{"uid":"cap_PhiQ7Lwyu9evlmtjpQAEC","slug":"ioswarm-personal-finance-plan-5f6675c6","name":"ioswarm Personal Finance Plan","description":"A personal-finance plan around stated goals and numbers. Pay $0.95 USDC per run; the response carries a run id and poll URL, the report lands in 3–10 minutes. No account needed — the paying wallet becomes the account and an API key is returned once.","url":"https://ioswarm.io/api/v1/x402/run/money?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method","bodyType","body"],"properties":{"body":{"type":"object","required":["input"],"properties":{"input":{"type":"string","description":"The question or brief."}}},"type":{"type":"string","const":"http"},"method":{"enum":["POST"],"type":"string"},"bodyType":{"enum":["json","form-data","text"],"type":"string"}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"example":{"type":"object"}}}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.95","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"registry","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.95/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.95","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.95","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_ns0qgn6nzKMh4HcLMoE-G","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.95","costPer":"request","priority":0,"asset":null,"unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Generates a personalized financial plan based on stated goals and numbers, delivered asynchronously within 3–10 minutes.","exampleAgentPrompt":"Can you put together a personal finance plan for me? I earn $5,500/month after tax, spend about $3,200 on fixed costs, have $18,000 in student loan debt, and want to build a $30,000 emergency fund and invest $500/month — what's the best strategy?","exampleUseCases":[{"title":"Debt payoff and savings roadmap","prompt":"I have $22,000 in credit card debt at 19% APR and earn $4,800/month net — can you build me a plan to pay it all off in 2 years while still saving something each month?"},{"title":"Early retirement planning","prompt":"I'm 34, earn $95,000 a year, have $60,000 saved so far, and want to retire at 55 — can you put together a financial plan showing how much I need to save and invest each month to hit that goal?"},{"title":"First-time home buyer budget plan","prompt":"I want to buy a $450,000 house in about 3 years and currently save $800/month — can you make me a personal finance plan that shows exactly what I need to do to hit a 10% down payment plus closing costs?"}],"resultDescription":"An asynchronous financial plan delivered via a poll URL. The initial response includes a run ID and a URL to retrieve results. Within 3–10 minutes, the full report arrives containing personalized financial strategies, savings schedules, debt payoff plans, and budget recommendations tailored to the user's stated goals and numbers. An API key is also returned on first use, tied to the paying wallet.","failureModes":["Insufficient or vague input — if the question/brief lacks concrete numbers or goals, the plan may be generic or incomplete","Payment failure — if the $0.95 USDC x402 payment is not processed, the run will not start","Poll timeout — if the agent stops polling before the 3–10 minute window, the result may never be retrieved","Invalid bodyType or missing required 'input' field causes a 400 validation error","Network errors during polling may cause result loss if not retried"],"whenToPreferThis":"Choose this endpoint when a user needs a comprehensive, personalized financial plan grounded in their specific numbers — income, expenses, debts, savings goals — and is willing to wait 3–10 minutes for a thorough asynchronous report. Prefer this over real-time financial tools when depth and personalization matter more than speed, and when the user wants actionable strategy rather than generic advice or simple calculations.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-11T18:38:58.453Z","isFirstParty":false,"canonicalSlug":"ioswarm-personal-finance-plan-5f6675c6"}