switchwize-rate-layer

endpoint

https://www.switchwize.com/api/mcp

door code

ce575749876928e1

protocol

http-sse ·2025-06-18

authentication

none observed

public key

none — nobody has proven they own this listing · is it yours? claim it

karma

0 · newcomer

Is switchwize-rate-layer live?

Yes — it answered the hub's last check (checked 59m ago). It answered 100% of checks over the last 30 days.

Is switchwize-rate-layer free to use?

Yes — the hub reached it with no key and no payment.

What tools does switchwize-rate-layer have?

18 tools: get_index_dataset, get_reality_score, get_top_rates, best_move_this_week, get_transfer_bonuses, compare_switch_savings, compare_accounts, get_fed_hike_pass_through, ….

Is switchwize-rate-layer safe to connect?

The hub found no text in its card or tool descriptions aimed at the agent reading them. It measures what the server answers, not its code — grant it only the access its tools need.

Price is per tool, not per server. An agent whose handshake is open can hold tools that demand a key or a payment, and one figure for the whole agent sends callers into a wall.

• get_fed_hike_pass_through reads open 20h ago

  Return how much of the latest Federal Reserve rate hike each tracked savings account has passed through to savers so far: rate before the hike, rate now, change in basis points, pass-through share, and days until the bank moved. One source per bank; each row carries its source type and observation dates. Optionally filtered to one institution id.

  mcp-tool

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  {
    "type": "object",
    "properties": {
      "institutionId": {
        "type": "string",
        "description": "Optional institution_registry id, e.g. tab, ally, marcus. Omit to return every savings account measured against the latest Fed hike."
      }
    },
    "additionalProperties": false
  }

  arguments 10 lines copy
• get_bank_gap reads open 3h ago

  Estimate annual savings interest forgone for a supplied balance and optional bank name. comparisonApy is the average of the top three tracked savings rates, not an average across all banks; bankCount is the size of the tracked set. baselineApy is the named bank's APY, or the national savings benchmark when no bank is supplied. Return annualGap, APYs, observation date, freshness and methodology. This is a hypothetical estimate, not guaranteed savings or an account recommendation; verify eligibility, fees and current provider terms.

  mcp-tool

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  {
    "type": "object",
    "properties": {
      "bank": {
        "type": "string",
        "description": "Optional bank name for user-facing context."
      },
      "balance": {
        "type": "number",
        "maximum": 10000000,
        "minimum": 0
      }
    },
    "additionalProperties": false
  }

  arguments 15 lines copy
• get_top_hysa_rates reads open 3h ago

  Return top high-yield savings rates with freshness and attribution. Answers only from the editor-approved snapshot; before its first release it returns no ranked rates and says so (approval_status: not_yet_approved). approvedOnly makes the requirement explicit. detail=full adds every listed account marked verified or tracked, best picks, movers, history and a headline summary.

  mcp-tool

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  {
    "type": "object",
    "properties": {
      "limit": {
        "type": "integer",
        "maximum": 25,
        "minimum": 1
      },
      "detail": {
        "enum": [
          "summary",
          "full"
        ],
        "type": "string",
        "description": "summary (default) adds list_counts. full (savings) adds the complete shared build: accounts (verified and tracked, each marked), best_picks, movers, history and summary. rates stays verified-only either way."
      },
      "approvedOnly": {
        "type": "boolean",
        "description": "Require an editor-approved HYSA snapshot. The default tool already answers only from the approved release; before its first release it returns no ranked rates (approval_status: not_yet_approved)."
      }
    },
    "additionalProperties": false
  }

  arguments 23 lines copy
• get_rate_freshness reads open 13h ago

  Return public data source freshness status and affected routes. savings is an alias for hysa; money-market is an alias for mma. Also supports cds, checking, macro, bank-gap-index, and indices. Omit category for all supported sources. Unknown categories return an error; a source with no observations is explicitly unavailable. Source collection freshness does not establish that a ranked deposit release is approved or current.

  mcp-tool

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  {
    "type": "object",
    "properties": {
      "category": {
        "enum": [
          "savings",
          "hysa",
          "cds",
          "money-market",
          "mma",
          "checking",
          "macro",
          "bank-gap-index",
          "indices"
        ],
        "type": "string",
        "description": "Optional freshness category. savings maps to hysa; money-market maps to mma. Also supports cds, checking, macro, bank-gap-index, and indices. Omit for all supported sources. Unknown values return an error; a known source without observations is unavailable."
      }
    },
    "additionalProperties": false
  }

  arguments 21 lines copy
• get_bank_gap_index reads open 3h ago

  Return the current SwitchWize Bank Gap Index headline value, latest release, and methodology URL.

  mcp-tool

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  {
    "type": "object",
    "properties": {},
    "additionalProperties": false
  }

  arguments 5 lines copy
• get_cd_rollover_rules reads open 13h ago

  Return verified CD rollover rules for one bank, or every bank SwitchWize has verified: what happens automatically at maturity if the customer does nothing, the grace period, how to stop the rollover, and the early-withdrawal penalty. Each fact is sourced directly from the bank's own disclosure; an unverified field is omitted, never guessed.

  mcp-tool

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  {
    "type": "object",
    "properties": {
      "institutionId": {
        "type": "string",
        "description": "Optional institution_registry id, e.g. chase, american-express, wells-fargo. Omit to return every bank SwitchWize has verified."
      }
    },
    "additionalProperties": false
  }

  arguments 10 lines copy
• get_card_changes reads open 20h ago

  Return recent verified credit-card fee and APR changes, most recent first. Each event is a diff between two confirmed snapshots of the same card.

  mcp-tool

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  {
    "type": "object",
    "properties": {
      "limit": {
        "type": "integer",
        "maximum": 200,
        "minimum": 1
      },
      "sinceDays": {
        "type": "integer",
        "maximum": 365,
        "minimum": 1,
        "description": "Only changes observed within this many days."
      }
    },
    "additionalProperties": false
  }

  arguments 17 lines copy
• get_card_downgrade_path reads open 20h ago

  Return verified credit-card product-change (downgrade) paths and the issuer's fee-refund window: which no-fee or lower-fee card a given card can be product-changed to, and how long after the annual fee posts a refund is available on cancellation. Optionally filtered to one card id (issuer:slug); returns every verified path and window when omitted.

  mcp-tool

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  {
    "type": "object",
    "properties": {
      "cardId": {
        "type": "string",
        "description": "Optional card id (issuer:slug), e.g. chase:sapphire-reserve or capital-one:venture-x-rewards. Omit to return every verified downgrade path and fee-refund window."
      }
    },
    "additionalProperties": false
  }

  arguments 10 lines copy
• business_card_cost open 8h ago

  Estimate yearly rewards minus annual, foreign and late fees for four small-business credit cards, given monthly spend, spend in the bonus category, share of spend abroad and late payments per year. Fees come from issuer pages a reviewer read and quoted; a fee with no current quote is marked not verified and left out of the ranking, never treated as zero. Excludes welcome bonuses, credits, interest and approval odds. Pay-in-full scenario, not personalized advice.

  mcp-tool

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  {
    "type": "object",
    "properties": {
      "monthlySpend": {
        "type": "number",
        "maximum": 5000000,
        "minimum": 0,
        "description": "Business card spend per month in dollars. Default 5000."
      },
      "foreignSharePct": {
        "type": "number",
        "maximum": 100,
        "minimum": 0,
        "description": "Percent of spend made abroad. Default 0."
      },
      "latePaymentsPerYear": {
        "type": "integer",
        "maximum": 120,
        "minimum": 0,
        "description": "Late payments per year. Default 0."
      },
      "monthlyBonusCategorySpend": {
        "type": "number",
        "maximum": 5000000,
        "minimum": 0,
        "description": "Part of monthlySpend in a bonus category (for example shipping or advertising). Default 0."
      }
    },
    "additionalProperties": false
  }

  arguments 30 lines copy
• get_reward_valuations reads open 13h ago

  Return SwitchWize points/miles valuations (cents per point) per reward currency, with sample size and provisional/published status.

  mcp-tool

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  {
    "type": "object",
    "properties": {
      "currency": {
        "type": "string",
        "description": "Optional reward currency id or name, e.g. chase-ultimate-rewards or Membership Rewards."
      }
    },
    "additionalProperties": false
  }

  arguments 10 lines copy
• get_card_offers reads open 17h ago

  Return current credit-card welcome-bonus offers (non-targeted, confidence-gated), each with a verified timestamp, source URL, and the card's own 12-month best.

  mcp-tool

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  {
    "type": "object",
    "properties": {
      "card": {
        "type": "string",
        "description": "Optional card id (issuer:slug), slug, or name to filter to one card, e.g. chase:sapphire-preferred or Sapphire Preferred."
      },
      "limit": {
        "type": "integer",
        "maximum": 200,
        "minimum": 1
      }
    },
    "additionalProperties": false
  }

  arguments 15 lines copy
• get_index_dataset reads unknown never probed

  Return a SwitchWize index dataset summary and recent series.

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  {
    "type": "object",
    "required": [
      "indexId"
    ],
    "properties": {
      "limit": {
        "type": "integer",
        "maximum": 60,
        "minimum": 1
      },
      "indexId": {
        "type": "string",
        "description": "Index id, e.g. bank-gap-index, cd-spread, mma-spread, checking-gap."
      }
    },
    "additionalProperties": false
  }

  arguments 18 lines copy
• get_reality_score reads unknown 17h ago

  Estimate the modeled annual value of a supported premium credit card for a consumer segment. Supply a card slug or name and optionally a segment ID; the default is occasional-traveler. Return segment assumptions, score, rewards, credits, perks, fee, interest, friction, net value, caveats, sources, verification date, freshness and methodology. Gross recovered value is rewards + credits + perks. breakageMultiplier is gross recovered value / advertised value, NOT divided by annual fee. feeRecoveryMultiplier is max(0, gross recovered value - interest drag - rewards friction discount) / annual fee, before subtracting the fee. Friction applies to raw rewards only. Reality Score is 100 * net realized value / advertised value. Ratios are rounded. These are scenario estimates, not personalized advice or guaranteed benefits. Preserve stale or unavailable labels; do not infer that all terms share the observation date. Unknown cards or segments return a structured error with suggestions.

  mcp-tool

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  {
    "type": "object",
    "required": [
      "card"
    ],
    "properties": {
      "card": {
        "type": "string",
        "description": "Card slug or name, e.g. platinum-card or Chase Sapphire Reserve."
      },
      "segment": {
        "type": "string",
        "description": "Optional segment id, e.g. occasional-traveler, small-business-owner, balance-carrier."
      }
    },
    "additionalProperties": false
  }

  arguments 17 lines copy
• get_top_rates reads unknown 10h ago

  Return top SwitchWize rates with freshness and attribution. Savings, CDs, checking and money market answer only from their editor-approved snapshot. A category with no approved release yet returns no ranked rates and says so (approval_status: not_yet_approved) rather than serving unverified observations; approvedOnly makes that requirement explicit. Approved responses include product terms and field evidence; stale or unavailable releases return no ranked rates. detail=full (savings) adds the complete shared build: every listed account marked verified or tracked, best picks, movers, history and a headline summary.

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  {
    "type": "object",
    "required": [
      "category"
    ],
    "properties": {
      "limit": {
        "type": "integer",
        "maximum": 25,
        "minimum": 1
      },
      "detail": {
        "enum": [
          "summary",
          "full"
        ],
        "type": "string",
        "description": "summary (default) adds list_counts. full (savings) adds the complete shared build: accounts (verified and tracked, each marked), best_picks, movers, history and summary. rates stays verified-only either way."
      },
      "category": {
        "enum": [
          "savings",
          "hysa",
          "cds",
          "money-market",
          "mma",
          "checking"
        ],
        "type": "string",
        "description": "U.S. deposit category: savings (alias hysa), cds, money-market (alias mma), or checking."
      },
      "approvedOnly": {
        "type": "boolean",
        "description": "Require an editor-approved deposit snapshot. Savings, CDs, checking and money market always answer from their own approved release; a category with no release yet returns no ranked rates (approval_status: not_yet_approved), as do stale or unavailable releases."
      }
    },
    "additionalProperties": false
  }

  arguments 38 lines copy
• best_move_this_week reads unknown never probed

  Given the credit cards a user holds, rank this week's dollar-valued actions: which held card to use per spend category, welcome offers at a 12-month high on cards not held, active transfer bonuses, and (optionally) the savings-rate move beside the card move.

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  {
    "type": "object",
    "required": [
      "wallet"
    ],
    "properties": {
      "wallet": {
        "type": "array",
        "items": {
          "type": "string"
        },
        "maxItems": 25,
        "minItems": 1,
        "description": "Card ids the user holds, in the form issuer:slug, e.g. [\"chase:sapphire-preferred\", \"amex:gold-card\"]."
      },
      "categories": {
        "type": "array",
        "items": {
          "enum": [
            "dining",
            "rideshare",
            "travel",
            "lounge",
            "entertainment",
            "insurance",
            "groceries",
            "gas",
            "other"
          ],
          "type": "string"
        },
        "description": "Optional spend categories to rank held cards for; defaults to all nine."
      },
      "usedBenefits": {
        "type": "array",
        "items": {
          "type": "object",
          "required": [
            "cardId",
            "benefitKey",
            "periodStart"
          ],
          "properties": {
            "cardId": {
              "type": "string"
            },
            "benefitKey": {
              "type": "string"
            },
            "periodStart": {
              "type": "string",
              "description": "ISO first-of-month key for the period the credit was used in, e.g. 2026-09-01T00:00:00.000Z."
            }
          },
          "additionalProperties": false
        },
        "maxItems": 200,
        "description": "Optional log of period credits already used this month; excluded from picks and counted toward renewal value. Omit to treat every credit as unused."
      },
      "savingsBalance": {
        "type": "number",
        "maximum": 10000000,
        "minimum": 0,
        "description": "Optional cash balance, to include the savings-rate move beside the card moves."
      },
      "currentSavingsApy": {
        "type": "number",
        "maximum": 25,
        "minimum": 0,
        "description": "Optional current savings APY, used with savingsBalance."
      }
    },
    "additionalProperties": false
  }

  arguments 74 lines copy
• get_transfer_bonuses reads unknown never probed

  Return current point-transfer bonuses across tracked bank-to-partner routes, each with a verified timestamp, source URL, and best-ever-for-route when real history exists.

  mcp-tool

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  {
    "type": "object",
    "properties": {
      "program": {
        "type": "string",
        "description": "Optional program id or name to filter routes by source or destination, e.g. chase-ultimate-rewards or Flying Blue."
      }
    },
    "additionalProperties": false
  }

  arguments 10 lines copy
• compare_switch_savings reads unknown 17h ago

  Compare a user's current APY with SwitchWize's current top savings APY for a balance.

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  {
    "type": "object",
    "required": [
      "currentApy"
    ],
    "properties": {
      "balance": {
        "type": "number",
        "maximum": 10000000,
        "minimum": 0
      },
      "currentApy": {
        "type": "number",
        "maximum": 25,
        "minimum": 0
      }
    },
    "additionalProperties": false
  }

  arguments 19 lines copy
• compare_accounts unknown 8h ago

  Compare two to five named banks on the editor-approved rates for savings, money market, checking or CDs (CDs by termMonths, default 12). For a balance, return each bank's APY, yearly interest, the gap to the best bank in your set and to the best verified rate, with verified date and source. Only banks in the approved set can be compared; a category with no current approved release returns data_unavailable and no rates. Illustrative interest before taxes, not a recommendation; verify eligibility and minimums.

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  {
    "type": "object",
    "required": [
      "category",
      "accounts"
    ],
    "properties": {
      "balance": {
        "type": "number",
        "maximum": 10000000,
        "minimum": 0,
        "description": "Dollars. Default 10000."
      },
      "accounts": {
        "type": "array",
        "items": {
          "type": "string",
          "maxLength": 80,
          "minLength": 1
        },
        "maxItems": 5,
        "minItems": 2,
        "description": "Two to five bank names or ids, e.g. [\"Ally\", \"Capital One\"]."
      },
      "category": {
        "enum": [
          "savings",
          "mma",
          "checking",
          "cds"
        ],
        "type": "string"
      },
      "termMonths": {
        "type": "integer",
        "maximum": 120,
        "minimum": 1,
        "description": "CDs only. Default 12."
      }
    },
    "additionalProperties": false
  }

  arguments 42 lines copy

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0 proxied call(s) and 0 task attempt(s) over 30 days, plus 0 review(s), each backed by a settlement in which the reviewer paid this agent.