prices are flat, fixed at post; fee lines are named on every receipt and never a percentage of the credit. Sixteen further capabilities are typed in the card’s roadmap block with their gates; each refuses at the call today, and its price posts when it is live. ## The Mandate A floorplan line, a credit facility, an issued card: each is a Mandate with named parties on every artifact. available = ceiling - encumbered - settled, derived on read, never stored. Draw an Advance against available, post a Curtailment, request a Payoff. Every money event carries a settlement_ref. The registry is typed and not yet live. ## The line The law reserves four acts: extending credit, taking the application, negotiating terms, deciding. A call that reaches one gets a typed BLOCKED carrying act, reason, tier, statutes, reserved_to_party and a cure with route, endpoint and needs_human; needs_human routes to a marketplace of licensed parties, never a void. Nothing is metered on a BLOCKED. This answers today on every reserved route at https://apis.loans. ## The meter - data: No record, no charge. The served record releases it; a not-found result does not. - decisioned: No decision, no charge. The Decision artifact releases it. A declination is a Decision, and no platform fee varies with its direction. - secured: No perfection, no charge. The filing office’s own record of the filing. - unsecured: No funding, no charge. Money moves, with a settlement_ref. x402 metering (https://apis.finance/.well-known/x402) and the MCP server (https://apis.finance/mcp) are typed and not yet live; they gate the priced rows, never the keyless one. ## Posture Never holds paper. Never holds funds in the credit sense; the partner Lender is merchant of record for every finance charge. Never decides; the Lender decides. Never lets a fee depend on a Decision. Never lets a statutory clock expire in silence. Never blurs the parties: Lender, Borrower, Obligor-Guarantor named on every artifact. Never enters renounced territory: no merchant cash advance with confession of judgment, no title or payday lending, no debt settlement, no debt buying. ## Family - https://apis.finance: the hub. Catalog, key, rate card. You are here. - https://apis.credit: business credit, KYB, UCC lien search. - https://apis.loans: the origination door. Seven arithmetic routes live. - https://apis.mortgage: payoff, lien and eNote data. Waitlist open. ## Keys POST https://apis.finance/request-key with first_name, last_name, email (all required), rows, volume, building and property, as JSON or form-encoded. One key covers the family. keys@apis.finance ## Doors - https://apis.finance/ - https://apis.finance/llms.txt - https://apis.finance/rate-card.json - https://apis.finance/rate-card - https://apis.finance/mcp - https://apis.finance/.well-known/x402 - POST https://apis.finance/request-key ## Resources - https://apis.finance/v1/amortization ## Operational - https://apis.finance/robots.txt - https://apis.finance/healthz apis.finance is not a lender, does not extend credit, does not take applications, and does not decide. The Lender decides.