{
  "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",
    "unclaimed-property-finder",
    "Credit-card benefit coverage checks against issuer-verified published guides (extended warranty, purchase protection, trip delay, cell phone, return protection) with claim-deadline math",
    "Card-benefit claim packs: administrator filing steps, citation-locked cover note, evidence checklist, denial counters (honest-no on expired windows)"
  ],
  "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": 0.1,
      "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": 0.1,
      "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": 0.1,
      "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": 0.1,
      "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": 0.1,
      "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": 0.1,
      "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
    },
    {
      "path": "/api/wealth/bank-check",
      "method": "GET",
      "description": "FDIC bank-health check, deterministic — the raw component behind bank-health at the component price: PCA capital category (12 CFR 324.403), ROA/ROE/NIM, noncurrent-loan and reserve-coverage ratios, CRE asset-quality ratios, YoY deposit growth, uninsured-deposit share, and an 8-quarter trend, computed in code from FDIC quarterly Call Reports. Closed/failed institutions included with charter-end date. No LLM, no key, public domain.",
      "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"
        }
      ],
      "price_usd": 0.02,
      "payment_required": true
    },
    {
      "path": "/api/wealth/unclaimed",
      "method": "GET",
      "price": "$0.50",
      "description": "Find unclaimed money owed to you — routes to the official FREE US state (NAUPA/MissingMoney), federal (PBGC/FDIC/NCUA/HUD), and international (Canada/UK/Switzerland/Australia) programs for your situation, with the claim-documentation package. Deterministic, no LLM.",
      "params": {
        "states": "CA,TX,NY",
        "countries": "CH,CA",
        "situations": "former_pension|failed_bank|deceased_relative|moved_states",
        "name": "optional, not stored"
      }
    },
    {
      "path": "/api/wealth/card-benefit",
      "method": "GET",
      "description": "Credit-Card Benefit Coverage Check — Extended warranty, purchase protection, trip delay, cell phone, return protection — checked against ISSUER-verified published benefit guides (never network defaults: same-tier caps vary 20x by issuer). Caps, deductibles, eligibility windows, recoverable estimate, and the notify/document deadlines that kill late claims. Includes authoritative negative facts (Discover: nothing; Capital One World MC: gutted 2025).",
      "parameters": [
        {
          "name": "issuer",
          "required": true,
          "description": "Card issuer slug (chase, amex, capital-one, citi, hsbc, discover, amex-uk, rbc)"
        },
        {
          "name": "card",
          "required": true,
          "description": "Card slug (sapphire-reserve, platinum, venture-x, ...)"
        },
        {
          "name": "benefit",
          "required": true,
          "description": "Benefit to check"
        },
        {
          "name": "purchase_date",
          "required": false,
          "description": "Item/ticket purchase date YYYY-MM-DD (eligibility windows + warranty math)"
        },
        {
          "name": "incident_date",
          "required": false,
          "description": "Damage/theft/delay date YYYY-MM-DD — filing deadlines computed from this"
        },
        {
          "name": "item_price",
          "required": false,
          "description": "Item price — recoverable estimate = min(price, cap) - deductible"
        },
        {
          "name": "warranty_years",
          "required": false,
          "description": "Extended warranty: original manufacturer warranty length"
        },
        {
          "name": "delay_hours",
          "required": false,
          "description": "Trip delay: hours delayed (triggers are 6h or 12h by card tier)"
        },
        {
          "name": "phone_paid_on_card",
          "required": false,
          "description": "Cell phone: was the prior month's wireless bill paid on this card"
        }
      ],
      "price_usd": 0.05,
      "payment_required": true
    },
    {
      "path": "/api/wealth/card-benefit-preview",
      "method": "GET",
      "description": "Card-Benefit Coverage PREVIEW — $0.25 agent-tier scan of one card across all 5 protections (extended warranty, purchase protection, trip delay, cell phone, return protection): which likely apply, which need more info, which are ineligible now, which the card doesn't carry. Same deterministic registry as the $0.05 single-benefit check and $2.00 claim pack. No LLM.",
      "parameters": [
        {
          "name": "issuer",
          "required": true,
          "description": "Card issuer slug (chase, amex, capital-one, citi, hsbc, discover, amex-uk, rbc)"
        },
        {
          "name": "card",
          "required": true,
          "description": "Card slug (sapphire-reserve, platinum, venture-x, ...)"
        },
        {
          "name": "purchase_date",
          "required": false,
          "description": "Item/ticket purchase date YYYY-MM-DD — sharpens purchase/return-protection and warranty results"
        },
        {
          "name": "incident_date",
          "required": false,
          "description": "Incident date YYYY-MM-DD — sharpens deadline eligibility"
        },
        {
          "name": "item_price",
          "required": false,
          "description": "Item price"
        },
        {
          "name": "warranty_years",
          "required": false,
          "description": "Extended warranty: original manufacturer warranty length"
        },
        {
          "name": "delay_hours",
          "required": false,
          "description": "Trip delay: hours delayed"
        },
        {
          "name": "phone_paid_on_card",
          "required": false,
          "description": "Cell phone: was the prior month's wireless bill paid on this card"
        }
      ],
      "price_usd": 0.25,
      "payment_required": true
    },
    {
      "path": "/api/wealth/card-benefit-pack",
      "method": "GET",
      "description": "Card-Benefit Claim Pack — Everything in the coverage check PLUS the complete filing kit: administrator-specific steps, citation-locked cover note, evidence checklist, denial counters, deadline calendar. Honest-no: no pack sold on expired windows, uncovered cards, or unmet conditions. $2.00.",
      "parameters": [
        {
          "name": "issuer",
          "required": true,
          "description": "Card issuer slug (chase, amex, capital-one, citi, hsbc, discover, amex-uk, rbc)"
        },
        {
          "name": "card",
          "required": true,
          "description": "Card slug (sapphire-reserve, platinum, venture-x, ...)"
        },
        {
          "name": "benefit",
          "required": true,
          "description": "Benefit to check"
        },
        {
          "name": "purchase_date",
          "required": false,
          "description": "Item/ticket purchase date YYYY-MM-DD (eligibility windows + warranty math)"
        },
        {
          "name": "incident_date",
          "required": false,
          "description": "Damage/theft/delay date YYYY-MM-DD — filing deadlines computed from this"
        },
        {
          "name": "item_price",
          "required": false,
          "description": "Item price — recoverable estimate = min(price, cap) - deductible"
        },
        {
          "name": "warranty_years",
          "required": false,
          "description": "Extended warranty: original manufacturer warranty length"
        },
        {
          "name": "delay_hours",
          "required": false,
          "description": "Trip delay: hours delayed (triggers are 6h or 12h by card tier)"
        },
        {
          "name": "phone_paid_on_card",
          "required": false,
          "description": "Cell phone: was the prior month's wireless bill paid on this card"
        },
        {
          "name": "item_description",
          "required": false,
          "description": "What the item/trip is (cover note)"
        },
        {
          "name": "cardholder_name",
          "required": false,
          "description": "Name for the cover note (placeholder if omitted)"
        },
        {
          "name": "lang",
          "required": false,
          "description": "Pack language (default English)"
        }
      ],
      "price_usd": 2,
      "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"
}