{
  "name": "WealthPulse",
  "description": "Personal finance intelligence API. 14 endpoints: financial health snapshots, retirement projections, debt payoff, credit cards, mortgage affordability, DIY debt negotiation, Social Security claiming strategy, year-end tax optimization, Roth vs Traditional decision, emergency fund sizing, inherited IRA rules, Trump Account (IRC §530A) eligibility/strategy/rules, FDIC Call Report bank-safety checks, and financial advisor intelligence (find, vet, compare). Global coverage — US, UK, Canada, Australia, India. Pay-per-query via x402 micropayments on Base.",
  "url": "https://wealthpulse.theaslangroupllc.com",
  "version": "2.3.0",
  "capabilities": [
    "financial-health-analysis",
    "retirement-planning",
    "social-security-claiming-strategy",
    "year-end-tax-optimization",
    "roth-vs-traditional-analysis",
    "debt-strategy",
    "debt-negotiation",
    "credit-card-optimization",
    "mortgage-affordability",
    "emergency-fund-sizing",
    "inherited-ira-rules",
    "trump-account-eligibility",
    "trump-account-strategy",
    "trump-account-rules",
    "live-rate-data",
    "financial-advisor-finder",
    "financial-advisor-vetting",
    "financial-advisor-comparison",
    "fdcpa-rights",
    "fiduciary-due-diligence",
    "backdoor-roth-analysis",
    "secure-act-2-guidance",
    "bank-safety-check",
    "fdic-call-report-analysis"
  ],
  "data_sources": [
    "FRED (Federal Reserve Economic Data) — mortgage rates, savings rates, credit card APR, inflation, Fed funds rate",
    "FDIC BankFind Suite (banks.data.fdic.gov) — quarterly Call Report institution and financial data",
    "Tavily — real-time credit card offers, HYSA rates, SS rule updates, tax strategy research",
    "Claude Sonnet — personalized financial analysis and synthesis"
  ],
  "payment": {
    "protocol": "x402",
    "network": "eip155:8453",
    "asset": "USDC",
    "contract": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
    "payTo": "0x50ab2018c06c6E4eAA9BA52057Eb55eD284912fc"
  },
  "endpoints": [
    { "path": "/api/wealth/snapshot", "method": "GET", "description": "Financial health snapshot — health score, strengths, concerns, key ratios (savings rate, DTI, emergency fund months), and highest-leverage action plan ranked by effort vs impact.", "parameters": [{"name": "age", "required": true}, {"name": "income", "required": true}, {"name": "savings", "required": false}, {"name": "debt", "required": false}, {"name": "expenses", "required": false}, {"name": "lang", "required": false}], "price_usd": 0.15, "payment_required": true },
    { "path": "/api/wealth/retire", "method": "GET", "description": "Retirement readiness projection — nest egg estimate, gap analysis, on-track assessment, 2026 contribution limits, global account support (401k/IRA, ISA/SIPP, RRSP/TFSA, Super, PPF/NPS).", "parameters": [{"name": "age", "required": true}, {"name": "income", "required": true}, {"name": "savings", "required": false}, {"name": "retire_at", "required": false}, {"name": "target_income", "required": false}, {"name": "lang", "required": false}], "price_usd": 0.15, "payment_required": true },
    { "path": "/api/wealth/debt", "method": "GET", "description": "Debt payoff strategy — avalanche vs snowball with total interest cost, months to payoff, consolidation check at current FRED rates, extra payment impact.", "parameters": [{"name": "debts", "required": true, "description": "name:balance:rate format, comma-separated"}, {"name": "extra", "required": false}, {"name": "lang", "required": false}], "price_usd": 0.10, "payment_required": true },
    { "path": "/api/wealth/cards", "method": "GET", "description": "Credit card optimization — top cards for any spend profile ranked by net annual value, current signup bonuses, pairing strategy.", "parameters": [{"name": "spend_profile", "required": true}, {"name": "monthly", "required": false}, {"name": "credit_score", "required": false}, {"name": "lang", "required": false}], "price_usd": 0.10, "payment_required": true },
    { "path": "/api/wealth/mortgage", "method": "GET", "description": "Mortgage affordability — max home price at current FRED rates, buy vs. wait recommendation, cost of waiting, first-time buyer programs.", "parameters": [{"name": "income", "required": true}, {"name": "down", "required": true}, {"name": "location", "required": false}, {"name": "debt", "required": false}, {"name": "lang", "required": false}], "price_usd": 0.10, "payment_required": true },
    { "path": "/api/wealth/debt-negotiate", "method": "GET", "description": "DIY debt settlement protocol — settlement percentage ranges, negotiation scripts, FDCPA rights, statute of limitations warning, what to do if sued.", "parameters": [{"name": "creditor", "required": true}, {"name": "balance", "required": false}, {"name": "type", "required": false}, {"name": "state", "required": false}, {"name": "lang", "required": false}], "price_usd": 0.15, "payment_required": true },
    { "path": "/api/wealth/advisor", "method": "GET", "description": "Financial advisor intelligence — action=find (NAPFA/XYPN/CFP search guide + interview questions), action=vet (BrokerCheck + SEC IAPD due diligence), action=compare (side-by-side with decisive recommendation).", "parameters": [{"name": "action", "required": true, "values": ["find", "compare", "vet"]}, {"name": "specialty", "required": false, "note": "required for find"}, {"name": "advisors", "required": false, "note": "required for compare"}, {"name": "name", "required": false, "note": "required for vet"}, {"name": "lang", "required": false}], "price_usd": "0.10 (find/compare) | 0.15 (vet)", "payment_required": true },
    { "path": "/api/wealth/ssa", "method": "GET", "description": "Social Security claiming strategy — optimal age (62 vs FRA vs 70), break-even analysis, spousal/survivor benefits, taxation threshold, clear recommendation.", "parameters": [{"name": "birth_year", "required": true}, {"name": "income", "required": false}, {"name": "marital_status", "required": false, "values": ["single", "married", "divorced", "widowed"]}, {"name": "health", "required": false, "values": ["good", "fair", "poor"]}, {"name": "lang", "required": false}], "price_usd": 0.15, "payment_required": true },
    { "path": "/api/wealth/tax", "method": "GET", "description": "Year-end tax optimization — Roth conversion opportunities, tax-loss harvesting, contribution deadlines, charitable strategies, ranked moves with savings estimates.", "parameters": [{"name": "income", "required": true}, {"name": "filing_status", "required": false}, {"name": "situation", "required": false, "description": "comma-separated: RSU_vesting,home_sale,bonus,capital_gains"}, {"name": "state", "required": false}, {"name": "lang", "required": false}], "price_usd": 0.15, "payment_required": true },
    { "path": "/api/wealth/roth", "method": "GET", "description": "Roth vs Traditional IRA/401k decision — income limit check, tax math, backdoor Roth eligibility (pro-rata warning), mega backdoor Roth, 2026 contribution limits.", "parameters": [{"name": "income", "required": true}, {"name": "age", "required": true}, {"name": "filing_status", "required": false}, {"name": "employer_match", "required": false}, {"name": "state", "required": false}, {"name": "lang", "required": false}], "price_usd": 0.10, "payment_required": true },
    { "path": "/api/wealth/emergency", "method": "GET", "description": "Emergency fund sizing — recommended months (job stability + dependents), dollar target, monthly savings plan, best current HYSA rates and account options.", "parameters": [{"name": "income", "required": true}, {"name": "expenses", "required": false}, {"name": "job_type", "required": false, "values": ["stable", "variable", "entrepreneur"]}, {"name": "dependents", "required": false}, {"name": "current_fund", "required": false}, {"name": "lang", "required": false}], "price_usd": 0.10, "payment_required": true },
    { "path": "/api/wealth/inheritance", "method": "GET", "description": "Inherited IRA rules under SECURE Act 2.0 — 10-year rule, RMD requirements, spousal rollover options, step-up in basis, distribution strategy to minimize taxes.", "parameters": [{"name": "relationship", "required": true, "values": ["spouse", "non-spouse", "minor-child", "disabled", "trust", "charity"]}, {"name": "account_type", "required": false, "values": ["traditional", "roth"]}, {"name": "balance", "required": false}, {"name": "your_age", "required": false}, {"name": "original_owner_age", "required": false}, {"name": "lang", "required": false}], "price_usd": 0.10, "payment_required": true },
    { "path": "/api/wealth/trump-account", "method": "GET", "description": "Trump Account (IRC §530A) intelligence — action=eligibility (deterministic account + $1,000 pilot eligibility verdict, Form 4547 next steps), action=strategy (Trump Account vs 529 vs Roth-for-kids vs UTMA by goal), action=rules (current verified rules by topic, flags commonly-misreported points). Verified against 26 USC §530A/§6434, IRS Notice 2025-68, Rev. Proc. 2026-25; proposed regs pending (hearing 2026-07-16). Free FAQ companion at /trump-accounts.", "parameters": [{"name": "action", "required": false, "values": ["eligibility", "strategy", "rules"], "note": "default rules"}, {"name": "birth_year", "required": false, "note": "required for eligibility unless birth_date given"}, {"name": "birth_date", "required": false}, {"name": "has_ssn", "required": false}, {"name": "ssn_work_valid", "required": false}, {"name": "us_citizen", "required": false}, {"name": "prior_election", "required": false}, {"name": "goal", "required": false, "values": ["education", "general", "retirement"]}, {"name": "child_age", "required": false}, {"name": "employer_program", "required": false}, {"name": "budget_yearly", "required": false}, {"name": "topic", "required": false, "values": ["contributions", "investments", "distributions", "tax", "enrollment"]}, {"name": "lang", "required": false}], "price_usd": 0.15, "payment_required": true },
    { "path": "/api/wealth/bank-health", "method": "GET", "description": "Is my bank safe? FDIC Call Report bank-health check — capital adequacy (Tier 1 leverage, CET1, Tier 1/Total risk-based ratios vs. FDIC Prompt Corrective Action thresholds), earnings (ROA/ROE/NIM), asset quality (noncurrent loans, loan-loss reserve coverage), CRE asset-quality ratios, year-over-year deposit growth, and estimated uninsured-deposit share, all computed deterministically from the latest and year-ago FDIC quarterly financials, plus an 8-quarter trend.", "parameters": [{"name": "bank", "required": true, "description": "bank name or FDIC certificate (CERT) number"}, {"name": "state", "required": false, "description": "2-letter state code to disambiguate a common bank name"}, {"name": "lang", "required": false}], "price_usd": 0.25, "payment_required": true }
  ],
  "agent_workflow_examples": [
    "Full financial review: /snapshot → /retire → /emergency → /roth",
    "Retirement planning: /retire → /ssa (timing) → /tax (Roth conversion window)",
    "Debt resolution: /debt → /debt-negotiate → /snapshot (after progress)",
    "Advisor hire: /advisor?action=find → /advisor?action=vet → /advisor?action=compare",
    "Inheritance: /inheritance → /tax (distribution tax impact)",
    "New child savings: /trump-account?action=eligibility → /trump-account?action=strategy → /roth (once child has earned income)",
    "Where to bank: /bank-health?bank=... → /emergency (where to park the emergency fund) → /snapshot"
  ],
  "openapi": "https://wealthpulse.theaslangroupllc.com/openapi.json",
  "llms_txt": "https://wealthpulse.theaslangroupllc.com/llms.txt",
  "contact": "https://wealthpulse.theaslangroupllc.com"
}