x402 · USDC on Base · Live FRED rates · Any language
WealthPulse
Personal finance intelligence grounded in live Federal Reserve data. 12 endpoints.
Real Rates, Not Generic Advice
Every response is anchored to live FRED data — current mortgage rates, credit card APRs,
savings rates, and inflation. Retirement projections, mortgage affordability, and debt strategies
all reflect what rates actually are today, not textbook assumptions.
Financial Position
/api/wealth/snapshotHealth score · net worth · highest-leverage action plan$0.15
/api/wealth/retireRetirement readiness · gap analysis · global account support$0.15
/api/wealth/emergencyEmergency fund target · funding plan · live HYSA rates$0.10
Tax & Retirement Strategy
/api/wealth/ssaSocial Security claiming · FRA · breakeven math · spousal benefits$0.15
/api/wealth/taxYear-end tax moves · Roth conversions · tax-loss harvesting · deadlines$0.15
/api/wealth/rothRoth vs Traditional decision · backdoor Roth · mega backdoor Roth$0.10
/api/wealth/inheritanceInherited IRA · SECURE Act 2.0 · 10-year rule · step-up in basis$0.10
Debt & Credit
/api/wealth/debtAvalanche vs snowball · payoff timeline · consolidation check$0.10
/api/wealth/debt-negotiateDIY settlement protocol · FDCPA rights · creditor scripts$0.15
/api/wealth/cardsBest credit cards for any spend profile · net annual value$0.10
Home Buying
/api/wealth/mortgageAffordability · current rates · buy vs. wait recommendation$0.10
Financial Advisor Intelligence
/api/wealth/advisor?action=findFee-only fiduciary search via NAPFA · XYPN · CFP Board$0.10
/api/wealth/advisor?action=vetBrokerCheck · SEC IAPD · ADV Part 2 · fiduciary test$0.15
/api/wealth/advisor?action=compareSide-by-side comparison of 2–3 advisors with decisive recommendation$0.10