# apis.loans changelog

The dated history of the claims on https://apis.loans, newest first. A page that quietly changes a claim has made a second unverifiable claim, so changes are recorded here with what the page says now.

## 2026-09-03

The page was rebuilt from first principles in the family design system.

What it says now:
- Seven routes answer today, keyless and free: POST /v1/math/amortization, POST /v1/math/per-diem, POST /v1/math/payoff-projection, POST /v1/calendars/business-days, GET /v1/register, GET /v1/lifecycle, POST /v1/refusals/explain. Arithmetic on numbers the caller supplies; never an offer, a quote or a decision.
- Sixteen origination routes are published in /openapi.json with their gates and answer a typed refusal today: BLOCKED (LENDER_RESERVED or LICENSED) or UNRATIFIED. Four are BLOCKED, twelve are UNRATIFIED. No price is posted on any of them; a price posts when a row is live.
- The intake at POST /intake takes first_name, last_name and email (required) with the capability, the quarter and what you are building, and stores every submission durably.
- The machine doors are /openapi.json, /mcp, /llms.txt, /changelog.txt and POST /intake.

What changed: the copy is shorter and carries no status stamps outside the register; the page no longer states probe dates for sibling doors, and reports the family as links only. The refusal bodies shown on the page are the served responses, byte for byte.

apis.loans is not a lender. It extends no credit, takes no application, negotiates no terms, and decides nothing.