WealthPulse API

Endpoints (19 live)

• GET /api/wealth/cards — Returns wealth card data for displaying financial profiles and summaries. (0.1 USDC on Solana)
• GET /api/wealth/emergency — Returns emergency wealth insights for a quick financial safety check. (0.1 USDC on Solana)
• GET /api/wealth/mortgage — Estimates mortgage impacts on wealth and affordability. (0.1 USDC on Base)
• 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 USDC on Base)
• 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 USDC on Base)
• 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 USDC on Solana)
• 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. (0.1 USDC on Base)
• 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. (0.1 USDC on Solana)
• GET /api/wealth/card-benefit-preview — Card-benefit PREVIEW: scans one card across all 5 protections (extended warranty, purchase protection, trip delay, cell phone, return protection) — which likely apply, which are ineligible right now, which the card simply does not carry — from the same issuer-verified registry the $2 claim pack uses. No LLM. Points to the full check and pack for exact numbers. (0.25 USDC on Base)
• 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 USDC on Solana)
• 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 USDC on Base)
• 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. (0.5 USDC on Solana)
• 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. (0.1 USDC on Base)
• 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. (0.1 USDC on Base)
• 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 USDC on Base)
• 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 USDC on Base)
• 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 USDC on Base)
• 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 USDC on Base)
• 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 USDC on Base)