{
  "object": "mcp_discovery",
  "server": "apis.credit",
  "status": "ROADMAP",
  "callable": false,
  "note": "The MCP server for apis.credit is typed and not yet callable. The tools below are the registry's names for the catalog's rows and will not be renamed when the server ships. No row on this door is callable over HTTP either: every tool below is ROADMAP, and the prices on the family card are posted in draft until the owner ratifies them.",
  "rate_card": "https://apis.finance/rate-card.json",
  "x402": "https://apis.credit/.well-known/x402",
  "use_restriction": "https://apis.credit/use-restriction",
  "operator": {
    "name": "Do Industries",
    "role": "Publisher of apis.credit and operator of the apis.finance family.",
    "contact": "keys@apis.finance",
    "registered_form": null,
    "jurisdiction_of_organization": null,
    "note": "The registered form and the jurisdiction of organization are not posted yet. They are owner-ratified and publish before the first callable row."
  },
  "tools": [
    {
      "name": "pull_business_file",
      "description": "Pull a business credit and KYB file on an entity: verification, registrations, lien and judgment flags, cash-flow signals.",
      "status": "ROADMAP",
      "callable": false,
      "price": "$3.00 per file pull · DRAFT",
      "meter": "no record, no charge",
      "refusal": "Typed in the registry and not yet callable. What would clear it: a route that answers, metered over x402, and a ratified price."
    },
    {
      "name": "search_ucc",
      "description": "Search state filing offices for UCC filings against a debtor: positions, secured parties, filing images. Debtor location governs, per UCC 9-301. State office fees pass through at cost.",
      "status": "ROADMAP",
      "callable": false,
      "price": "$4.00 per search · DRAFT",
      "meter": "no record, no charge",
      "refusal": "Typed in the registry and not yet callable. What would clear it: a route that answers, metered over x402, and a ratified price."
    },
    {
      "name": "simulate_criteria",
      "description": "Run a Lender's published criteria against a Borrower file and return a typed result per criterion. The object is designed so that no Application is created, and the shape is unruled under 12 CFR 1002.2(f).",
      "status": "ROADMAP",
      "price": "Price posts with the SKU",
      "refusal": "Typed in the registry and refused at the call until the Simulation shape is ratified."
    }
  ],
  "never_callable": {
    "note": "These are not tools and will not become tools. They are acts reserved to a licensed Lender.",
    "acts": [
      "extend credit",
      "take the Application",
      "negotiate terms",
      "decide"
    ],
    "reserved_to_party": "Lender",
    "route": "https://apis.finance"
  },
  "permitted_use": {
    "regime": "COMMERCIAL",
    "fcra_consumer_report": false,
    "restriction": "Commercial credit, KYB, and simulation use only. No consumer purpose. This restriction is a term of the call.",
    "terms": "https://apis.credit/use-restriction"
  }
}