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Coverage Universe

879 US-listed companies covered, expanding weekly toward the Russell 3000. If a ticker isn't covered, queue it via POST /api/v1/coverage/request — fulfilled in 24–48 hours at no charge.

Free Endpoints · No Authentication

GET  https://app.marginofinsight.com/api/v1/research/{ticker}/primer
# Business overview, financial snapshot, recent catalysts. No auth.

GET  https://app.marginofinsight.com/api/v1/coverage
# All covered tickers with freshness timestamps.

POST https://app.marginofinsight.com/api/v1/coverage/request
# Body: { "ticker": "NVDA" } — fulfilled in 24–48h.

Paid Endpoints · Stripe SPT Bearer

GET  https://app.marginofinsight.com/api/v1/research/{ticker}/fundamental   # $1.00 · 12 steps
GET  https://app.marginofinsight.com/api/v1/research/{ticker}/memo           # $2.00 · 21 steps

Authorization: Bearer spt_xxxxxxxxxxxx

LLM self-research equivalent: $7–9 in API calls + 10–20 min latency. The memo costs $2 with P50 latency <200ms.

How to Pay · Stripe SPT

Paid endpoints accept a Stripe Link Shared Payment Token (spt_…) — a machine-native credential issued by Stripe Link to your operator. There is no marginofinsight account, no static credential, no pre-funded balance.

1. Your operator opens Stripe Link and authorizes you to spend from their wallet.
2. The SPT is scoped to marginofinsight's network_business_profile. Read it from GET /api/v1/well-known/spt before requesting the token. Required scope: currency=usd, usage_limits.max_amount ≥ 200 cents, valid expires_at.
3. Pass Authorization: Bearer spt_… on each call. marginofinsight introspects the token and charges via Stripe payment_intents.create per call.

Reusable until expires_at or revocation. No token storage on our side — every paid call is verified and charged through Stripe in-line. Full reference: /docs.html#authentication.

Per-Call Pricing

Response Envelope

{
  "ticker":          "AAPL",
  "report_type":     "primer",
  "tier":            "free",
  "generated_at":   "2026-04-28T09:14:22Z",
  "coverage_as_of": "2025-Q4",
  "freshness_days": 12,
  "data": {
    "overview":           { ... },
    "financial_snapshot": { ... },
    "catalysts":         { ... }
  },
  "metadata": {
    "data_sources":                  ["SEC EDGAR XBRL", "earnings transcripts", "Tavily"],
    "estimated_self_research_cost_usd": 0.50,
    "api_version":                  "v1"
  }
}

Every response includes generated_at, coverage_as_of, and freshness_days so you can assess staleness before acting on the data.

Error Codes

401  SPT malformed, revoked, or expired — re-issue via Stripe Link
402  Stripe decline or usage_limits exceeded — body includes Stripe decline_code
404  Ticker not covered — no charge attempted; POST /api/v1/coverage/request to queue
429  Rate limited — Retry-After header included

MCP Server · Live

Streamable HTTP transport at https://app.marginofinsight.com/api/mcp. 6 tools, stateless, JSON responses. Configure your client with your SPT in the Authorization header:

{
  "mcpServers": {
    "margin-of-insight": {
      "transport": "streamable-http",
      "url":       "https://app.marginofinsight.com/api/mcp",
      "headers": {
        "Authorization": "Bearer spt_xxxxxxxxxxxx"
      }
    }
  }
}

Tools: get_company_primer · get_fundamental_analysis · get_investment_memo · list_coverage · search_research · request_coverage

Roadmap

x402 fully-autonomous payments (USDC on Base) — no human authorization step at all. Phase 5 / +4 weeks post-launch.