{
 "object": "rate_card",
 "property": "apis.finance",
 "currency": "USD",
 "pricing_law": "Price, flat, fixed at post",
 "meter_note": "There is no single meter promise on this card. There are four, one per product class, in meter_promises below; a surface prints exactly the ones its own SKUs release on. A single top-level \"meter\" scalar was retired on 2026-07-30: one scalar cannot be correct for a four-promise catalog, and the value it carried was a decision promise above a catalog whose every LIVE row releases on a served record. A row-level proof_predicate names the release condition that row's own fee line requires: the served record for a Telemetry Fee, and the produced record, the executed disbursement or the posting for a Product Fee. It is a condition on one row and never a fifth product-class promise, and a File Fee row carries no meter at all, because a Remittance is a payout rather than a release.",
 "meter_promises": [
  {
   "product_class": "data",
   "promise": "No record, no charge.",
   "releases_on": "The served record, returned and receipted. A not-found or unavailable result does not release it.",
   "note": "Every SKU currently LIVE on this property is a data product, so this is the promise this catalog releases on."
  },
  {
   "product_class": "decisioned",
   "promise": "No decision, no charge.",
   "releases_on": "The Decision artifact, with the adverse-action notice inside it.",
   "note": "A Declination IS a Decision, so this meter releases on declined files. No platform fee varies with the direction of a Decision, and no Origination Fee attaches to a Declination."
  },
  {
   "product_class": "secured",
   "promise": "No perfection, no charge.",
   "releases_on": "The recording office's own record of the filing (UCC-1 or title lien).",
   "note": null
  },
  {
   "product_class": "unsecured",
   "promise": "No funding, no charge.",
   "releases_on": "Money moved, with a settlement_ref on the event.",
   "note": null
  }
 ],
 "settlement": "x402, settled in USDC",
 "catalog": {
  "of_record": "This card. The served rate card is the catalog of record for price and status on this property.",
  "core_capabilities": 80,
  "rows_posted": 8,
  "live_and_priced": 1,
  "roadmap_published_here": 16,
  "lender_reserved_acts": 4,
  "note": "The skus array is the price list. Eight rows are posted on it. One, amortization math, is LIVE and keyless at POST https://apis.finance/v1/amortization: it answers over HTTP today, it is posted at $0, and GET on the same path returns its typed schema. One, floorplan collateral telemetry, is LIVE at a named desk pilot: one desk, operated by a person, not a callable route. The other six are ROADMAP, typed and not yet callable, and their posted prices are DRAFT until the owner ratifies them. The Status Stamp defines LIVE as \"it answers, it is priced, it is metered\", and the metered limb is satisfied vacuously by a $0 row: a posted zero is a price, fixed at post binds it, and there is nothing to settle, so the keyless row does not wait on https://apis.finance/.well-known/x402 while the six priced ROADMAP rows do. Anything unverified flips to ROADMAP with no other copy change. Prequal simulation was added 2026-08-01, taking the posted count from seven to eight. Amortization math flipped from ROADMAP to LIVE on 2026-08-02, when the route it names was implemented and the DRAFT price of $0.01 per calculation was retired in favour of a keyless zero.",
  "live_at_desk_pilot": 1,
  "live_keyless": 1,
  "roadmap_posted_here": 6
 },
 "gate_kinds": {
  "none": "Keyless, or key-only. No credential anywhere in the call.",
  "access": "A restricted upstream or rail the caller or the platform must hold live. A blocked call routes to credential intake.",
  "signer-L": "A licensed act (notarial, appraisal, loan-originator, escrow-holder, debt-collection). Software may never perform one; a credentialed person may, under a sponsoring entity's licence.",
  "signer-R": "A Lender-Reserved act. Never performed by software and never pooled to a person either. The Lender performs it, alone."
 },
 "columns": [
  "SKU",
  "What your agent gets",
  "Price, flat, fixed at post",
  "Status"
 ],
 "roadmap_columns": [
  "SKU",
  "What your agent gets",
  "Gate"
 ],
 "roadmap_constants": {
  "price": "Price posts with the SKU",
  "status": "ROADMAP",
  "callable": false,
  "note": "Every row in the roadmap array carries these three values and no other. The rendered register on the page states them once, above the sixteen rows they govern, and spends the reclaimed columns on the gate, which is the only column that differs row to row. Each row below still carries its own price, status and callable fields, because a machine reader parses rows and not a heading."
 },
 "skus": [
  {
   "sku": "Business credit / KYB",
   "gets": "Entity verification, registrations, lien and judgment flags, cash-flow signals on a Borrower",
   "price": "$3.00 per file pull · DRAFT",
   "status": "ROADMAP",
   "tier": "data · read",
   "gate_kind": "none",
   "fee_line": "Telemetry Fee",
   "merchant_of_record": "OpCo",
   "meter_grain": "per file pull",
   "proof_predicate": "no record, no charge",
   "releases_on": "The served entity file, returned and receipted.",
   "does_not_release_on": "An unavailable upstream, a malformed identifier, a retried failed call, or a subject the upstream cannot resolve at all.",
   "door": "apis.credit",
   "callable": false
  },
  {
   "sku": "UCC lien search",
   "gets": "Debtor search across state filing offices: lien positions, secured parties, filing images. State office fees pass through at cost",
   "price": "$4.00 per search · DRAFT",
   "status": "ROADMAP",
   "tier": "data · read",
   "gate_kind": "none",
   "fee_line": "Telemetry Fee, plus Pass-Through for the filing office's own fee at cost",
   "merchant_of_record": "OpCo on the Telemetry Fee; the filing office on the pass-through",
   "meter_grain": "per search",
   "proof_predicate": "no record, no charge",
   "releases_on": "The served search result for a named debtor in a named filing office, including a result set of zero, because a clear search inside a stated scope is a record.",
   "does_not_release_on": "An unreachable filing office, a state this platform cannot search, or an ambiguous debtor the caller must disambiguate first.",
   "door": "apis.credit",
   "callable": false
  },
  {
   "sku": "Payoff quotes",
   "gets": "Attested Payoff figure with per-diem and good-through date",
   "price": "$1.50 per quote · DRAFT",
   "status": "ROADMAP",
   "status_note": "quoted at the desk for floored Collateral under a Mandate, not callable, and consumer payoff is not live",
   "tier": "data · read",
   "gate_kind": "access",
   "gate_note": "Servicer of record must answer for the Facility.",
   "fee_line": "Telemetry Fee",
   "merchant_of_record": "OpCo",
   "meter_grain": "per quote",
   "proof_predicate": "no record, no charge",
   "releases_on": "The attested Payoff figure with its per-diem and its good-through date.",
   "does_not_release_on": "An expired good-through date re-served from cache, a Facility the Servicer of record will not answer for, or any consumer payoff, which is not live.",
   "door": "apis.finance",
   "callable": false
  },
  {
   "sku": "Amortization math",
   "gets": "Schedules, Curtailment recalculation, per-diem interest, Payoff projection",
   "price": "$0 · keyless",
   "status": "LIVE",
   "tier": "data · read",
   "gate_kind": "none",
   "fee_line": "Telemetry Fee",
   "merchant_of_record": "OpCo",
   "meter_grain": "per calculation",
   "proof_predicate": "no record, no charge",
   "releases_on": "The returned schedule.",
   "does_not_release_on": "A refused calculation on invalid input, which returns a typed 422 naming every offending field with a cure object. This row has no upstream and cannot half-succeed.",
   "door": "apis.finance",
   "resource": "https://apis.finance/v1/amortization",
   "method": "POST",
   "schema": "GET https://apis.finance/v1/amortization",
   "callable": true,
   "note": "The first callable row on this property, 2026-08-02. Keyless: no key, no registration, no payment rail, no 402. \"$0 · keyless\" is a posted price and fixed-at-post binds a free number exactly as it binds a paid one, so this row is priced rather than unpriced. It does not wait on x402 because there is nothing to settle. It is pure math over numbers the caller supplies: no upstream, no retained input, no Application, no Decision, no advice string, and no licence implicated, so the reserved-act boundary is not reachable from it."
  },
  {
   "sku": "License-permission lookup",
   "gets": "Which acts which party may lawfully perform, per state, typed",
   "price": "$0.10 per lookup · DRAFT",
   "status": "ROADMAP",
   "tier": "data · read",
   "gate_kind": "none",
   "fee_line": "Telemetry Fee",
   "merchant_of_record": "OpCo",
   "meter_grain": "per lookup",
   "proof_predicate": "no record, no charge",
   "releases_on": "The typed permission row for one state and one act.",
   "does_not_release_on": "A state and act pair with no ratified rule row. That returns a typed refusal naming the missing rule and meters nothing.",
   "door": "shared",
   "callable": false
  },
  {
   "sku": "Floorplan collateral telemetry",
   "gets": "The attested Collateral file per floored VIN: title-lien state, odometer, location attestation, sale signals, Curtailment schedule, Payoff figure",
   "price": "$45 per floored VIN per audit period",
   "status": "LIVE · desk pilot",
   "tier": "data · read",
   "gate_kind": "access",
   "gate_note": "The VIN must sit under a floorplan Mandate.",
   "fee_line": "Telemetry Fee",
   "merchant_of_record": "OpCo",
   "meter_grain": "per floored VIN per audit period, not per call",
   "audit_period": "One calendar month. The period opens on the first day of the month and closes on the last.",
   "billing_interval": "P1M",
   "spend_worked_example": "200 floored VINs is $9,000 per month.",
   "proof_predicate": "no record, no charge",
   "releases_on": "The attested Collateral file for that VIN within that audit period.",
   "does_not_release_on": "Any read after the first within the same audit period, which is already paid; a VIN with no Attestation in the period; a unit that left the floor before the period opened.",
   "door": "apis.finance",
   "callable": false,
   "note": "LIVE · desk pilot means one desk under a named pilot arrangement, operated by a person. It is not a callable route and no /v1 path answers for it."
  },
  {
   "sku": "Prequal simulation",
   "gets": "A Lender's published criteria run against a Borrower file: coverage ratios, amortization scenarios, a typed WOULD_MEET or WOULD_NOT_MEET per criterion. The object is designed so that no Application is created, and counsel has not ruled which Simulation shapes stay outside 12 CFR 1002.2(f)",
   "price": "Price posts with the SKU",
   "status": "ROADMAP · typed, refused at the call",
   "tier": "data · read",
   "gate_kind": "none",
   "fee_line": "Telemetry Fee when it posts",
   "merchant_of_record": "OpCo",
   "meter_grain": "per simulation, draft",
   "proof_predicate": "no record, no charge",
   "releases_on": "Not implemented. This row is ROADMAP and refuses at the call.",
   "does_not_release_on": "Not implemented. This row is ROADMAP and refuses at the call.",
   "door": "apis.credit",
   "callable": false,
   "note": "Posted here 2026-08-01. The row rendered in apis.credit's price table, which its own prose calls a view of this card, while this card carried no row for it under any door, and a view that carries a row its source does not carry is a second price list. Counsel must still rule which Simulation shapes stay outside 12 CFR 1002.2(f) before this row could ever go LIVE; posting it typed, unpriced and uncallable is the catalog admitting the row exists and refusing it at the call."
  },
  {
   "sku": "KYA agent scores",
   "gets": "Know Your Agent (KYA): a counterparty score for an agent, from its mandate history, settlement record and delegation chain",
   "price": "Price posts with the SKU",
   "status": "ROADMAP · spec posted",
   "tier": "data · read",
   "gate_kind": "none",
   "fee_line": "Telemetry Fee when it posts",
   "merchant_of_record": "OpCo",
   "meter_grain": "per score, draft",
   "proof_predicate": "no record, no charge",
   "releases_on": "Not implemented. This row is ROADMAP.",
   "does_not_release_on": "Not implemented. This row is ROADMAP.",
   "door": "apis.finance",
   "callable": false
  }
 ],
 "roadmap": [
  {
   "sku": "Consumer credit signals",
   "gets": "Consumer attributes, debt-to-income, adverse-action reason codes",
   "gate": "A recorded FCRA permissible purpose",
   "price": "Price posts with the SKU",
   "status": "ROADMAP",
   "callable": false,
   "tier": "data · read",
   "gate_kind": "access",
   "fee_line": "Telemetry Fee",
   "proof_predicate": "no record, no charge",
   "door": "apis.credit"
  },
  {
   "sku": "Cash-flow attributes",
   "gets": "Verified revenue, volatility, existing-debt detection, NSF incidence",
   "gate": "Recorded Borrower consent to bank data",
   "price": "Price posts with the SKU",
   "status": "ROADMAP",
   "callable": false,
   "tier": "data · read",
   "gate_kind": "access",
   "fee_line": "Telemetry Fee",
   "proof_predicate": "no record, no charge",
   "door": "apis.credit"
  },
  {
   "sku": "The lien stack",
   "gets": "The full priority stack for a debtor: collateral descriptions parsed, continuation and lapse windows, filing office of record",
   "gate": "Keyless",
   "price": "Price posts with the SKU",
   "status": "ROADMAP",
   "callable": false,
   "tier": "data · read",
   "gate_kind": "none",
   "fee_line": "Telemetry Fee",
   "proof_predicate": "no record, no charge",
   "door": "apis.credit"
  },
  {
   "sku": "Verification attributes",
   "gets": "Employment, income and asset attributes normalized to underwriting-ready fields",
   "gate": "Recorded payroll or bank-data consent",
   "price": "Price posts with the SKU",
   "status": "ROADMAP",
   "callable": false,
   "tier": "data · read",
   "gate_kind": "access",
   "fee_line": "Telemetry Fee",
   "proof_predicate": "no record, no charge",
   "door": "shared"
  },
  {
   "sku": "KYC and AML screening",
   "gets": "Sanctions, politically-exposed-person and watchlist screening, identity attributes, adverse media",
   "gate": "A screening rail",
   "price": "Price posts with the SKU",
   "status": "ROADMAP",
   "callable": false,
   "tier": "data · read",
   "gate_kind": "access",
   "fee_line": "Telemetry Fee",
   "proof_predicate": "no record, no charge",
   "door": "apis.finance"
  },
  {
   "sku": "Bank account and routing validation",
   "gets": "Routing validity, account status, ACH, RTP and FedNow reachability, return risk",
   "gate": "A bank-data rail",
   "price": "Price posts with the SKU",
   "status": "ROADMAP",
   "callable": false,
   "tier": "data · read",
   "gate_kind": "access",
   "fee_line": "Telemetry Fee",
   "proof_predicate": "no record, no charge",
   "door": "shared"
  },
  {
   "sku": "Financial statement normalization",
   "gets": "A Borrower's statements returned as normalized fields with the source page cited",
   "gate": "Keyless",
   "price": "Price posts with the SKU",
   "status": "ROADMAP",
   "callable": false,
   "tier": "services · record",
   "gate_kind": "none",
   "fee_line": "Product Fee",
   "proof_predicate": "no record, no charge",
   "door": "apis.credit"
  },
  {
   "sku": "Adverse-action notice assembly",
   "gets": "The Reg B notice assembled inside the Decision artifact from the Lender's own reason set. The reasons are the Lender's; this never authors one",
   "gate": "The Lender's own Decision supplies the reason set",
   "price": "Price posts with the SKU",
   "status": "ROADMAP",
   "callable": false,
   "tier": "services · record",
   "gate_kind": "signer-R",
   "gate_note": "The Lender's Decision supplies the reason set. This SKU renders the notice and never authors a reason.",
   "fee_line": "Product Fee",
   "proof_predicate": "no decision, no charge",
   "door": "apis.loans"
  },
  {
   "sku": "Compliance preflight",
   "gets": "Ability-to-repay and qualified-mortgage fee tests under 12 CFR 1026.43(e)(3), TRID tolerance checks, high-cost thresholds, cure computation",
   "gate": "Keyless",
   "price": "Price posts with the SKU",
   "status": "ROADMAP",
   "callable": false,
   "tier": "data · read",
   "gate_kind": "none",
   "fee_line": "Telemetry Fee",
   "proof_predicate": "no record, no charge",
   "door": "apis.mortgage"
  },
  {
   "sku": "Payout disbursement rail",
   "gets": "A disbursement executed against a Mandate, with a settlement_ref on the event",
   "gate": "A sponsor-bank rail",
   "price": "Price posts with the SKU",
   "status": "ROADMAP",
   "callable": false,
   "tier": "commerce · act",
   "gate_kind": "access",
   "fee_line": "Product Fee",
   "proof_predicate": "no funding, no charge",
   "door": "apis.finance"
  },
  {
   "sku": "Transaction escrow",
   "gets": "Funds held for a third party pending a condition and released on the recorded condition",
   "gate": "A licensed or lawfully exempt escrow holder",
   "price": "Price posts with the SKU",
   "status": "ROADMAP",
   "callable": false,
   "tier": "commerce · act",
   "gate_kind": "signer-L",
   "fee_line": "File Fee",
   "proof_predicate": "not a meter: the File Fee is a Remittance owed on the completed File Act, evidenced by the Attestor's accepted work product",
   "door": "apis.finance"
  },
  {
   "sku": "x402 agent payment clearing",
   "gets": "Agent-to-agent clearing against a Mandate: spend caps, per-call settlement, usage rollups",
   "gate": "A Mandate",
   "price": "Price posts with the SKU",
   "status": "ROADMAP",
   "callable": false,
   "tier": "commerce · act",
   "gate_kind": "none",
   "gate_note": "A Mandate is required in addition to the gate on every commerce row.",
   "fee_line": "Product Fee",
   "proof_predicate": "no funding, no charge",
   "door": "apis.finance"
  },
  {
   "sku": "Ledger core",
   "gets": "Double-entry ledger as an API: accounts, postings, holds, balance assertions, an immutable audit trail. Runs continuously, so it prices per posting and not per call",
   "gate": "Keyless",
   "price": "Price posts with the SKU",
   "status": "ROADMAP",
   "callable": false,
   "tier": "substrate · run",
   "gate_kind": "none",
   "fee_line": "Product Fee",
   "proof_predicate": "no posting, no charge",
   "door": "apis.finance"
  },
  {
   "sku": "Lending core",
   "gets": "Loan management for any credit shape: billing engine, delinquency buckets, modifications, boarding. Runs continuously, so it prices per posting and not per call",
   "gate": "Keyless",
   "price": "Price posts with the SKU",
   "status": "ROADMAP",
   "callable": false,
   "tier": "substrate · run",
   "gate_kind": "none",
   "fee_line": "Product Fee",
   "proof_predicate": "no posting, no charge",
   "door": "apis.finance"
  },
  {
   "sku": "Agent billing core",
   "gets": "x402-native metering for your own product: wallet, spend caps, per-call settlement, usage rollups. Runs continuously, so it prices per posting and not per call",
   "gate": "Keyless",
   "price": "Price posts with the SKU",
   "status": "ROADMAP",
   "callable": false,
   "tier": "substrate · run",
   "gate_kind": "none",
   "fee_line": "Product Fee",
   "proof_predicate": "no posting, no charge",
   "door": "apis.finance"
  },
  {
   "sku": "eNote and eVault control",
   "gets": "Typed state on an electronic promissory note: which vault holds control, every transfer of control attested under UCC 9-105",
   "gate": "An eRegistry membership and a contracted vault",
   "price": "Price posts with the SKU",
   "status": "ROADMAP",
   "callable": false,
   "tier": "substrate · run",
   "gate_kind": "access",
   "fee_line": "Product Fee",
   "proof_predicate": "no posting, no charge",
   "door": "apis.mortgage"
  }
 ],
 "adjacent_doors": [
  {
   "group": "The close suite",
   "status": "RESERVED",
   "callable": false,
   "price": "No price is posted at these doors.",
   "doors": [
    "https://monthend.finance",
    "https://controllers.finance"
   ],
   "note": "Monthend, accruals, reconciliations, variances and forecasts, each under its own door. Names held, roles posted, nothing live behind them. The close-suite doors are stamped RESERVED at their own addresses and post no price. This is a group of doors rather than a SKU: it has no gate and no per-call record, so it is carried here rather than in the roadmap register, which is bound row for row to the rendered table on the page."
  }
 ],
 "reserved": [
  {
   "act": "extend credit",
   "reserved_to_party": "Lender",
   "gate_kind": "signer-R",
   "callable": false,
   "never_callable": true,
   "response": "BLOCKED",
   "cure_route": "LENDER_MARKETPLACE",
   "what_this_platform_may_do": "Route the file, type the state, record the money events that follow."
  },
  {
   "act": "take the Application",
   "reserved_to_party": "Lender",
   "gate_kind": "signer-R",
   "callable": false,
   "never_callable": true,
   "response": "BLOCKED",
   "cure_route": "LENDER_MARKETPLACE",
   "what_this_platform_may_do": "Type the Application's state and run its clocks, each with a named responsible party."
  },
  {
   "act": "negotiate terms",
   "reserved_to_party": "Lender",
   "gate_kind": "signer-R",
   "callable": false,
   "never_callable": true,
   "response": "BLOCKED",
   "cure_route": "LENDER_MARKETPLACE",
   "what_this_platform_may_do": "Nothing, including through an agent's utterance. The gate binds at utterance time, not commit time."
  },
  {
   "act": "decide",
   "reserved_to_party": "Lender",
   "gate_kind": "signer-R",
   "callable": false,
   "never_callable": true,
   "response": "BLOCKED",
   "cure_route": "LENDER_MARKETPLACE",
   "what_this_platform_may_do": "Receive the Decision artifact with the adverse-action notice inside it. This platform never states an approval on its own behalf."
  }
 ],
 "fee_lines": {
  "Telemetry Fee": "pure data; caller to OpCo; OpCo is Merchant of Record; the only fee line exercised by any live row on this property",
  "Product Fee": "platform work; Tenant to OpCo, never the Borrower; OpCo is Merchant of Record",
  "Origination Fee": "only ever from a licensed entity; Borrower to the creditor on the product; the creditor is Merchant of Record",
  "File Fee": "the flat professional fee for a File Act; OpCo to the Attestor, as a Remittance; there is no Merchant of Record slot on a payout",
  "Pass-Through": "third-party costs at cost, itemized, never marked up; the third party is Merchant of Record",
  "Interest": "never platform revenue, on any tier, ever"
 },
 "note": "Never a percentage of the credit.",
 "receipt_fields": {
  "note": "Every metered response carries these. A receipt that says only success cannot be audited against the promise it was sold under.",
  "fee_line": "The fee line by name, drawn only from fee_lines below.",
  "amount": "The amount, matching this card byte for byte.",
  "settlement_ref": "On every money event, walkable by the caller's auditor.",
  "releasing_fact": "Which record, which scope, which period. This is what makes the meter promise checkable rather than asserted.",
  "pass_through": "Itemized at cost and never marked up, where a third-party cost was incurred."
 },
 "status_note": "One row on this card is callable over HTTP today: amortization math, at POST https://apis.finance/v1/amortization, keyless and posted at $0, with its typed schema at GET on the same path. One more is LIVE at a named desk pilot operated by a person. The remaining six are ROADMAP and their prices marked DRAFT are posted and not yet ratified. x402 metering is ROADMAP at https://apis.finance/.well-known/x402 and the MCP server is ROADMAP at https://apis.finance/mcp; both gate the priced rows and neither gates the keyless one, which has nothing to settle. A row goes LIVE here only when a route answers, the price is posted and binds, and the meter releases on a served record."
}