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WealthPulse

PulseNetworkby PulseNetwork · Intelligence APIs, Data, AI Agents

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.

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Price per request
$0.02
About

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. Part of PulseNetwork, operated by The Aslan Group LLC. Apiosk indexes this federated listing and adds ref=apiosk for attribution; calls and x402 payments go directly to PulseNetwork.

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Apiosk lists this API but does not proxy it. Call the provider's URL directly and pay them over x402 — Apiosk never sits between you and the response.

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ResourceDescription
https://wealthpulse.theaslangroupllc.com/api/wealth/snapshot?ref=apiosk How healthy are my finances right now, and what should I fix first? Financial-health snapshot with a plain-English assessment, estimated net worth, savings rate, debt-to-income, and emergency-fund months, plus the highest-leverage next actions ranked by effort vs. impact. For personal-finance and wealth agents. Open
https://wealthpulse.theaslangroupllc.com/api/wealth/retire?ref=apiosk Will I have enough to retire, and what do I need to change? Retirement-readiness projection with projected nest egg vs. the income gap, an on-track assessment, 2026 contribution limits, and a ranked action plan by age, income, and target retirement age. For wealth and retirement-planning agents. Open
https://wealthpulse.theaslangroupllc.com/api/wealth/debt?ref=apiosk Avalanche or snowball — which pays off my debt faster and cheaper? Debt payoff planner comparing both strategies with total interest cost and months to payoff, plus a consolidation check across your debts. For personal-finance and wealth agents. Open
https://wealthpulse.theaslangroupllc.com/api/wealth/cards?ref=apiosk Which credit card is actually worth it for my spending? Rewards card finder that ranks cards by net annual value after fees — factoring rewards rate and signup bonuses for your spend profile (travel, dining, groceries, gas, cashback). For personal-finance and wealth agents. Open
https://wealthpulse.theaslangroupllc.com/api/wealth/mortgage?ref=apiosk How much house can I actually afford? Home-affordability calculator with max purchase price by front-end and back-end DTI, income, debt, and down payment, current 30yr rate context, and a buy-vs-wait call. For personal-finance and real-estate agents. Open
https://wealthpulse.theaslangroupllc.com/api/wealth/debt-negotiate?ref=apiosk Can I settle this debt for less than I owe, and how do I negotiate it myself? DIY debt-negotiation protocol with FDCPA consumer rights, creditor call scripts, estimated settlement percentages, and statute-of-limitations by debt type. For personal-finance and debt-help agents. Open
https://wealthpulse.theaslangroupllc.com/api/wealth/advisor?ref=apiosk Where do I find a fee-only fiduciary financial advisor? Advisor finder via NAPFA, XY Planning Network, and CFP Board directories, matched by specialty and location — returns the advisor type to seek, typical fee structures, and vetting questions to ask. For wealth and personal-finance agents. Open
https://wealthpulse.theaslangroupllc.com/api/wealth/ssa?ref=apiosk 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 tax implications. For retirement and wealth agents. Open
https://wealthpulse.theaslangroupllc.com/api/wealth/tax?ref=apiosk What tax moves should I make before December 31? Year-end tax-optimization plan with ranked, deadline-specific moves — Roth conversions, tax-loss harvesting, contribution limits, and charitable strategies — by income, filing status, and state. For wealth and tax agents. Open
https://wealthpulse.theaslangroupllc.com/api/wealth/roth?ref=apiosk Should I contribute to a Roth or Traditional IRA/401(k)? Decision calculator with an income-limit eligibility check, backdoor and mega-backdoor Roth eligibility, and the contribution tax math, by income, age, and filing status. For wealth and retirement agents. Open
https://wealthpulse.theaslangroupllc.com/api/wealth/emergency?ref=apiosk How big should my emergency fund be, and how do I build it? Emergency-fund calculator sizing the target by income, expenses, dependents, and job stability, plus a funding plan and current high-yield savings (HYSA) rates. For personal-finance and wealth agents. Open
https://wealthpulse.theaslangroupllc.com/api/wealth/inheritance?ref=apiosk I inherited an IRA — what are the rules and how do I minimize taxes? SECURE Act 2.0 ten-year rule, RMD requirements, spousal options, step-up in basis, and a tax-minimizing distribution strategy by relationship and account type. For wealth and estate agents. Open
https://wealthpulse.theaslangroupllc.com/api/wealth/trump-account?ref=apiosk Is my child eligible for the $1,000 Trump Account pilot? Trump Account vs 529? Contribution limits, rules & enrollment — verified against IRC §530A, IRS Notice 2025-68 & Rev. Proc. 2026-25. For financial-planning and tax agents. Open
https://wealthpulse.theaslangroupllc.com/api/wealth/bank-health?ref=apiosk Is my bank safe? FDIC Call Report bank-health check computed from the latest and year-ago quarterly financials — capital adequacy (leverage, CET1, Tier 1 and Total risk-based ratios vs. FDIC Prompt Corrective Action thresholds), earnings (ROA/ROE/NIM), asset quality (noncurrent loans, reserve coverage), deposit growth, and uninsured-deposit share, with a plain-language read. For personal-finance and wealth agents. Open
https://wealthpulse.theaslangroupllc.com/api/wealth/bank-check?ref=apiosk FDIC bank-health check, deterministic. Answers "is my bank safe", "is this bank well capitalized", "did this bank fail". Resolves a US bank by name or FDIC cert, then computes from quarterly Call Reports: PCA capital category (12 CFR 324.403), ROA/ROE/NIM, noncurrent-loan and reserve-coverage ratios, YoY deposit growth, uninsured-deposit share, 8-quarter trend. Includes closed/failed institutions with charter-end date. No LLM, no key, public domain. Open
https://wealthpulse.theaslangroupllc.com/api/wealth/unclaimed?ref=apiosk Find money you are owed but never claimed. Deterministic router across US state unclaimed-property programs (NAUPA/MissingMoney), federal sources matched to your situation (PBGC pensions, FDIC/NCUA failed institutions, HUD/FHA refunds), and international registers (Canada, UK, Switzerland, Australia): the exact official FREE portals to search, the claim-documentation package, and honest coverage. No LLM — a routing machine, not a scraper. Open
https://wealthpulse.theaslangroupllc.com/api/wealth/card-benefit?ref=apiosk Credit-card benefit coverage check — extended warranty, purchase protection, trip delay, cell phone, return protection — against ISSUER-verified published benefit guides (Chase, Amex, Capital One, Citi, HSBC, Amex UK, RBC CA + negative facts for Discover/gutted cards). Caps, deductibles, eligibility windows, and the filing deadlines that kill late claims, computed. No LLM. Open
https://wealthpulse.theaslangroupllc.com/api/wealth/card-benefit-pack?ref=apiosk Card-benefit CLAIM PACK: issuer-verified coverage check plus the complete filing kit — administrator steps, citation-locked cover note, evidence checklist, denial counters, deadline calendar. Honest-no: no pack sold on expired notify windows, uncovered cards, or unmet conditions. Open
Technical Specs
Auth MethodNone (x402 payment proof only)
Response FormatJSON
Endpoints18
Endpoints
MethodPathDescriptionCost
GET /api/wealth/advisor Where do I find a fee-only fiduciary financial advisor? Advisor finder via NAPFA, XY Planning Network, and CFP Board directories, matched by specialty and location — returns the advisor type to seek, typical fee structures, and vetting questions to ask. For wealth and personal-finance agents.
$0.10 default
View details
GET /api/wealth/bank-check FDIC bank-health check, deterministic. Answers "is my bank safe", "is this bank well capitalized", "did this bank fail". Resolves a US bank by name or FDIC cert, then computes from quarterly Call Reports: PCA capital category (12 CFR 324.403), ROA/ROE/NIM, noncurrent-loan and reserve-coverage ratios, YoY deposit growth, uninsured-deposit share, 8-quarter trend. Includes closed/failed institutions with charter-end date. No LLM, no key, public domain.
$0.02 default
View details
GET /api/wealth/bank-health Is my bank safe? FDIC Call Report bank-health check computed from the latest and year-ago quarterly financials — capital adequacy (leverage, CET1, Tier 1 and Total risk-based ratios vs. FDIC Prompt Corrective Action thresholds), earnings (ROA/ROE/NIM), asset quality (noncurrent loans, reserve coverage), deposit growth, and uninsured-deposit share, with a plain-language read. For personal-finance and wealth agents.
$0.25 default
View details
GET /api/wealth/card-benefit Credit-card benefit coverage check — extended warranty, purchase protection, trip delay, cell phone, return protection — against ISSUER-verified published benefit guides (Chase, Amex, Capital One, Citi, HSBC, Amex UK, RBC CA + negative facts for Discover/gutted cards). Caps, deductibles, eligibility windows, and the filing deadlines that kill late claims, computed. No LLM.
$0.05 default
View details
GET /api/wealth/card-benefit-pack Card-benefit CLAIM PACK: issuer-verified coverage check plus the complete filing kit — administrator steps, citation-locked cover note, evidence checklist, denial counters, deadline calendar. Honest-no: no pack sold on expired notify windows, uncovered cards, or unmet conditions.
$2.00 default
View details
GET /api/wealth/cards Which credit card is actually worth it for my spending? Rewards card finder that ranks cards by net annual value after fees — factoring rewards rate and signup bonuses for your spend profile (travel, dining, groceries, gas, cashback). For personal-finance and wealth agents.
$0.10 default
View details
GET /api/wealth/debt Avalanche or snowball — which pays off my debt faster and cheaper? Debt payoff planner comparing both strategies with total interest cost and months to payoff, plus a consolidation check across your debts. For personal-finance and wealth agents.
$0.10 default
View details
GET /api/wealth/debt-negotiate Can I settle this debt for less than I owe, and how do I negotiate it myself? DIY debt-negotiation protocol with FDCPA consumer rights, creditor call scripts, estimated settlement percentages, and statute-of-limitations by debt type. For personal-finance and debt-help agents.
$0.15 default
View details
GET /api/wealth/emergency How big should my emergency fund be, and how do I build it? Emergency-fund calculator sizing the target by income, expenses, dependents, and job stability, plus a funding plan and current high-yield savings (HYSA) rates. For personal-finance and wealth agents.
$0.10 default
View details
GET /api/wealth/inheritance I inherited an IRA — what are the rules and how do I minimize taxes? SECURE Act 2.0 ten-year rule, RMD requirements, spousal options, step-up in basis, and a tax-minimizing distribution strategy by relationship and account type. For wealth and estate agents.
$0.10 default
View details
GET /api/wealth/mortgage How much house can I actually afford? Home-affordability calculator with max purchase price by front-end and back-end DTI, income, debt, and down payment, current 30yr rate context, and a buy-vs-wait call. For personal-finance and real-estate agents.
$0.10 default
View details
GET /api/wealth/retire Will I have enough to retire, and what do I need to change? Retirement-readiness projection with projected nest egg vs. the income gap, an on-track assessment, 2026 contribution limits, and a ranked action plan by age, income, and target retirement age. For wealth and retirement-planning agents.
$0.15 default
View details
GET /api/wealth/roth Should I contribute to a Roth or Traditional IRA/401(k)? Decision calculator with an income-limit eligibility check, backdoor and mega-backdoor Roth eligibility, and the contribution tax math, by income, age, and filing status. For wealth and retirement agents.
$0.10 default
View details
GET /api/wealth/snapshot How healthy are my finances right now, and what should I fix first? Financial-health snapshot with a plain-English assessment, estimated net worth, savings rate, debt-to-income, and emergency-fund months, plus the highest-leverage next actions ranked by effort vs. impact. For personal-finance and wealth agents.
$0.15 default
View details
GET /api/wealth/ssa 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 tax implications. For retirement and wealth agents.
$0.15 default
View details
GET /api/wealth/tax What tax moves should I make before December 31? Year-end tax-optimization plan with ranked, deadline-specific moves — Roth conversions, tax-loss harvesting, contribution limits, and charitable strategies — by income, filing status, and state. For wealth and tax agents.
$0.15 default
View details
GET /api/wealth/trump-account Is my child eligible for the $1,000 Trump Account pilot? Trump Account vs 529? Contribution limits, rules & enrollment — verified against IRC §530A, IRS Notice 2025-68 & Rev. Proc. 2026-25. For financial-planning and tax agents.
$0.15 default
View details
GET /api/wealth/unclaimed Find money you are owed but never claimed. Deterministic router across US state unclaimed-property programs (NAUPA/MissingMoney), federal sources matched to your situation (PBGC pensions, FDIC/NCUA failed institutions, HUD/FHA refunds), and international registers (Canada, UK, Switzerland, Australia): the exact official FREE portals to search, the claim-documentation package, and honest coverage. No LLM — a routing machine, not a scraper.
$0.50 default
View details
Endpoint documentation
GET/api/wealth/advisor
$0.10 default
Description

Where do I find a fee-only fiduciary financial advisor? Advisor finder via NAPFA, XY Planning Network, and CFP Board directories, matched by specialty and location — returns the advisor type to seek, typical fee structures, and vetting questions to ask. For wealth and personal-finance agents.

Documentation

Financial advisor finder, comparison, and background check

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).

**Price:** $0.1 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.10 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "action": {
      "description": "Required. One of: find, compare, vet.",
      "enum": [
        "find",
        "compare",
        "vet"
      ],
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "advisors": {
      "description": "Required for action=compare (e.g. \"Advisor A 1% AUM, Advisor B flat fee\")",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "firm": {
      "description": "Optional firm name; used alongside name for action=vet",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "lang": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "location": {
      "description": "Optional; sharpens action=find directory results (e.g. Denver, CO)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "name": {
      "description": "Required for action=vet (advisor name)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "situation": {
      "description": "Optional free-text context about your situation",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "specialty": {
      "description": "Required for action=find (e.g. retirement planning, tax, estate, investment)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "action"
  ],
  "type": "object"
}
GET/api/wealth/bank-check
$0.02 default
Description

FDIC bank-health check, deterministic. Answers "is my bank safe", "is this bank well capitalized", "did this bank fail". Resolves a US bank by name or FDIC cert, then computes from quarterly Call Reports: PCA capital category (12 CFR 324.403), ROA/ROE/NIM, noncurrent-loan and reserve-coverage ratios, YoY deposit growth, uninsured-deposit share, 8-quarter trend. Includes closed/failed institutions with charter-end date. No LLM, no key, public domain.

Documentation

FDIC bank-health check — deterministic Call Report primitive

The raw deterministic component behind bank-health, at the component price: resolves a US bank by name or FDIC certificate number, then computes from FDIC quarterly Call Reports (banks.data.fdic.gov) the PCA capital category (Tier 1 leverage, CET1, Tier 1 and Total risk-based ratios vs. 12 CFR 324.403 thresholds), ROA/ROE/net interest margin, noncurrent-loan and loan-loss-reserve-coverage ratios, CRE asset-quality ratios, year-over-year deposit growth, estimated uninsured-deposit share, and an 8-quarter trend. Closed/failed institutions are included with their charter-end date. No LLM, no key, public domain. The $0.25 /api/wealth/bank-health adds a plain-language multilingual read on top of these exact figures.

**Price:** $0.02 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.02 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "bank": {
      "description": "Bank name or FDIC certificate (CERT) number",
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "state": {
      "description": "2-letter US state code, disambiguates a common bank name",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "bank"
  ],
  "type": "object"
}
GET/api/wealth/bank-health
$0.25 default
Description

Is my bank safe? FDIC Call Report bank-health check computed from the latest and year-ago quarterly financials — capital adequacy (leverage, CET1, Tier 1 and Total risk-based ratios vs. FDIC Prompt Corrective Action thresholds), earnings (ROA/ROE/NIM), asset quality (noncurrent loans, reserve coverage), deposit growth, and uninsured-deposit share, with a plain-language read. For personal-finance and wealth agents.

Documentation

Is my bank safe? FDIC Call Report bank-health check

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.

**Price:** $0.25 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.25 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "bank": {
      "description": "Bank name or FDIC certificate (CERT) number",
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "lang": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "state": {
      "description": "2-letter US state code, disambiguates a common bank name",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "bank"
  ],
  "type": "object"
}
GET/api/wealth/card-benefit
$0.05 default
Description

Credit-card benefit coverage check — extended warranty, purchase protection, trip delay, cell phone, return protection — against ISSUER-verified published benefit guides (Chase, Amex, Capital One, Citi, HSBC, Amex UK, RBC CA + negative facts for Discover/gutted cards). Caps, deductibles, eligibility windows, and the filing deadlines that kill late claims, computed. No LLM.

Documentation

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). No LLM. $0.10.

**Price:** $0.05 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.05 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "benefit": {
      "description": "Benefit to check",
      "enum": [
        "extended_warranty",
        "purchase_protection",
        "trip_delay",
        "cell_phone",
        "return_protection"
      ],
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "card": {
      "description": "Card slug (sapphire-reserve, platinum, venture-x, ...)",
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "delay_hours": {
      "description": "Trip delay: hours delayed (triggers are 6h or 12h by card tier)",
      "required": false,
      "type": "number",
      "x-parameter-location": "query"
    },
    "incident_date": {
      "description": "Damage/theft/delay date YYYY-MM-DD — filing deadlines computed from this",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "issuer": {
      "description": "Card issuer slug (chase, amex, capital-one, citi, hsbc, discover, amex-uk, rbc)",
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "item_price": {
      "description": "Item price — recoverable estimate = min(price, cap) - deductible",
      "required": false,
      "type": "number",
      "x-parameter-location": "query"
    },
    "phone_paid_on_card": {
      "description": "Cell phone: was the prior month's wireless bill paid on this card",
      "required": false,
      "type": "boolean",
      "x-parameter-location": "query"
    },
    "purchase_date": {
      "description": "Item/ticket purchase date YYYY-MM-DD (eligibility windows + warranty math)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "warranty_years": {
      "description": "Extended warranty: original manufacturer warranty length",
      "required": false,
      "type": "number",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "issuer",
    "card",
    "benefit"
  ],
  "type": "object"
}
GET/api/wealth/card-benefit-pack
$2.00 default
Description

Card-benefit CLAIM PACK: issuer-verified coverage check plus the complete filing kit — administrator steps, citation-locked cover note, evidence checklist, denial counters, deadline calendar. Honest-no: no pack sold on expired notify windows, uncovered cards, or unmet conditions.

Documentation

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.

**Price:** $2 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$2.00 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "benefit": {
      "description": "Benefit to check",
      "enum": [
        "extended_warranty",
        "purchase_protection",
        "trip_delay",
        "cell_phone",
        "return_protection"
      ],
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "card": {
      "description": "Card slug (sapphire-reserve, platinum, venture-x, ...)",
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "cardholder_name": {
      "description": "Name for the cover note (placeholder if omitted)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "delay_hours": {
      "description": "Trip delay: hours delayed (triggers are 6h or 12h by card tier)",
      "required": false,
      "type": "number",
      "x-parameter-location": "query"
    },
    "incident_date": {
      "description": "Damage/theft/delay date YYYY-MM-DD — filing deadlines computed from this",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "issuer": {
      "description": "Card issuer slug (chase, amex, capital-one, citi, hsbc, discover, amex-uk, rbc)",
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "item_description": {
      "description": "What the item/trip is (cover note)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "item_price": {
      "description": "Item price — recoverable estimate = min(price, cap) - deductible",
      "required": false,
      "type": "number",
      "x-parameter-location": "query"
    },
    "lang": {
      "description": "Pack language (default English)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "phone_paid_on_card": {
      "description": "Cell phone: was the prior month's wireless bill paid on this card",
      "required": false,
      "type": "boolean",
      "x-parameter-location": "query"
    },
    "purchase_date": {
      "description": "Item/ticket purchase date YYYY-MM-DD (eligibility windows + warranty math)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "warranty_years": {
      "description": "Extended warranty: original manufacturer warranty length",
      "required": false,
      "type": "number",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "issuer",
    "card",
    "benefit"
  ],
  "type": "object"
}
GET/api/wealth/cards
$0.10 default
Description

Which credit card is actually worth it for my spending? Rewards card finder that ranks cards by net annual value after fees — factoring rewards rate and signup bonuses for your spend profile (travel, dining, groceries, gas, cashback). For personal-finance and wealth agents.

Documentation

Best credit card for your spending profile

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.

**Price:** $0.1 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.10 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "credit_score": {
      "description": "Approximate credit tier",
      "enum": [
        "good",
        "very_good",
        "excellent"
      ],
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "lang": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "monthly": {
      "default": 3000,
      "description": "Monthly spend in USD (default: 3000)",
      "required": false,
      "type": "number",
      "x-parameter-location": "query"
    },
    "spend_profile": {
      "description": "Required. Free text, e.g. travel, dining, groceries, gas, cashback.",
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "spend_profile"
  ],
  "type": "object"
}
GET/api/wealth/debt
$0.10 default
Description

Avalanche or snowball — which pays off my debt faster and cheaper? Debt payoff planner comparing both strategies with total interest cost and months to payoff, plus a consolidation check across your debts. For personal-finance and wealth agents.

Documentation

Avalanche vs snowball debt payoff strategy

Avalanche or snowball — 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.

**Price:** $0.1 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.10 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "debts": {
      "description": "name:balance:rate format, comma-separated (e.g. credit-card:8500:24,car-loan:12000:6.5)",
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "extra": {
      "description": "Extra monthly payment available in USD (optional)",
      "required": false,
      "type": "number",
      "x-parameter-location": "query"
    },
    "lang": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "debts"
  ],
  "type": "object"
}
GET/api/wealth/debt-negotiate
$0.15 default
Description

Can I settle this debt for less than I owe, and how do I negotiate it myself? DIY debt-negotiation protocol with FDCPA consumer rights, creditor call scripts, estimated settlement percentages, and statute-of-limitations by debt type. For personal-finance and debt-help agents.

Documentation

Can I settle this debt for less

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.

**Price:** $0.15 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.15 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "balance": {
      "description": "Balance owed in USD",
      "required": false,
      "type": "number",
      "x-parameter-location": "query"
    },
    "creditor": {
      "description": "The collector or original creditor name",
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "lang": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "state": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "type": {
      "description": "credit_card | medical | personal | auto | student",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "creditor"
  ],
  "type": "object"
}
GET/api/wealth/emergency
$0.10 default
Description

How big should my emergency fund be, and how do I build it? Emergency-fund calculator sizing the target by income, expenses, dependents, and job stability, plus a funding plan and current high-yield savings (HYSA) rates. For personal-finance and wealth agents.

Documentation

Emergency fund sizing

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.

**Price:** $0.1 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.10 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "current_fund": {
      "description": "Existing emergency fund in USD",
      "required": false,
      "type": "number",
      "x-parameter-location": "query"
    },
    "dependents": {
      "description": "Number of dependents",
      "required": false,
      "type": "integer",
      "x-parameter-location": "query"
    },
    "expenses": {
      "description": "Monthly expenses in USD",
      "required": false,
      "type": "number",
      "x-parameter-location": "query"
    },
    "income": {
      "description": "Annual income in USD",
      "required": true,
      "type": "number",
      "x-parameter-location": "query"
    },
    "job_type": {
      "default": "stable",
      "enum": [
        "stable",
        "variable",
        "entrepreneur"
      ],
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "lang": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "income"
  ],
  "type": "object"
}
GET/api/wealth/inheritance
$0.10 default
Description

I inherited an IRA — what are the rules and how do I minimize taxes? SECURE Act 2.0 ten-year rule, RMD requirements, spousal options, step-up in basis, and a tax-minimizing distribution strategy by relationship and account type. For wealth and estate agents.

Documentation

Inherited IRA and estate rules

I inherited an IRA — 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.

**Price:** $0.1 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.10 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "account_type": {
      "default": "traditional",
      "enum": [
        "traditional",
        "roth"
      ],
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "balance": {
      "description": "Inherited account balance in USD",
      "required": false,
      "type": "number",
      "x-parameter-location": "query"
    },
    "lang": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "original_owner_age": {
      "description": "Original owner's age at time of death",
      "required": false,
      "type": "integer",
      "x-parameter-location": "query"
    },
    "relationship": {
      "enum": [
        "spouse",
        "non-spouse",
        "minor-child",
        "disabled",
        "chronically-ill",
        "not-more-than-10-years-younger",
        "trust",
        "charity"
      ],
      "required": true,
      "type": "string",
      "x-parameter-location": "query"
    },
    "your_age": {
      "description": "Your current age",
      "required": false,
      "type": "integer",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "relationship"
  ],
  "type": "object"
}
GET/api/wealth/mortgage
$0.10 default
Description

How much house can I actually afford? Home-affordability calculator with max purchase price by front-end and back-end DTI, income, debt, and down payment, current 30yr rate context, and a buy-vs-wait call. For personal-finance and real-estate agents.

Documentation

How much house can I afford

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.

**Price:** $0.1 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.10 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "debt": {
      "description": "Existing monthly debt payments in USD",
      "required": false,
      "type": "number",
      "x-parameter-location": "query"
    },
    "down": {
      "description": "Down payment in USD",
      "required": true,
      "type": "number",
      "x-parameter-location": "query"
    },
    "income": {
      "description": "Annual gross income in USD",
      "required": true,
      "type": "number",
      "x-parameter-location": "query"
    },
    "lang": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "location": {
      "default": "US",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "income",
    "down"
  ],
  "type": "object"
}
GET/api/wealth/retire
$0.15 default
Description

Will I have enough to retire, and what do I need to change? Retirement-readiness projection with projected nest egg vs. the income gap, an on-track assessment, 2026 contribution limits, and a ranked action plan by age, income, and target retirement age. For wealth and retirement-planning agents.

Documentation

Retirement readiness projection

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).

**Price:** $0.15 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.15 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "age": {
      "description": "Your current age",
      "required": true,
      "type": "integer",
      "x-parameter-location": "query"
    },
    "income": {
      "description": "Annual income in USD",
      "required": true,
      "type": "number",
      "x-parameter-location": "query"
    },
    "lang": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "retire_at": {
      "default": 65,
      "required": false,
      "type": "integer",
      "x-parameter-location": "query"
    },
    "savings": {
      "description": "Current retirement savings in USD",
      "required": false,
      "type": "number",
      "x-parameter-location": "query"
    },
    "target_income": {
      "required": false,
      "type": "number",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "age",
    "income"
  ],
  "type": "object"
}
GET/api/wealth/roth
$0.10 default
Description

Should I contribute to a Roth or Traditional IRA/401(k)? Decision calculator with an income-limit eligibility check, backdoor and mega-backdoor Roth eligibility, and the contribution tax math, by income, age, and filing status. For wealth and retirement agents.

Documentation

Roth vs Traditional IRA/401k decision

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.

**Price:** $0.1 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.10 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "age": {
      "description": "Your current age",
      "required": true,
      "type": "integer",
      "x-parameter-location": "query"
    },
    "employer_match": {
      "description": "Whether your employer offers a 401k match (yes/no)",
      "enum": [
        "yes",
        "no"
      ],
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "filing_status": {
      "default": "single",
      "enum": [
        "single",
        "married_filing_jointly"
      ],
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "income": {
      "description": "Annual gross income in USD",
      "required": true,
      "type": "number",
      "x-parameter-location": "query"
    },
    "lang": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "state": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "income",
    "age"
  ],
  "type": "object"
}
GET/api/wealth/snapshot
$0.15 default
Description

How healthy are my finances right now, and what should I fix first? Financial-health snapshot with a plain-English assessment, estimated net worth, savings rate, debt-to-income, and emergency-fund months, plus the highest-leverage next actions ranked by effort vs. impact. For personal-finance and wealth agents.

Documentation

Financial health snapshot

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.

**Price:** $0.15 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.15 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "age": {
      "required": true,
      "type": "integer",
      "x-parameter-location": "query"
    },
    "debt": {
      "description": "Total non-mortgage debt in USD",
      "required": false,
      "type": "number",
      "x-parameter-location": "query"
    },
    "expenses": {
      "description": "Monthly expenses in USD",
      "required": false,
      "type": "number",
      "x-parameter-location": "query"
    },
    "income": {
      "description": "Annual income in USD",
      "required": true,
      "type": "number",
      "x-parameter-location": "query"
    },
    "lang": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "savings": {
      "description": "Total savings/investments in USD",
      "required": false,
      "type": "number",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "age",
    "income"
  ],
  "type": "object"
}
GET/api/wealth/ssa
$0.15 default
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 tax implications. For retirement and wealth agents.

Documentation

Social Security claiming strategy

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.

**Price:** $0.15 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.15 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "birth_year": {
      "description": "Year of birth (used to calculate Full Retirement Age)",
      "required": true,
      "type": "integer",
      "x-parameter-location": "query"
    },
    "health": {
      "enum": [
        "good",
        "fair",
        "poor"
      ],
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "income": {
      "description": "Annual earnings (for benefit estimate context)",
      "required": false,
      "type": "number",
      "x-parameter-location": "query"
    },
    "lang": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "marital_status": {
      "default": "single",
      "enum": [
        "single",
        "married",
        "divorced",
        "widowed"
      ],
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "birth_year"
  ],
  "type": "object"
}
GET/api/wealth/tax
$0.15 default
Description

What tax moves should I make before December 31? Year-end tax-optimization plan with ranked, deadline-specific moves — Roth conversions, tax-loss harvesting, contribution limits, and charitable strategies — by income, filing status, and state. For wealth and tax agents.

Documentation

Year-end tax optimization

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.

**Price:** $0.15 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.15 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "filing_status": {
      "default": "single",
      "enum": [
        "single",
        "married_filing_jointly",
        "married_filing_separately",
        "head_of_household"
      ],
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "income": {
      "description": "Annual gross income in USD",
      "required": true,
      "type": "number",
      "x-parameter-location": "query"
    },
    "lang": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "situation": {
      "description": "Comma-separated: RSU_vesting,home_sale,bonus,capital_gains,inherited_assets",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "state": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [
    "income"
  ],
  "type": "object"
}
GET/api/wealth/trump-account
$0.15 default
Description

Is my child eligible for the $1,000 Trump Account pilot? Trump Account vs 529? Contribution limits, rules & enrollment — verified against IRC §530A, IRS Notice 2025-68 & Rev. Proc. 2026-25. For financial-planning and tax agents.

Documentation

Trump Account (IRC §530A) eligibility, strategy, and rules

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).

**Price:** $0.15 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.15 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "action": {
      "default": "rules",
      "description": "Which analysis to run. Defaults to rules.",
      "enum": [
        "eligibility",
        "strategy",
        "rules"
      ],
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "birth_date": {
      "description": "Alternative to birth_year for action=eligibility (e.g. 2026-03-15)",
      "format": "date",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "birth_year": {
      "description": "Required for action=eligibility unless birth_date is given. The child's birth year.",
      "required": false,
      "type": "integer",
      "x-parameter-location": "query"
    },
    "budget_yearly": {
      "description": "For action=strategy: how much can be contributed per year, in USD",
      "required": false,
      "type": "number",
      "x-parameter-location": "query"
    },
    "child_age": {
      "description": "For action=strategy: the child's current age",
      "required": false,
      "type": "integer",
      "x-parameter-location": "query"
    },
    "employer_program": {
      "description": "For action=strategy: does an employer offer a Trump Account matching program",
      "enum": [
        "yes",
        "no"
      ],
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "goal": {
      "default": "general",
      "description": "For action=strategy: the savings goal for this child",
      "enum": [
        "education",
        "general",
        "retirement"
      ],
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "has_ssn": {
      "description": "For action=eligibility: does the child have a Social Security Number",
      "enum": [
        "yes",
        "no"
      ],
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "lang": {
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "prior_election": {
      "description": "For action=eligibility: has an account already been elected for this child",
      "enum": [
        "yes",
        "no"
      ],
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "ssn_work_valid": {
      "description": "For action=eligibility: is that SSN valid for employment, issued before election",
      "enum": [
        "yes",
        "no"
      ],
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "topic": {
      "description": "For action=rules (optional): focus the rules answer on this topic",
      "enum": [
        "contributions",
        "investments",
        "distributions",
        "tax",
        "enrollment"
      ],
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "us_citizen": {
      "description": "For action=eligibility: is the child a US citizen. Required for the $1,000 pilot only — NOT required for the account itself.",
      "enum": [
        "yes",
        "no"
      ],
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [],
  "type": "object"
}
GET/api/wealth/unclaimed
$0.50 default
Description

Find money you are owed but never claimed. Deterministic router across US state unclaimed-property programs (NAUPA/MissingMoney), federal sources matched to your situation (PBGC pensions, FDIC/NCUA failed institutions, HUD/FHA refunds), and international registers (Canada, UK, Switzerland, Australia): the exact official FREE portals to search, the claim-documentation package, and honest coverage. No LLM — a routing machine, not a scraper.

Documentation

Find unclaimed money owed to you

Deterministic router across US state unclaimed-property programs (NAUPA/MissingMoney), federal sources matched to your situation (PBGC pensions, FDIC/NCUA failed institutions, HUD/FHA refunds), and international registers (Canada, UK, Switzerland, Australia). Returns the exact official FREE portals to search in order, the claim-documentation package, and an honest coverage block distinguishing openly-searchable sources from route-only ones. No LLM — a routing machine, not a scraper; never queries automation-restricted sites.

**Price:** $0.5 USDC per call

Calls go directly to PulseNetwork. Paid routes use the live x402 challenge; Apiosk never rewrites payTo or settles the payment.

Pricing
$0.50 default
Authentication

No account or API key. Pay PulseNetwork directly using the live x402 challenge. The challenge is authoritative for price, network, asset and payTo.

Parameters
{
  "properties": {
    "countries": {
      "description": "Comma-separated non-US jurisdictions: CA (Canada), GB, CH, AU, AU-VIC, AU-NSW",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "name": {
      "description": "Optional — personalizes search instructions only; never transmitted or stored",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "situations": {
      "description": "Life events unlocking federal/special sources: former_pension | failed_bank | failed_credit_union | fha_mortgage | savings_bonds | deceased_relative | old_employer | moved_states | former_business",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    },
    "states": {
      "description": "Comma-separated US state codes you have lived/worked in (e.g. CA,TX,NY)",
      "required": false,
      "type": "string",
      "x-parameter-location": "query"
    }
  },
  "required": [],
  "type": "object"
}