FinSight
A paid financial analytics API for AI agents on MPP
FinSight — Pay-per-use Portfolio Analytics API
What Are We Building?
FinSight is a pay-per-use financial portfolio analytics API designed to be consumed autonomously by AI agents (Claude, Cursor, Cline, and others) — no registration, no API key per user, just a USDC balance.
It combines two core technologies:
- MCP (Model Context Protocol) — the standard for integrating AI agents with external tools and APIs
- MPP (Machine Payment Protocol) + Tempo Blockchain — infrastructure for automated machine-to-machine micropayments
The result: an AI agent can analyze investment portfolios in real-time, pay per request on its own, and return quantitative results to the user — all without human intervention.
Live API: https://finsight-mpp.finsight-mpp.workers.dev
The Role of MPP + Tempo Blockchain
MPP (Machine Payment Protocol)
MPP is an HTTP standard for automated micropayments between machines. It works like HTTP auth but for payment challenge-response:
- Server returns HTTP 402 Payment Required with a payment challenge
- Client (AI agent) reads the challenge, pays on-chain, and attaches the payment proof
- Server verifies the proof and serves the request
MPP enables a registrationless paid API — anyone with a wallet and USDC can use it immediately.
Tempo Blockchain
Tempo is an L2 blockchain (chainId: 4217) used as the USDC payment rails. Chosen for:
- ~500ms transaction confirmation — fast enough for per-request payments
- ~$0.001 gas fee — cheap enough for micropayments
- Native TIP-20 token support (USDC) for stablecoin settlement
Payment Flow
AI Agent / Client FinSight Worker Tempo Blockchain
│ │ │
├─── POST /analyze/risk ──────────►│ │
│ │ │
│◄── HTTP 402 + challenge ─────────┤ │
│ (amount, recipient, chainId) │ │
│ │ │
├─── Send USDC ───────────────────────────────────────────────────►│
│◄── TX Hash / Receipt ───────────────────────────────────────────┤
│ │ │
├─── POST /analyze/risk ──────────►│ │
│ Authorization: Bearer <hash> ├─── Verify TX ────────────────►│
│ │◄── Valid ─────────────────────┤
│◄── HTTP 200 + Analysis Result ───┤ │
Key Components
| Component | Location | Purpose |
|---|---|---|
MPP_SECRET_KEY | Server (Cloudflare Worker) | Validates payment tokens from clients |
MPPX_SECRET_KEY | Client (MCP Server) | Signs and generates payment tokens |
RECIPIENT_ADDRESS | Server | USDC recipient wallet address |
MPP_SECRET_KEY(server) andMPPX_SECRET_KEY(client) must share the same value.
Dry-Run Mode (Development)
Test without any on-chain transaction:
curl -X POST https://finsight-mpp.finsight-mpp.workers.dev/analyze/risk?dry_run=true \
-H "Authorization: Bearer <DRY_RUN_TOKEN>" \
-H "Content-Type: application/json" \
-d '{"holdings":[{"asset":"BTC","ticker":"BTC","weight":0.6},{"asset":"ETH","ticker":"ETH","weight":0.4}]}'
Quantitative multi-asset portfolio analytics delivered as a Cloudflare Worker with micropayment gating via Tempo chain (USDC). Supports 70+ crypto tickers, 60+ US equity/ETF tickers, 30+ IDX Indonesia stocks, and macro indicators from FRED.
Data Sources
| Source | Coverage | Cache TTL |
|---|---|---|
| CoinGecko | 70+ crypto tickers, 365-day daily history | 5 min |
| Twelve Data | 60+ US equity/ETF, 252-day daily history | 1 hr |
| Yahoo Finance | 30+ IDX Indonesia stocks (.JK suffix) | 1 hr |
| FRED | VIX, yield curve, CPI, GDP, unemployment, M2 | 1 hr |
| Alternative.me | Fear & Greed Index (0-100) | 1 hr |
Analytics Methodology
Correlation Matrix
Computes real Pearson correlation rho(X,Y) = Cov(X,Y) / (sigma_X * sigma_Y) from daily log returns when price history is available for both assets. Falls back to asset-class heuristic estimates when no price data exists.
Portfolio Volatility
Uses the full covariance matrix formula sigma_p = sqrt(w^T * Sigma * w) where Sigma_ij = rho_ij * sigma_i * sigma_j. This correctly accounts for cross-asset correlations rather than assuming a single average correlation for all pairs.
Beta (Market Sensitivity)
Computed via OLS regression against SPY benchmark: beta = Cov(r_asset, r_SPY) / Var(r_SPY) from aligned daily log returns. SPY is always fetched as benchmark even when not in the portfolio. Falls back to asset-class defaults when insufficient data.
Stress Testing
10 scenario simulations with beta-adjusted impacts. Market-wide scenarios (crash, recovery, recession) scale each asset's impact by its effective beta rather than using hardcoded constants. Sector-specific adjustments apply where relevant.
Executive Summary
Scores portfolios on a 0-100 scale across 4 components (Sharpe, diversification, drawdown, profile alignment). Produces 5+ items per category (strengths, risks, recommendations) with quantitative backing — e.g., specific ratios, percentages, and thresholds.
Additional Modules
- VaR/CVaR — Parametric Value-at-Risk at 95% and 99% confidence
- Monte Carlo — 10,000-path Geometric Brownian Motion simulation (Box-Muller RNG)
- Diversification — HHI, effective asset count, asset-class/region/sector breakdown
- Factor Exposure — Market beta, duration, dividend yield, currency exposure
- Market Regime — Detection from macro indicators (VIX, yield curve, credit spreads)
- Rebalancing — Risk parity, minimum variance, equal weight, profile-based
- Portfolio Comparison — Side-by-side delta across 9 metrics
Endpoints
| Endpoint | Method | Price | Description |
|---|---|---|---|
/ | GET | Free | API info and supported assets |
/demo | GET | Free (2/day/IP) | Live demo with BTC+ETH+SPY+GLD |
/pricing | GET | Free | Full pricing table |
/health | GET | Free | Health check |
/llms.txt | GET | Free | MCP integration docs |
/analyze/risk | POST | $0.005 | Sharpe, Sortino, Calmar, beta, risk tier |
/analyze/rebalance | POST | $0.01 | Target weights by method |
/analyze/diversification | POST | $0.005 | HHI, breakdown, warnings |
/analyze/stress | POST | $0.01 | 10 beta-adjusted scenarios |
/analyze/var | POST | $0.01 | VaR/CVaR at 95% and 99% |
/analyze/factors | POST | $0.01 | Factor exposure analysis |
/analyze/correlation | POST | $0.01 | Pearson correlation matrix |
/analyze/regime | POST | $0.01 | Market regime detection |
/analyze/montecarlo | POST | $0.02 | 10,000-path Monte Carlo |
/analyze/report | POST | $0.05 | Full report: all modules + executive summary |
/analyze/compare | POST | $0.03 | Compare two portfolios |
Payment
All paid endpoints require USDC payment on Tempo chain (chainId: 4217) via the Machine Payment Protocol (MPP). Settlement is ~500ms with ~$0.001 gas.
Dry-run mode is available for development only when DRY_RUN_TOKEN is configured as a Wrangler secret. Requires Authorization: Bearer <token> header. Not publicly accessible.
Request Format
{
"holdings": [
{ "asset": "BTC", "weight": 0.4, "assetClass": "crypto" },
{ "asset": "ETH", "weight": 0.3, "assetClass": "crypto" },
{ "asset": "SPY", "weight": 0.2, "assetClass": "equity" },
{ "asset": "GLD", "weight": 0.1, "assetClass": "commodity" }
],
"profile": "balanced",
"benchmarkReturn": 0.08,
"riskFreeRate": 0.05,
"rebalanceMethod": "risk_parity"
}
Fields like avgReturn, volatility, and maxDrawdown are auto-populated from live data when the ticker is recognized. User-provided non-default values always take precedence.
Supported Tickers
Crypto (CoinGecko — 70+)
BTC, ETH, SOL, BNB, XRP, ADA, AVAX, DOGE, DOT, TRX, TON, HBAR, ALGO, FTM, ICP, VET, XMR, BCH, KAS, FIL, FLOW, STX, ROSE, MATIC/POL, ARB, OP, STRK, IMX, MANTA, LINK, UNI, AAVE, MKR, CRV, LDO, SNX, COMP, GMX, DYDX, 1INCH, CAKE, ATOM, NEAR, APT, SUI, SEI, TIA, LTC, ETC, XLM, INJ, JUP, PYTH, RNDR, GRT, OCEAN, ENS, WLD, HYPE, ZRO, LIT, EIGEN, VIRTUAL, PEPE, WIF, BONK, TRUMP, SHIB, FLOKI, POPCAT, USDC, USDT, DAI, FRAX, USDS
US Equity/ETF (Twelve Data — 60+)
SPY, QQQ, IWM, DIA, VTI, VOO, VEA, VWO, ARKK, GLD, SLV, TLT, IEF, BND, AGG, HYG, XLK, XLF, XLE, XLV, SOXX, SMH, AAPL, MSFT, GOOGL, AMZN, NVDA, TSLA, META, AMD, CRM, PLTR, COIN, MSTR, JPM, BAC, GS, V, MA, XOM, CVX, JNJ, UNH, LLY, WMT, COST, VNQ, O, AMT, BIL, SGOV, and more
IDX Indonesia (Yahoo Finance — 30+)
BBCA, BBRI, BMRI, BBNI, TLKM, ASII, ADRO, PTBA, ANTM, GOTO, BUKA, KLBF, SIDO, BSDE, SMGR, and more
MCP Integration
FinSight works as an MCP (Model Context Protocol) server for AI agents like Claude, Cursor, and Cline. See /llms.txt for setup instructions.
Development
# Install dependencies
npm install
# Local development
npx wrangler dev
# Set secrets
wrangler secret put MPP_SECRET_KEY
wrangler secret put COINGECKO_API_KEY
wrangler secret put TWELVE_DATA_API_KEY
wrangler secret put FRED_API_KEY
wrangler secret put DRY_RUN_TOKEN
# Deploy
npx wrangler deploy
KV Namespaces
RATE_LIMITS— IP-based rate limiting (60 req/min)CACHE— Report result cache (30s TTL)MARKET_DATA— Price data and macro indicator cache
Architecture
- Runtime: Cloudflare Workers (edge deployment)
- Framework: Hono (TypeScript)
- Payment: MPP via Tempo chain (USDC)
- Validation: Zod schemas with weight-sum verification
- Caching: Cloudflare KV with versioned keys
Version
v3.1.0 — Twelve Data equity provider, lower pricing, demo rate limiting (2/day/IP), real Pearson correlation, OLS beta, beta-adjusted stress tests.
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