{
  "openapi": "3.1.0",
  "info": {
    "title": "WealthPulse API",
    "description": "Personal finance intelligence API. 14 endpoints grounded in live FRED rate data and official FDIC Call Report data \u2014 financial health, retirement, debt, credit cards, mortgage, Social Security, tax optimization, Roth vs Traditional, emergency fund, inherited IRA, debt negotiation, Trump Account (IRC \u00a7530A) eligibility/strategy/rules, bank-safety/FDIC Call Report checks, and financial advisor intelligence. All endpoints require x402 payment (USDC on Base mainnet).",
    "version": "2.3.0",
    "contact": {
      "url": "https://wealthpulse.theaslangroupllc.com"
    }
  },
  "servers": [
    {
      "url": "https://wealthpulse.theaslangroupllc.com"
    }
  ],
  "components": {
    "securitySchemes": {
      "x402": {
        "type": "apiKey",
        "in": "header",
        "name": "PAYMENT-SIGNATURE",
        "description": "x402 payment signature. Omit to receive a 402 with payment requirements. Sign and retry to receive data."
      }
    }
  },
  "paths": {
    "/api/wealth/snapshot": {
      "get": {
        "summary": "Financial health snapshot",
        "description": "How healthy are my finances right now, and what should I fix first? Personalized financial position analysis: health score, strengths, concerns, key ratios (savings rate, DTI, emergency fund months), and highest-leverage action plan ranked by effort vs impact.",
        "operationId": "wealthSnapshot",
        "security": [
          {
            "x402": []
          }
        ],
        "parameters": [
          {
            "name": "age",
            "in": "query",
            "required": true,
            "schema": {
              "type": "integer"
            }
          },
          {
            "name": "income",
            "in": "query",
            "required": true,
            "schema": {
              "type": "number"
            },
            "description": "Annual income in USD"
          },
          {
            "name": "savings",
            "in": "query",
            "required": false,
            "schema": {
              "type": "number"
            },
            "description": "Total savings/investments in USD"
          },
          {
            "name": "debt",
            "in": "query",
            "required": false,
            "schema": {
              "type": "number"
            },
            "description": "Total non-mortgage debt in USD"
          },
          {
            "name": "expenses",
            "in": "query",
            "required": false,
            "schema": {
              "type": "number"
            },
            "description": "Monthly expenses in USD"
          },
          {
            "name": "lang",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          }
        ],
        "responses": {
          "200": {
            "description": "Financial health snapshot with action plan"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.15,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/wealth/retire": {
      "get": {
        "summary": "Retirement readiness projection",
        "description": "Will I have enough to retire, and what do I need to change? Nest egg projection, gap analysis vs. target income, on-track assessment, 2026 contribution limits, global account support (US 401k/IRA, UK ISA/SIPP, Canada RRSP/TFSA, Australia Super, India PPF/NPS).",
        "operationId": "wealthRetire",
        "security": [
          {
            "x402": []
          }
        ],
        "parameters": [
          {
            "name": "age",
            "in": "query",
            "required": true,
            "schema": {
              "type": "integer"
            },
            "description": "Your current age"
          },
          {
            "name": "income",
            "in": "query",
            "required": true,
            "schema": {
              "type": "number"
            },
            "description": "Annual income in USD"
          },
          {
            "name": "savings",
            "in": "query",
            "required": false,
            "schema": {
              "type": "number"
            },
            "description": "Current retirement savings in USD"
          },
          {
            "name": "retire_at",
            "in": "query",
            "required": false,
            "schema": {
              "type": "integer",
              "default": 65
            }
          },
          {
            "name": "target_income",
            "in": "query",
            "required": false,
            "schema": {
              "type": "number"
            }
          },
          {
            "name": "lang",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          }
        ],
        "responses": {
          "200": {
            "description": "Retirement projection with gap analysis and action plan"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.15,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/wealth/debt": {
      "get": {
        "summary": "Avalanche vs snowball debt payoff strategy",
        "description": "Avalanche or snowball \u2014 which pays off my debt faster and cheaper? Comparison of both strategies with total interest cost, months to payoff, and a consolidation check at current FRED rates.",
        "operationId": "wealthDebt",
        "security": [
          {
            "x402": []
          }
        ],
        "parameters": [
          {
            "name": "debts",
            "in": "query",
            "required": true,
            "schema": {
              "type": "string"
            },
            "description": "name:balance:rate format, comma-separated (e.g. credit-card:8500:24,car-loan:12000:6.5)"
          },
          {
            "name": "extra",
            "in": "query",
            "required": false,
            "schema": {
              "type": "number"
            },
            "description": "Extra monthly payment available in USD (optional)"
          },
          {
            "name": "lang",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          }
        ],
        "responses": {
          "200": {
            "description": "Debt strategy comparison with recommended approach"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.1,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/wealth/cards": {
      "get": {
        "summary": "Best credit card for your spending profile",
        "description": "Which credit card is actually worth it for my spending? Ranks cards by net annual value (rewards minus fees) for any spending profile. Includes current signup bonuses and multi-card pairing strategy.",
        "operationId": "wealthCards",
        "security": [
          {
            "x402": []
          }
        ],
        "parameters": [
          {
            "name": "spend_profile",
            "in": "query",
            "required": true,
            "schema": {
              "type": "string"
            },
            "description": "Required. Free text, e.g. travel, dining, groceries, gas, cashback."
          },
          {
            "name": "monthly",
            "in": "query",
            "required": false,
            "schema": {
              "type": "number",
              "default": 3000
            },
            "description": "Monthly spend in USD (default: 3000)"
          },
          {
            "name": "credit_score",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "enum": [
                "good",
                "very_good",
                "excellent"
              ]
            },
            "description": "Approximate credit tier"
          },
          {
            "name": "lang",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          }
        ],
        "responses": {
          "200": {
            "description": "Top credit card recommendations with net annual value"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.1,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/wealth/mortgage": {
      "get": {
        "summary": "How much house can I afford",
        "description": "How much house can I actually afford? Home affordability at current FRED mortgage rates, buy vs. wait recommendation, cost-of-waiting analysis, and first-time buyer programs.",
        "operationId": "wealthMortgage",
        "security": [
          {
            "x402": []
          }
        ],
        "parameters": [
          {
            "name": "income",
            "in": "query",
            "required": true,
            "schema": {
              "type": "number"
            },
            "description": "Annual gross income in USD"
          },
          {
            "name": "down",
            "in": "query",
            "required": true,
            "schema": {
              "type": "number"
            },
            "description": "Down payment in USD"
          },
          {
            "name": "location",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "default": "US"
            }
          },
          {
            "name": "debt",
            "in": "query",
            "required": false,
            "schema": {
              "type": "number"
            },
            "description": "Existing monthly debt payments in USD"
          },
          {
            "name": "lang",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          }
        ],
        "responses": {
          "200": {
            "description": "Affordability analysis with buy vs. wait recommendation"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.1,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/wealth/debt-negotiate": {
      "get": {
        "summary": "Can I settle this debt for less",
        "description": "Can I settle this debt for less than I owe, and how do I negotiate it myself? DIY debt-negotiation protocol with settlement percentage ranges, creditor scripts, FDCPA rights, statute-of-limitations warning, what to get in writing, and what to do if sued.",
        "operationId": "wealthDebtNegotiate",
        "security": [
          {
            "x402": []
          }
        ],
        "parameters": [
          {
            "name": "creditor",
            "in": "query",
            "required": true,
            "schema": {
              "type": "string"
            },
            "description": "The collector or original creditor name"
          },
          {
            "name": "balance",
            "in": "query",
            "required": false,
            "schema": {
              "type": "number"
            },
            "description": "Balance owed in USD"
          },
          {
            "name": "type",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            },
            "description": "credit_card | medical | personal | auto | student"
          },
          {
            "name": "state",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          },
          {
            "name": "lang",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          }
        ],
        "responses": {
          "200": {
            "description": "Negotiation protocol with scripts and FDCPA rights"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.15,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/wealth/advisor": {
      "get": {
        "summary": "Financial advisor finder, comparison, and background check",
        "description": "Where do I find, compare, or vet a financial advisor? Multi-action financial advisor intelligence. action=find: NAPFA/XYPN/CFP Board search guide with interview questions ($0.10). action=compare: side-by-side comparison with decisive recommendation ($0.10). action=vet: BrokerCheck + SEC IAPD due diligence protocol ($0.15).",
        "operationId": "wealthAdvisor",
        "security": [
          {
            "x402": []
          }
        ],
        "parameters": [
          {
            "name": "action",
            "in": "query",
            "required": true,
            "schema": {
              "type": "string",
              "enum": [
                "find",
                "compare",
                "vet"
              ]
            },
            "description": "Required. One of: find, compare, vet."
          },
          {
            "name": "specialty",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            },
            "description": "Required for action=find (e.g. retirement planning, tax, estate, investment)"
          },
          {
            "name": "advisors",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            },
            "description": "Required for action=compare (e.g. \"Advisor A 1% AUM, Advisor B flat fee\")"
          },
          {
            "name": "name",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            },
            "description": "Required for action=vet (advisor name)"
          },
          {
            "name": "location",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            },
            "description": "Optional; sharpens action=find directory results (e.g. Denver, CO)"
          },
          {
            "name": "situation",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            },
            "description": "Optional free-text context about your situation"
          },
          {
            "name": "firm",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            },
            "description": "Optional firm name; used alongside name for action=vet"
          },
          {
            "name": "lang",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          }
        ],
        "responses": {
          "200": {
            "description": "Advisor intelligence report (find/compare/vet)"
          },
          "400": {
            "description": "Invalid or missing action parameter"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": "0.10 (find/compare) | 0.15 (vet)",
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/wealth/ssa": {
      "get": {
        "summary": "Social Security claiming strategy",
        "description": "What age should I claim Social Security? Optimal claiming-age analysis with benefit estimates at 62, full retirement age, and 70, break-even math, spousal and survivor benefits, and taxation threshold.",
        "operationId": "wealthSSA",
        "security": [
          {
            "x402": []
          }
        ],
        "parameters": [
          {
            "name": "birth_year",
            "in": "query",
            "required": true,
            "schema": {
              "type": "integer"
            },
            "description": "Year of birth (used to calculate Full Retirement Age)"
          },
          {
            "name": "income",
            "in": "query",
            "required": false,
            "schema": {
              "type": "number"
            },
            "description": "Annual earnings (for benefit estimate context)"
          },
          {
            "name": "marital_status",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "enum": [
                "single",
                "married",
                "divorced",
                "widowed"
              ],
              "default": "single"
            }
          },
          {
            "name": "health",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "enum": [
                "good",
                "fair",
                "poor"
              ]
            }
          },
          {
            "name": "lang",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          }
        ],
        "responses": {
          "200": {
            "description": "Social Security claiming strategy with break-even analysis"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.15,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/wealth/tax": {
      "get": {
        "summary": "Year-end tax optimization",
        "description": "What tax moves should I make before December 31st? Ranked list of tax-saving moves before December 31st (and April 15 deadline moves). Covers Roth conversions, tax-loss harvesting, contribution deadlines, charitable strategies, with savings estimates per move.",
        "operationId": "wealthTax",
        "security": [
          {
            "x402": []
          }
        ],
        "parameters": [
          {
            "name": "income",
            "in": "query",
            "required": true,
            "schema": {
              "type": "number"
            },
            "description": "Annual gross income in USD"
          },
          {
            "name": "filing_status",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "enum": [
                "single",
                "married_filing_jointly",
                "married_filing_separately",
                "head_of_household"
              ],
              "default": "single"
            }
          },
          {
            "name": "situation",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            },
            "description": "Comma-separated: RSU_vesting,home_sale,bonus,capital_gains,inherited_assets"
          },
          {
            "name": "state",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          },
          {
            "name": "lang",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          }
        ],
        "responses": {
          "200": {
            "description": "Year-end tax optimization opportunities ranked by savings"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.15,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/wealth/roth": {
      "get": {
        "summary": "Roth vs Traditional IRA/401k decision",
        "description": "Should I contribute to a Roth or Traditional IRA/401(k)? Income limit check, tax math, backdoor Roth eligibility (with pro-rata rule warning), mega backdoor Roth eligibility, 2026 contribution limits.",
        "operationId": "wealthRoth",
        "security": [
          {
            "x402": []
          }
        ],
        "parameters": [
          {
            "name": "income",
            "in": "query",
            "required": true,
            "schema": {
              "type": "number"
            },
            "description": "Annual gross income in USD"
          },
          {
            "name": "age",
            "in": "query",
            "required": true,
            "schema": {
              "type": "integer"
            },
            "description": "Your current age"
          },
          {
            "name": "filing_status",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "enum": [
                "single",
                "married_filing_jointly"
              ],
              "default": "single"
            }
          },
          {
            "name": "employer_match",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "enum": [
                "yes",
                "no"
              ]
            },
            "description": "Whether your employer offers a 401k match (yes/no)"
          },
          {
            "name": "state",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          },
          {
            "name": "lang",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          }
        ],
        "responses": {
          "200": {
            "description": "Roth vs Traditional recommendation with tax math"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.1,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/wealth/emergency": {
      "get": {
        "summary": "Emergency fund sizing",
        "description": "How big should my emergency fund be, and how do I build it? Recommended emergency fund target (months and dollars) based on job stability and dependents, monthly savings plan to reach it, and best current HYSA accounts with live rates.",
        "operationId": "wealthEmergency",
        "security": [
          {
            "x402": []
          }
        ],
        "parameters": [
          {
            "name": "income",
            "in": "query",
            "required": true,
            "schema": {
              "type": "number"
            },
            "description": "Annual income in USD"
          },
          {
            "name": "expenses",
            "in": "query",
            "required": false,
            "schema": {
              "type": "number"
            },
            "description": "Monthly expenses in USD"
          },
          {
            "name": "job_type",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "enum": [
                "stable",
                "variable",
                "entrepreneur"
              ],
              "default": "stable"
            }
          },
          {
            "name": "dependents",
            "in": "query",
            "required": false,
            "schema": {
              "type": "integer"
            },
            "description": "Number of dependents"
          },
          {
            "name": "current_fund",
            "in": "query",
            "required": false,
            "schema": {
              "type": "number"
            },
            "description": "Existing emergency fund in USD"
          },
          {
            "name": "lang",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          }
        ],
        "responses": {
          "200": {
            "description": "Emergency fund target with funding plan and HYSA recommendations"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.1,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/wealth/inheritance": {
      "get": {
        "summary": "Inherited IRA and estate rules",
        "description": "I inherited an IRA \u2014 what are the rules and how do I minimize taxes? Inherited IRA rules under SECURE Act 2.0: 10-year rule, RMD requirements, spousal rollover options, step-up in basis for inherited taxable assets, and optimal distribution strategy to minimize taxes.",
        "operationId": "wealthInheritance",
        "security": [
          {
            "x402": []
          }
        ],
        "parameters": [
          {
            "name": "relationship",
            "in": "query",
            "required": true,
            "schema": {
              "type": "string",
              "enum": [
                "spouse",
                "non-spouse",
                "minor-child",
                "disabled",
                "chronically-ill",
                "not-more-than-10-years-younger",
                "trust",
                "charity"
              ]
            }
          },
          {
            "name": "account_type",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "enum": [
                "traditional",
                "roth"
              ],
              "default": "traditional"
            }
          },
          {
            "name": "balance",
            "in": "query",
            "required": false,
            "schema": {
              "type": "number"
            },
            "description": "Inherited account balance in USD"
          },
          {
            "name": "your_age",
            "in": "query",
            "required": false,
            "schema": {
              "type": "integer"
            },
            "description": "Your current age"
          },
          {
            "name": "original_owner_age",
            "in": "query",
            "required": false,
            "schema": {
              "type": "integer"
            },
            "description": "Original owner's age at time of death"
          },
          {
            "name": "lang",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          }
        ],
        "responses": {
          "200": {
            "description": "Inherited IRA rules and distribution strategy"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.1,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/wealth/trump-account": {
      "get": {
        "summary": "Trump Account (IRC §530A) eligibility, strategy, and rules",
        "description": "Is my child eligible for the $1,000 Trump Account pilot? Trump Account vs 529? What are the current contribution, investment, and distribution rules? Multi-action Trump Account intelligence, verified against 26 USC §530A, §6434, IRS Notice 2025-68, and Rev. Proc. 2026-25. action=eligibility: deterministic account + $1,000 pilot eligibility verdict with Form 4547 next steps. action=strategy: Trump Account vs 529 vs Roth-for-kids vs UTMA comparison by goal. action=rules: current verified rules by topic, flagging commonly-misreported points and proposed-regs-pending status (hearing 2026-07-16).",
        "operationId": "wealthTrumpAccount",
        "security": [
          {
            "x402": []
          }
        ],
        "parameters": [
          {
            "name": "action",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "enum": [
                "eligibility",
                "strategy",
                "rules"
              ],
              "default": "rules"
            },
            "description": "Which analysis to run. Defaults to rules."
          },
          {
            "name": "birth_year",
            "in": "query",
            "required": false,
            "schema": {
              "type": "integer"
            },
            "description": "Required for action=eligibility unless birth_date is given. The child's birth year."
          },
          {
            "name": "birth_date",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "format": "date"
            },
            "description": "Alternative to birth_year for action=eligibility (e.g. 2026-03-15)"
          },
          {
            "name": "has_ssn",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "enum": ["yes", "no"]
            },
            "description": "For action=eligibility: does the child have a Social Security Number"
          },
          {
            "name": "ssn_work_valid",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "enum": ["yes", "no"]
            },
            "description": "For action=eligibility: is that SSN valid for employment, issued before election"
          },
          {
            "name": "us_citizen",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "enum": ["yes", "no"]
            },
            "description": "For action=eligibility: is the child a US citizen. Required for the $1,000 pilot only — NOT required for the account itself."
          },
          {
            "name": "prior_election",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "enum": ["yes", "no"]
            },
            "description": "For action=eligibility: has an account already been elected for this child"
          },
          {
            "name": "goal",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "enum": ["education", "general", "retirement"],
              "default": "general"
            },
            "description": "For action=strategy: the savings goal for this child"
          },
          {
            "name": "child_age",
            "in": "query",
            "required": false,
            "schema": {
              "type": "integer"
            },
            "description": "For action=strategy: the child's current age"
          },
          {
            "name": "employer_program",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "enum": ["yes", "no"]
            },
            "description": "For action=strategy: does an employer offer a Trump Account matching program"
          },
          {
            "name": "budget_yearly",
            "in": "query",
            "required": false,
            "schema": {
              "type": "number"
            },
            "description": "For action=strategy: how much can be contributed per year, in USD"
          },
          {
            "name": "topic",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "enum": ["contributions", "investments", "distributions", "tax", "enrollment"]
            },
            "description": "For action=rules (optional): focus the rules answer on this topic"
          },
          {
            "name": "lang",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          }
        ],
        "responses": {
          "200": {
            "description": "Trump Account eligibility verdict, strategy comparison, or rules reference"
          },
          "400": {
            "description": "Missing required parameter (birth_year/birth_date) for action=eligibility"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.15,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/wealth/bank-health": {
      "get": {
        "summary": "Is my bank safe? FDIC Call Report bank-health check",
        "description": "Bank-safety check computed directly from official FDIC quarterly Call Report data (banks.data.fdic.gov): capital adequacy (Tier 1 leverage, CET1, Tier 1 and Total risk-based ratios vs. FDIC Prompt Corrective Action thresholds, 12 CFR 324.403), earnings (ROA, ROE, net interest margin), asset quality (noncurrent loans, loan-loss reserve coverage), commercial real estate asset-quality ratios, year-over-year deposit growth, and estimated uninsured-deposit share — plus an 8-quarter trend. All ratios are computed deterministically in code, not by the model; the response includes the exact FDIC report date (data_as_of) and cites which figures are FDIC's own published ratios vs. computed here from raw dollar fields.",
        "operationId": "wealthBankHealth",
        "security": [
          {
            "x402": []
          }
        ],
        "parameters": [
          {
            "name": "bank",
            "in": "query",
            "required": true,
            "schema": {
              "type": "string"
            },
            "description": "Bank name or FDIC certificate (CERT) number"
          },
          {
            "name": "state",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            },
            "description": "2-letter US state code, disambiguates a common bank name"
          },
          {
            "name": "lang",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          }
        ],
        "responses": {
          "200": {
            "description": "Bank health computed ratios, 8-quarter trend, and plain-language read"
          },
          "400": {
            "description": "Missing required parameter (bank)"
          },
          "404": {
            "description": "No FDIC-insured institution matched the given name/state (suggestions included)"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.25,
        "x-agent-use-case": "on-demand"
      }
    }
  }
}