{"openapi":"3.1.0","info":{"title":"US Small Business Hub API","version":"0.4.0","description":"US Small Business Hub: one connector for a US small business. Start with monday_brief (the scheduled one) or whats_due: pass the owner's `profile` (state and entity_type are required; llc_taxed_as, formation_date, employees, deposit_schedule, pays_contractors, sells_online, imports_goods, has_foreign_accounts, pays_by_ach and recall_watchlist sharpen the answer; nothing is stored) and an explicit...\n\nEvery operation is read-only or compute-only. The same tools are available over MCP (streamable HTTP) at https://us-smb.connectorbay.com/mcp.\n\nDisclaimer: General information only, not legal, tax, accounting or payment advice. US Small Business Hub is an independent tool: it is not affiliated with, endorsed by or operated by any government body, central bank, standards body or scheme operator. Rates, thresholds and rules change; check the cited official source and confirm with a qualified professional before you rely on a result.","contact":{"name":"Unify Dynamics LLC","email":"agent@connectorbay.com","url":"https://connectorbay.com/us-smb/docs"},"termsOfService":"https://connectorbay.com/us-smb/terms"},"servers":[{"url":"https://us-smb.connectorbay.com"}],"externalDocs":{"url":"https://connectorbay.com/us-smb/docs"},"security":[{},{"bearer":[]}],"components":{"securitySchemes":{"bearer":{"type":"http","scheme":"bearer","description":"Optional. A Pro API key raises rate limits; no credentials are required."}},"schemas":{"Error":{"type":"object","properties":{"ok":{"const":false},"error":{"type":"object"}}}}},"paths":{"/v1/tools/monday_brief":{"post":{"operationId":"monday_brief","summary":"The scheduled Monday-morning brief for a US small business profile: what is due in the next days and what changed or is ","description":"The scheduled Monday-morning brief for a US small business profile: what is due in the next days and what changed or is about to change (recalls that match profile.recall_watchlist included), in one dated, sourced, ordered list, with everything the hub could not check. Use for \"Every Monday morning tell me what is due in the next two weeks for my Texas LLC and what changed\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"profile":{"additionalProperties":true,"description":"The owner's profile, an object (nothing is stored; unknown fields are refused). Required: \"state\" (2 letters, a US state or DC) and \"entity_type\" (sole_prop, llc, s_corp, c_corp or partnership). Optional: \"llc_taxed_as\" (sole_proprietor, partnership, s_corp or c_corp; needed for an LLC's federal income-tax dates), \"formation_date\" (YYYY-MM-DD, the date the entity was formed or registered; needed for state annual report dates), \"employees\" (whole number, default 0), \"deposit_schedule\" (monthly or semiweekly; needed for payroll deposit dates), \"pays_contractors\" (true if you file 1099-NEC or 1099-MISC), \"sells_online\" (true if you sell to customers in other states), \"imports_goods\" (true if you import goods), \"has_foreign_accounts\" (true if foreign financial accounts exceeded 10,000 US dollars in total), \"tax_year\" (whole number, default the year of on_date), \"hts_watch\" (up to 10 HTS numbers of 4, 6, 8 or 10 digits to watch), \"watch_agencies\" (up to 8 Federal Register agency names or slugs; default IRS, SBA and Labor), \"watch_cfr\" (up to 5 CFR references such as \"13 CFR 121\"), \"pays_by_ach\" (true if you send ACH payments, for Nacha rule dates), \"recall_watchlist\" (up to 10 product, brand or supplier business names, each up to 60 characters, no commas, no personal names: checked against the CPSC recalls of the look-back window). Example: {\"state\": \"TX\", \"entity_type\": \"llc\", \"llc_taxed_as\": \"sole_proprietor\", \"formation_date\": \"2021-03-01\", \"employees\": 3, \"deposit_schedule\": \"monthly\", \"pays_contractors\": true, \"sells_online\": true}","title":"Profile","type":"object"},"on_date":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"The date the answer is for, YYYY-MM-DD (default today, UTC); date_basis in the answer says which one was used","title":"On Date"},"horizon_days":{"default":14,"description":"Days ahead to look for dated deadlines and effective dates, 1 to 60 (default 14)","maximum":60,"minimum":1,"title":"Horizon Days","type":"integer"},"lookback_days":{"default":7,"description":"Days back to look for newly published rules and notices, 1 to 31 (default 7)","maximum":31,"minimum":1,"title":"Lookback Days","type":"integer"},"last_seen_hts_release":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Importers: the HTS release name you saw last week (for example 2026HTSRev19), to learn whether it changed","title":"Last Seen Hts Release"},"new_hire_start_dates":{"anyOf":[{"items":{"type":"string"},"type":"array"},{"type":"null"}],"default":null,"description":"Start dates (YYYY-MM-DD) of employees hired recently, at most 50: each gets the state new-hire report date (dates only, no names)","title":"New Hire Start Dates"},"trademark_registration_dates":{"anyOf":[{"items":{"type":"string"},"type":"array"},{"type":"null"}],"default":null,"description":"Not in this release: still accepted so that existing callers do not break (at most 5 dates written YYYY-MM-DD); a value adds one not_covered row saying trademark maintenance deadlines are not in this release, and no deadline is computed","title":"Trademark Registration Dates"},"resale_certificates":{"anyOf":[{"items":{"additionalProperties":true,"type":"object"},"type":"array"},{"type":"null"}],"default":null,"description":"Not in this release: still accepted so that existing callers do not break (at most 20 objects such as {\"reference\": \"cust-0042\", \"received_on\": \"2025-03-10\", \"expires_on\": \"2026-10-15\", \"form\": \"streamlined\"}; reference is a short label, no names); a value adds one not_covered row saying resale certificate dates are not in this release, and no date is computed","title":"Resale Certificates"},"include_i9_dates":{"default":false,"description":"Not in this release: still accepted so that existing callers do not break; true adds one not_covered row saying Form I-9 Section 2 dates are not in this release, and no I-9 date is computed (default false)","title":"Include I9 Dates","type":"boolean"},"max_items":{"default":24,"description":"Most items to return, 4 to 40 (default 24: two thirds deadlines, one third changes); what was left out is counted in `omitted`","maximum":40,"minimum":4,"title":"Max Items","type":"integer"},"verbose":{"default":false,"description":"false (default): compact answer (shape compact), sources listed once in `sources` and cited by `source_ids`, repeated caveats once in `common_caveats` and cited by `caveat_refs`; true: the full per-item shape (`source` rows and every caveat on each item)","title":"Verbose","type":"boolean"}},"required":["profile"],"title":"monday_briefArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/whats_due":{"post":{"operationId":"whats_due","summary":"Dated federal and state deadlines that apply to a US small business profile within a window (payroll deposits, returns, ","description":"Dated federal and state deadlines that apply to a US small business profile within a window (payroll deposits, returns, estimated tax, information returns, annual reports, LLC fees and, with new_hire_start_dates, state new-hire report dates), each with source, verification and caveats; Form I-9, trademark and resale certificate dates are not in this release (not_covered says so). Use for \"What deadlines do I have in the next 30 days as an S corporation with three employees who pays monthly payroll deposits\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"profile":{"additionalProperties":true,"description":"The owner's profile, an object (nothing is stored; unknown fields are refused). Required: \"state\" (2 letters, a US state or DC) and \"entity_type\" (sole_prop, llc, s_corp, c_corp or partnership). Optional: \"llc_taxed_as\" (sole_proprietor, partnership, s_corp or c_corp; needed for an LLC's federal income-tax dates), \"formation_date\" (YYYY-MM-DD, the date the entity was formed or registered; needed for state annual report dates), \"employees\" (whole number, default 0), \"deposit_schedule\" (monthly or semiweekly; needed for payroll deposit dates), \"pays_contractors\" (true if you file 1099-NEC or 1099-MISC), \"sells_online\" (true if you sell to customers in other states), \"imports_goods\" (true if you import goods), \"has_foreign_accounts\" (true if foreign financial accounts exceeded 10,000 US dollars in total), \"tax_year\" (whole number, default the year of on_date), \"hts_watch\" (up to 10 HTS numbers of 4, 6, 8 or 10 digits to watch), \"watch_agencies\" (up to 8 Federal Register agency names or slugs; default IRS, SBA and Labor), \"watch_cfr\" (up to 5 CFR references such as \"13 CFR 121\"), \"pays_by_ach\" (true if you send ACH payments, for Nacha rule dates), \"recall_watchlist\" (up to 10 product, brand or supplier business names, each up to 60 characters, no commas, no personal names: checked against the CPSC recalls of the look-back window). Example: {\"state\": \"TX\", \"entity_type\": \"llc\", \"llc_taxed_as\": \"sole_proprietor\", \"formation_date\": \"2021-03-01\", \"employees\": 3, \"deposit_schedule\": \"monthly\", \"pays_contractors\": true, \"sells_online\": true}","title":"Profile","type":"object"},"on_date":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"The date the answer is for, YYYY-MM-DD (default today, UTC); date_basis in the answer says which one was used","title":"On Date"},"horizon_days":{"default":30,"description":"Days ahead to list deadlines for, 1 to 366 (default 30)","maximum":366,"minimum":1,"title":"Horizon Days","type":"integer"},"new_hire_start_dates":{"anyOf":[{"items":{"type":"string"},"type":"array"},{"type":"null"}],"default":null,"description":"Start dates (YYYY-MM-DD) of employees hired recently, at most 50: each gets the state new-hire report date (dates only, no names)","title":"New Hire Start Dates"},"trademark_registration_dates":{"anyOf":[{"items":{"type":"string"},"type":"array"},{"type":"null"}],"default":null,"description":"Not in this release: still accepted so that existing callers do not break (at most 5 dates written YYYY-MM-DD); a value adds one not_covered row saying trademark maintenance deadlines are not in this release, and no deadline is computed","title":"Trademark Registration Dates"},"resale_certificates":{"anyOf":[{"items":{"additionalProperties":true,"type":"object"},"type":"array"},{"type":"null"}],"default":null,"description":"Not in this release: still accepted so that existing callers do not break (at most 20 objects such as {\"reference\": \"cust-0042\", \"received_on\": \"2025-03-10\", \"expires_on\": \"2026-10-15\", \"form\": \"streamlined\"}; reference is a short label, no names); a value adds one not_covered row saying resale certificate dates are not in this release, and no date is computed","title":"Resale Certificates"},"include_i9_dates":{"default":false,"description":"Not in this release: still accepted so that existing callers do not break; true adds one not_covered row saying Form I-9 Section 2 dates are not in this release, and no I-9 date is computed (default false)","title":"Include I9 Dates","type":"boolean"},"max_items":{"anyOf":[{"maximum":200,"minimum":1,"type":"integer"},{"type":"null"}],"default":null,"description":"Most items to return, 1 to 200 (default: no limit, every item in the window). Items are in date order and the LATER ones are left out first; how many were left out is in `omitted` and in the headline. The answer grows with the window and the optional lists (a 366-day window with every list can reach 80 KB of JSON): pass max_items, for example 12, when a host needs a bounded answer","title":"Max Items"},"verbose":{"default":false,"description":"false (default): compact answer (shape compact), sources listed once in `sources` and cited by `source_ids`, repeated caveats once in `common_caveats` and cited by `caveat_refs`; true: the full per-item shape (`source` rows and every caveat on each item)","title":"Verbose","type":"boolean"}},"required":["profile"],"title":"whats_dueArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/whats_changing":{"post":{"operationId":"whats_changing","summary":"Rule, rate and program changes for a US small business profile: minimum wage steps, Federal Register rule documents, tar","description":"Rule, rate and program changes for a US small business profile: minimum wage steps, Federal Register rule documents, tariff and HTS notices, sales tax nexus changes, state paid-leave premium dates, Nacha rule dates and, with profile.recall_watchlist, CPSC recalls that match the names you list, with effective dates and in-force status; disaster declarations, Texas local rate changes and CPSC eFiling dates are not in this release (not_covered says so). Use for \"What changed this week that touches my business, and what takes effect in the next 60 days\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"profile":{"additionalProperties":true,"description":"The owner's profile, an object (nothing is stored; unknown fields are refused). Required: \"state\" (2 letters, a US state or DC) and \"entity_type\" (sole_prop, llc, s_corp, c_corp or partnership). Optional: \"llc_taxed_as\" (sole_proprietor, partnership, s_corp or c_corp; needed for an LLC's federal income-tax dates), \"formation_date\" (YYYY-MM-DD, the date the entity was formed or registered; needed for state annual report dates), \"employees\" (whole number, default 0), \"deposit_schedule\" (monthly or semiweekly; needed for payroll deposit dates), \"pays_contractors\" (true if you file 1099-NEC or 1099-MISC), \"sells_online\" (true if you sell to customers in other states), \"imports_goods\" (true if you import goods), \"has_foreign_accounts\" (true if foreign financial accounts exceeded 10,000 US dollars in total), \"tax_year\" (whole number, default the year of on_date), \"hts_watch\" (up to 10 HTS numbers of 4, 6, 8 or 10 digits to watch), \"watch_agencies\" (up to 8 Federal Register agency names or slugs; default IRS, SBA and Labor), \"watch_cfr\" (up to 5 CFR references such as \"13 CFR 121\"), \"pays_by_ach\" (true if you send ACH payments, for Nacha rule dates), \"recall_watchlist\" (up to 10 product, brand or supplier business names, each up to 60 characters, no commas, no personal names: checked against the CPSC recalls of the look-back window). Example: {\"state\": \"TX\", \"entity_type\": \"llc\", \"llc_taxed_as\": \"sole_proprietor\", \"formation_date\": \"2021-03-01\", \"employees\": 3, \"deposit_schedule\": \"monthly\", \"pays_contractors\": true, \"sells_online\": true}","title":"Profile","type":"object"},"on_date":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"The date the answer is for, YYYY-MM-DD (default today, UTC); date_basis in the answer says which one was used","title":"On Date"},"horizon_days":{"default":60,"description":"Days ahead to look for scheduled changes, 1 to 120 (default 60)","maximum":120,"minimum":1,"title":"Horizon Days","type":"integer"},"lookback_days":{"default":7,"description":"Days back to look for newly published rules, notices and changes, 1 to 31 (default 7)","maximum":31,"minimum":1,"title":"Lookback Days","type":"integer"},"last_seen_hts_release":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Importers: the HTS release name you saw last time (for example 2026HTSRev19)","title":"Last Seen Hts Release"},"tariff_snapshot":{"anyOf":[{"additionalProperties":true,"type":"object"},{"type":"null"}],"default":null,"description":"Importers with profile.hts_watch: the tariff_next_state.snapshot object this tool returned last time, to see which watched HTS lines changed; nothing is stored, you keep it","title":"Tariff Snapshot"},"max_items":{"anyOf":[{"maximum":200,"minimum":1,"type":"integer"},{"type":"null"}],"default":null,"description":"Most items to return, 1 to 200 (default: no limit, every item in the window). Items are in date order and the LATER ones are left out first; how many were left out is in `omitted` and in the headline. The answer grows with the window and the optional lists (a 366-day window with every list can reach 80 KB of JSON): pass max_items, for example 12, when a host needs a bounded answer","title":"Max Items"},"verbose":{"default":false,"description":"false (default): compact answer (shape compact), sources listed once in `sources` and cited by `source_ids`, repeated caveats once in `common_caveats` and cited by `caveat_refs`; true: the full per-item shape (`source` rows and every caveat on each item)","title":"Verbose","type":"boolean"}},"required":["profile"],"title":"whats_changingArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/am_i_over_the_line":{"post":{"operationId":"am_i_over_the_line","summary":"Threshold scan from figures the owner supplies: sales tax economic nexus by state, 1099 reporting threshold by payee, es","description":"Threshold scan from figures the owner supplies: sales tax economic nexus by state, 1099 reporting threshold by payee, estimated-tax threshold and safe harbor, Texas franchise no-tax-due and California LLC fee brackets. Use for \"I sold 450000 dollars to California and 610000 to New York this year: am I over a sales tax nexus threshold anywhere\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"profile":{"additionalProperties":true,"description":"The owner's profile, an object (nothing is stored; unknown fields are refused). Required: \"state\" (2 letters, a US state or DC) and \"entity_type\" (sole_prop, llc, s_corp, c_corp or partnership). Optional: \"llc_taxed_as\" (sole_proprietor, partnership, s_corp or c_corp; needed for an LLC's federal income-tax dates), \"formation_date\" (YYYY-MM-DD, the date the entity was formed or registered; needed for state annual report dates), \"employees\" (whole number, default 0), \"deposit_schedule\" (monthly or semiweekly; needed for payroll deposit dates), \"pays_contractors\" (true if you file 1099-NEC or 1099-MISC), \"sells_online\" (true if you sell to customers in other states), \"imports_goods\" (true if you import goods), \"has_foreign_accounts\" (true if foreign financial accounts exceeded 10,000 US dollars in total), \"tax_year\" (whole number, default the year of on_date), \"hts_watch\" (up to 10 HTS numbers of 4, 6, 8 or 10 digits to watch), \"watch_agencies\" (up to 8 Federal Register agency names or slugs; default IRS, SBA and Labor), \"watch_cfr\" (up to 5 CFR references such as \"13 CFR 121\"), \"pays_by_ach\" (true if you send ACH payments, for Nacha rule dates), \"recall_watchlist\" (up to 10 product, brand or supplier business names, each up to 60 characters, no commas, no personal names: checked against the CPSC recalls of the look-back window). Example: {\"state\": \"TX\", \"entity_type\": \"llc\", \"llc_taxed_as\": \"sole_proprietor\", \"formation_date\": \"2021-03-01\", \"employees\": 3, \"deposit_schedule\": \"monthly\", \"pays_contractors\": true, \"sells_online\": true}","title":"Profile","type":"object"},"on_date":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"The date the answer is for, YYYY-MM-DD (default today, UTC); date_basis in the answer says which one was used","title":"On Date"},"sales_by_state":{"anyOf":[{"items":{"additionalProperties":true,"type":"object"},"type":"array"},{"type":"null"}],"default":null,"description":"Trailing sales by state as a list of {\"state\": \"CA\", \"sales\": \"450000.00\", \"transactions\": 200}; transactions is optional. Runs the economic nexus scan","title":"Sales By State"},"contractor_payments":{"anyOf":[{"items":{"additionalProperties":true,"type":"object"},"type":"array"},{"type":"null"}],"default":null,"description":"Payments to contractors this year as {\"payee\": \"label\", \"kind\": \"services\", \"amount\": \"1650.00\", \"paid_by\": \"ach\"} rows (payee_type optional); runs the 1099 threshold check per payee","title":"Contractor Payments"},"expected_balance_due":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Expected federal tax balance due for the year as a plain amount, to test the estimated-tax threshold","title":"Expected Balance Due"},"current_year_tax":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Expected total federal tax for the year as a plain amount, to compute the estimated-tax safe harbor","title":"Current Year Tax"},"prior_year_tax":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Prior-year total tax (give together with prior_year_agi), for the safe harbor","title":"Prior Year Tax"},"prior_year_agi":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Prior-year adjusted gross income (give together with prior_year_tax), for the safe harbor","title":"Prior Year Agi"},"withholding_and_credits":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Withholding and credits already counted toward the year, for the safe harbor","title":"Withholding And Credits"},"annualized_revenue":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Texas entities other than sole proprietors: annualized total revenue as a plain amount, for the franchise tax no-tax-due threshold. Not read for any other profile (refused when it is the only figure, named in not_run otherwise)","title":"Annualized Revenue"},"total_income":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"California LLCs: total income from all sources as a plain amount, for the LLC fee bracket. Not read for any other profile (refused when it is the only figure, named in not_run otherwise)","title":"Total Income"},"warn_percent":{"default":80,"description":"Share of a threshold at which a figure counts as approaching it, 1 to 99 (default 80)","maximum":99,"minimum":1,"title":"Warn Percent","type":"integer"},"verbose":{"default":false,"description":"false (default): compact answer (shape compact), sources listed once in `sources` and cited by `source_ids`, repeated caveats once in `common_caveats` and cited by `caveat_refs`; true: the full per-item shape (`source` rows and every caveat on each item)","title":"Verbose","type":"boolean"}},"required":["profile"],"title":"am_i_over_the_lineArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/first_hire_costs":{"post":{"operationId":"first_hire_costs","summary":"What a first employee triggers in a US state: the minimum wage, the state unemployment wage base and new-employer rate, ","description":"What a first employee triggers in a US state: the minimum wage, the state unemployment wage base and new-employer rate, the most state unemployment tax per employee, the Social Security wage base and rates, the new-hire report date and, for the states the paid-leave component covers, the paid family and medical leave premium program, with an optional wage-floor total (the Form I-9 Section 2 date is not in this release). Use for \"I am hiring my first employee in Ohio at 18 dollars an hour, 30 hours a week: what wage and payroll-tax figures apply\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"profile":{"additionalProperties":true,"description":"The owner's profile, an object (nothing is stored; unknown fields are refused). Required: \"state\" (2 letters, a US state or DC) and \"entity_type\" (sole_prop, llc, s_corp, c_corp or partnership). Optional: \"llc_taxed_as\" (sole_proprietor, partnership, s_corp or c_corp; needed for an LLC's federal income-tax dates), \"formation_date\" (YYYY-MM-DD, the date the entity was formed or registered; needed for state annual report dates), \"employees\" (whole number, default 0), \"deposit_schedule\" (monthly or semiweekly; needed for payroll deposit dates), \"pays_contractors\" (true if you file 1099-NEC or 1099-MISC), \"sells_online\" (true if you sell to customers in other states), \"imports_goods\" (true if you import goods), \"has_foreign_accounts\" (true if foreign financial accounts exceeded 10,000 US dollars in total), \"tax_year\" (whole number, default the year of on_date), \"hts_watch\" (up to 10 HTS numbers of 4, 6, 8 or 10 digits to watch), \"watch_agencies\" (up to 8 Federal Register agency names or slugs; default IRS, SBA and Labor), \"watch_cfr\" (up to 5 CFR references such as \"13 CFR 121\"), \"pays_by_ach\" (true if you send ACH payments, for Nacha rule dates), \"recall_watchlist\" (up to 10 product, brand or supplier business names, each up to 60 characters, no commas, no personal names: checked against the CPSC recalls of the look-back window). Example: {\"state\": \"TX\", \"entity_type\": \"llc\", \"llc_taxed_as\": \"sole_proprietor\", \"formation_date\": \"2021-03-01\", \"employees\": 3, \"deposit_schedule\": \"monthly\", \"pays_contractors\": true, \"sells_online\": true}","title":"Profile","type":"object"},"on_date":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"The date the answer is for, YYYY-MM-DD (default today, UTC); date_basis in the answer says which one was used","title":"On Date"},"hourly_rate":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Planned hourly pay as a plain amount, to compare with the minimum wage","title":"Hourly Rate"},"weekly_hours":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Planned weekly hours as a plain number, for the total wages at the minimum","title":"Weekly Hours"},"headcount":{"default":1,"description":"Number of employees for the wage-floor total (default 1)","maximum":1000,"minimum":1,"title":"Headcount","type":"integer"},"weeks_per_year":{"default":52,"description":"Weeks paid in the year for the wage-floor total (default 52)","maximum":52,"minimum":1,"title":"Weeks Per Year","type":"integer"},"variant":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Minimum wage variant for states with several rates (for example a size or region variant), when the answer says needs_variant","title":"Variant"},"hire_start_date":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"The planned or actual start date (YYYY-MM-DD) of the new employee, to get the state new-hire report date (the Form I-9 Section 2 date is not in this release: a not_covered row says so)","title":"Hire Start Date"},"detail":{"default":"summary","description":"summary (default): the compact answer without the answer-level caveat texts of the component calls (they are named in `component_caveats_omitted`); about 7 to 12 KB, 10.6 KB for Ohio with a start date, a rate and hours; full: the compact answer with those texts, about 10 to 17 KB (14.5 KB for the same Ohio call); verbose=true gives the full per-item shape (about 15 to 24 KB) whatever detail says","enum":["summary","full"],"title":"Detail","type":"string"},"verbose":{"default":false,"description":"false (default): compact answer (shape compact), sources listed once in `sources` and cited by `source_ids`, repeated caveats once in `common_caveats` and cited by `caveat_refs`; true: the full per-item shape (`source` rows and every caveat on each item)","title":"Verbose","type":"boolean"}},"required":["profile"],"title":"first_hire_costsArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/vendor_check":{"post":{"operationId":"vendor_check","summary":"Before paying a new vendor or accepting a resale certificate: EIN layout, routing number check digit, W-9 and name consi","description":"Before paying a new vendor or accepting a resale certificate: EIN layout, routing number check digit, W-9 and name consistency, plus open state registry, FDIC bank status and CFPB complaint volume look-ups where a source exists (contractor licences, the Texas sales tax permit listing, the New York Contractor Registry and workers' compensation lists are not in this release). A search hit is a potential match that needs human review. Use for \"Check a new vendor before I pay them: EIN layout, bank routing number, and whether the business shows up in a state registry\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"vendor_name":{"description":"The vendor's business name as it appears on the invoice or W-9","title":"Vendor Name","type":"string"},"on_date":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"The date the answer is for, YYYY-MM-DD (default today, UTC); date_basis in the answer says which one was used","title":"On Date"},"tin":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"The vendor's EIN as given on the W-9 (layout check only)","title":"Tin"},"routing_number":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"The bank routing number to pay into (check digit test only)","title":"Routing Number"},"w9_name":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Name on the W-9, to compare with the other name","title":"W9 Name"},"account_holder_name":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Account holder name on the bank details, to compare with the W-9 name","title":"Account Holder Name"},"w9_received":{"anyOf":[{"type":"boolean"},{"type":"null"}],"default":null,"description":"True if a W-9 is on file","title":"W9 Received"},"w9_signed_and_dated":{"anyOf":[{"type":"boolean"},{"type":"null"}],"default":null,"description":"True if the W-9 is signed and dated","title":"W9 Signed And Dated"},"payee_type":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Payee type as us-payee-check names it, for example sole_proprietor or llc_partnership_or_disregarded","title":"Payee Type"},"payment_year":{"anyOf":[{"maximum":2100,"minimum":2020,"type":"integer"},{"type":"null"}],"default":null,"description":"Year of payment, to test the 1099 threshold","title":"Payment Year"},"expected_annual_spend":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Expected payments to this vendor in the year as a plain amount","title":"Expected Annual Spend"},"payment_kind":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Kind of payment, for example services or rents","title":"Payment Kind"},"paid_by":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"How you pay: ach, check, card and so on (card payments are reported by the processor)","title":"Paid By"},"registry_states":{"anyOf":[{"items":{"type":"string"},"type":"array"},{"type":"null"}],"default":null,"description":"States to search in open registries: CO, CT, NY or OR (default all four)","title":"Registry States"},"contractor_sources":{"anyOf":[{"items":{"type":"string"},"type":"array"},{"type":"null"}],"default":null,"description":"Not in this release: still accepted (OR, NY or AUSTIN) so that existing callers do not break; a value adds one not_covered row (contractor licence search) and nothing is searched or repeated","title":"Contractor Sources"},"texas_taxpayer_number":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Not in this release: still accepted so that existing callers do not break; a value adds one not_covered row (Texas sales tax permit listing) and nothing is searched or repeated","title":"Texas Taxpayer Number"},"expected_naics_prefix":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Not in this release: still accepted so that existing callers do not break; a value adds one not_covered row (Texas sales tax permit listing) and nothing is compared or repeated","title":"Expected Naics Prefix"},"licence_cities":{"anyOf":[{"items":{"type":"string"},"type":"array"},{"type":"null"}],"default":null,"description":"Paused: city business licence look-up is paused pending re-verification; a value here adds a not_covered line and nothing is searched (default none)","title":"Licence Cities"},"check_federal_awards":{"default":false,"description":"True to also search USAspending for federal award recipients with a similar name (live lookup; default false)","title":"Check Federal Awards","type":"boolean"},"bank_name":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"The vendor's bank as named on the payment details: checks that it is an active FDIC-insured institution (name only; no account data)","title":"Bank Name"},"bank_cert":{"anyOf":[{"minimum":1,"type":"integer"},{"type":"null"}],"default":null,"description":"The bank's FDIC certificate number, when known (used instead of bank_name)","title":"Bank Cert"},"complaint_company":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"A bank, lender or payment company to look up by CFPB complaint volume (company-level aggregates only)","title":"Complaint Company"},"ny_certificate_number":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Not in this release: still accepted so that existing callers do not break; a value adds one not_covered row (New York Contractor Registry) and nothing is searched or repeated","title":"Ny Certificate Number"},"check_ny_contractor_by_name":{"default":false,"description":"Not in this release: still accepted so that existing callers do not break; true adds one not_covered row (New York Contractor Registry) and nothing is searched (default false)","title":"Check Ny Contractor By Name","type":"boolean"},"workers_comp_state":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Not in this release: still accepted (TX or OR) so that existing callers do not break; a value adds one not_covered row (workers' compensation coverage lists) and nothing is searched","title":"Workers Comp State"},"verbose":{"default":false,"description":"false (default): compact answer (shape compact), sources listed once in `sources` and cited by `source_ids`, repeated caveats once in `common_caveats` and cited by `caveat_refs`; true: the full per-item shape (`source` rows and every caveat on each item)","title":"Verbose","type":"boolean"}},"required":["vendor_name"],"title":"vendor_checkArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/sell_in_states":{"post":{"operationId":"sell_in_states","summary":"For each state a seller ships to: the economic nexus threshold and test, the position against the seller's own sales fig","description":"For each state a seller ships to: the economic nexus threshold and test, the position against the seller's own sales figures and, for a Washington address, the combined sales tax rate; state base rates, California address rates, resale certificate forms and Colorado city rates are not in this release (not_covered says so). Use for \"We ship to Washington and Oregon customers now: what are the nexus thresholds, and the sales tax rate for this Washington address\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"destinations":{"description":"States you ship to, as {\"state\": \"WA\", \"trailing_sales\": \"120000\", \"transactions\": 40, \"address\": \"6500 Linderson Way\", \"city\": \"Tumwater\", \"zip\": \"98501\", \"subtotal\": \"249.99\"}; only state is required. Sales figures give the position against the threshold; a Washington address and zip give the combined sales tax rate there. Not in this release (each answers one not_covered row, nothing is looked up): state base rates, California address rates, resale_certificate true and a Colorado city","items":{"additionalProperties":true,"type":"object"},"maxItems":20,"minItems":1,"title":"Destinations","type":"array"},"warn_percent":{"default":80,"description":"Share of a threshold at which sales count as approaching it, 1 to 99 (default 80)","maximum":99,"minimum":1,"title":"Warn Percent","type":"integer"},"on_date":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"The date the answer is for, YYYY-MM-DD (default today, UTC); date_basis in the answer says which one was used","title":"On Date"},"verbose":{"default":false,"description":"false (default): compact answer (shape compact), sources listed once in `sources` and cited by `source_ids`, repeated caveats once in `common_caveats` and cited by `caveat_refs`; true: the full per-item shape (`source` rows and every caveat on each item)","title":"Verbose","type":"boolean"}},"required":["destinations"],"title":"sell_in_statesArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/funding_check":{"post":{"operationId":"funding_check","summary":"Funding and size checks for a US small business: the SBA size standard for a NAICS code and a test against your receipts","description":"Funding and size checks for a US small business: the SBA size standard for a NAICS code and a test against your receipts or headcount, the published SBA 7(a) guaranty, interest cap and maximum loan for a loan amount with the FY2027 fee notice status, and federal grant listings open to small businesses that close soon (SBA disaster notices are not in this release). Use for \"Am I a small business for a NAICS 541511 firm with 1.8 million dollars of receipts, and what are the SBA 7(a) terms for a 300000 dollar loan\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"profile":{"additionalProperties":true,"description":"The owner's profile, an object (nothing is stored; unknown fields are refused). Required: \"state\" (2 letters, a US state or DC) and \"entity_type\" (sole_prop, llc, s_corp, c_corp or partnership). Optional: \"llc_taxed_as\" (sole_proprietor, partnership, s_corp or c_corp; needed for an LLC's federal income-tax dates), \"formation_date\" (YYYY-MM-DD, the date the entity was formed or registered; needed for state annual report dates), \"employees\" (whole number, default 0), \"deposit_schedule\" (monthly or semiweekly; needed for payroll deposit dates), \"pays_contractors\" (true if you file 1099-NEC or 1099-MISC), \"sells_online\" (true if you sell to customers in other states), \"imports_goods\" (true if you import goods), \"has_foreign_accounts\" (true if foreign financial accounts exceeded 10,000 US dollars in total), \"tax_year\" (whole number, default the year of on_date), \"hts_watch\" (up to 10 HTS numbers of 4, 6, 8 or 10 digits to watch), \"watch_agencies\" (up to 8 Federal Register agency names or slugs; default IRS, SBA and Labor), \"watch_cfr\" (up to 5 CFR references such as \"13 CFR 121\"), \"pays_by_ach\" (true if you send ACH payments, for Nacha rule dates), \"recall_watchlist\" (up to 10 product, brand or supplier business names, each up to 60 characters, no commas, no personal names: checked against the CPSC recalls of the look-back window). Example: {\"state\": \"TX\", \"entity_type\": \"llc\", \"llc_taxed_as\": \"sole_proprietor\", \"formation_date\": \"2021-03-01\", \"employees\": 3, \"deposit_schedule\": \"monthly\", \"pays_contractors\": true, \"sells_online\": true}","title":"Profile","type":"object"},"on_date":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"The date the answer is for, YYYY-MM-DD (default today, UTC); date_basis in the answer says which one was used","title":"On Date"},"naics":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Your NAICS code (2 to 6 digits): looks up the SBA size standard and, with receipts or employees, tests against it","title":"Naics"},"average_annual_receipts":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Average annual receipts as a plain amount, for the receipts-based size test","title":"Average Annual Receipts"},"employee_count":{"anyOf":[{"maximum":1000000,"minimum":0,"type":"integer"},{"type":"null"}],"default":null,"description":"Average number of employees, for the employee-based size test","title":"Employee Count"},"loan_amount":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"A loan amount as a plain number, for the SBA 7(a) guaranty, interest cap and maximum loan rows and the fee notice status","title":"Loan Amount"},"grant_keyword":{"anyOf":[{"maxLength":80,"type":"string"},{"type":"null"}],"default":null,"description":"A keyword to search federal grant opportunities that are open to small businesses and close soon (optional)","title":"Grant Keyword"},"grant_window_days":{"default":30,"description":"Days ahead in which a listing must close, 1 to 120 (default 30)","maximum":120,"minimum":1,"title":"Grant Window Days","type":"integer"},"verbose":{"default":false,"description":"false (default): compact answer (shape compact), sources listed once in `sources` and cited by `source_ids`, repeated caveats once in `common_caveats` and cited by `caveat_refs`; true: the full per-item shape (`source` rows and every caveat on each item)","title":"Verbose","type":"boolean"}},"required":["profile"],"title":"funding_checkArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/late_deposit_cost":{"post":{"operationId":"late_deposit_cost","summary":"What a late federal payroll tax deposit costs under the failure-to-deposit rule: the penalty tier and amount for the day","description":"What a late federal payroll tax deposit costs under the failure-to-deposit rule: the penalty tier and amount for the days late, the date the next tier starts, and the IRS underpayment interest rate for the quarter (interest itself is not calculated). Use for \"We deposited 5000 dollars of payroll tax 14 days after the due date of 15 September: what is the failure-to-deposit penalty and when does the next tier start\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"unpaid_amount":{"description":"The payroll tax deposit amount that was not deposited on time, as a plain amount (for example 5000.00)","title":"Unpaid Amount","type":"string"},"due_date":{"description":"The date the deposit was due, YYYY-MM-DD (taxcal_deposit_due_date gives it)","title":"Due Date","type":"string"},"on_date":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"The date the answer is for, YYYY-MM-DD (default today, UTC); date_basis in the answer says which one was used","title":"On Date"},"paid_date":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"The date the deposit was finally made, YYYY-MM-DD; leave out while it is still unpaid","title":"Paid Date"},"first_notice_date":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Date of the first IRS notice, YYYY-MM-DD, when you received one (it can move the top tier)","title":"First Notice Date"},"immediate_payment_notice_date":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Date of an IRS notice demanding immediate payment, YYYY-MM-DD, when you received one","title":"Immediate Payment Notice Date"},"verbose":{"default":false,"description":"false (default): compact answer (shape compact), sources listed once in `sources` and cited by `source_ids`, repeated caveats once in `common_caveats` and cited by `caveat_refs`; true: the full per-item shape (`source` rows and every caveat on each item)","title":"Verbose","type":"boolean"}},"required":["unpaid_amount","due_date"],"title":"late_deposit_costArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/taxcal_deposit_due_date":{"post":{"operationId":"taxcal_deposit_due_date","summary":"Monthly, semiweekly or $100,000 next-day payroll tax deposit due date for a payment date, with the semiweekly extra-day ","description":"Monthly, semiweekly or $100,000 next-day payroll tax deposit due date for a payment date, with the semiweekly extra-day holiday rule. Use for \"We paid wages on Tuesday, November 10, 2026 and deposit semiweekly: when is the payroll tax deposit due?\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"payment_date":{"description":"Date the wages were paid, or for next_day the day the $100,000 of tax accumulated, as YYYY-MM-DD","title":"Payment Date","type":"string"},"schedule":{"description":"monthly, semiweekly or next_day (the $100,000 next-business-day rule)","title":"Schedule","type":"string"}},"required":["payment_date","schedule"],"title":"deposit_due_dateArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/taxcal_estimated_tax_dates":{"post":{"operationId":"taxcal_estimated_tax_dates","summary":"The four estimated tax payment dates for a tax year with the period each covers, shifted for weekends and holidays. Use ","description":"The four estimated tax payment dates for a tax year with the period each covers, shifted for weekends and holidays. Use for \"When are my 2026 estimated tax payments due and which months does each one cover?\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"tax_year":{"description":"Calendar tax year (2026 or 2027); the last payment falls in January of the next year","title":"Tax Year","type":"integer"},"taxpayer":{"default":"individual","description":"individual (sole proprietors, partners, S corporation shareholders) or corporation (calendar-year corporations)","title":"Taxpayer","type":"string"}},"required":["tax_year"],"title":"estimated_tax_datesArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/limits_get_limit":{"post":{"operationId":"limits_get_limit","summary":"Value of a named limit for a tax year or a date, with its source, as-of date, effective dates and verification level. Us","description":"Value of a named limit for a tax year or a date, with its source, as-of date, effective dates and verification level. Use for \"What is the 2026 standard deduction for head of household?\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"limit":{"description":"Limit id such as standard_deduction_hoh, section_179_max_expense, ss_wage_base or mileage_business (an unknown id returns an error listing the valid ids)","title":"Limit","type":"string"},"tax_year":{"anyOf":[{"type":"integer"},{"type":"null"}],"default":null,"description":"Tax year (2024 to 2026, depending on the limit); default the year of on_date, else 2026","title":"Tax Year"},"on_date":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"A date as YYYY-MM-DD to pick the value in effect that day (needed for limits that change mid-year, such as mileage)","title":"On Date"}},"required":["limit"],"title":"get_limitArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/form1099_check_1099_required":{"post":{"operationId":"form1099_check_1099_required","summary":"Test one payee's payments for the year against the 1099-NEC/MISC threshold in force for that payment year ($600 through ","description":"Test one payee's payments for the year against the 1099-NEC/MISC threshold in force for that payment year ($600 through 2025, $2,000 from 2026), with the corporation exception and the card and payment-network carve-out. Use for \"I paid a freelance designer $1,850 by ACH and $400 by check in 2026: do I need to send a 1099-NEC?\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"payment_year":{"description":"Calendar year in which the payments were made (2025 or 2026)","title":"Payment Year","type":"integer"},"payments":{"description":"Payments made to ONE payee in that year: objects with kind (services, attorney_fees, rents, prizes_awards, other_income, medical_health_care, royalties), amount (plain US-dollar string such as 1850.00) and optional paid_by (check, ach, cash, payment_card, third_party_network, other)","items":{"additionalProperties":true,"type":"object"},"title":"Payments","type":"array"},"payee_type":{"default":"unknown","description":"Payee's tax classification as shown on its W-9: individual, sole_proprietor, partnership, llc_partnership_or_disregarded, corporation (C or S, including an LLC taxed as a corporation) or unknown","title":"Payee Type","type":"string"}},"required":["payment_year","payments"],"title":"check_1099_requiredArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/minwage_get_minimum_wage":{"post":{"operationId":"minwage_get_minimum_wage","summary":"Return the general hourly minimum wage for a US state, DC, territory or covered city (Seattle, San Francisco, Los Angele","description":"Return the general hourly minimum wage for a US state, DC, territory or covered city (Seattle, San Francisco, Los Angeles) on a date, with the federal floor, variants and scheduled changes. Use for \"What is the minimum wage in Seattle today, and what is it on January 1, 2027?\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"location":{"description":"US state (WA or Washington), DC, a territory (PR, GU, VI, MP) or a covered city: Seattle, San Francisco, Los Angeles. Write 'Louisiana' or 'Los Angeles' in full: the bare abbreviation LA is rejected as ambiguous.","title":"Location","type":"string"},"on_date":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Date as YYYY-MM-DD, between 2026-07-01 and 2027-12-31. Defaults to today (UTC); changes take effect at local midnight, so pass the date explicitly near a change.","title":"On Date"},"variant":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Only for locations with several rates: the option id shown by regional_rules (for example nyc_nassau_suffolk_westchester or rest_of_state for NY). Leave out to get every option.","title":"Variant"}},"required":["location"],"title":"get_minimum_wageArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/minwage_check_pay_rate":{"post":{"operationId":"minwage_check_pay_rate","summary":"Compare a proposed hourly rate with the minimum that applies in a location on a date and return the shortfall per hour, ","description":"Compare a proposed hourly rate with the minimum that applies in a location on a date and return the shortfall per hour, if any. Use for \"I pay $15.50 an hour in Florida: is that above the minimum after September 30?\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"location":{"description":"US state (WA or Washington), DC, a territory (PR, GU, VI, MP) or a covered city: Seattle, San Francisco, Los Angeles. Write 'Louisiana' or 'Los Angeles' in full: the bare abbreviation LA is rejected as ambiguous.","title":"Location","type":"string"},"hourly_rate":{"anyOf":[{"type":"string"},{"type":"integer"},{"type":"number"}],"description":"Proposed hourly pay as a plain decimal such as 15.50 (digits and one point, at most 4 decimals; no currency symbol, no thousands separator)","title":"Hourly Rate"},"on_date":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Date as YYYY-MM-DD, between 2026-07-01 and 2027-12-31. Defaults to today (UTC); changes take effect at local midnight, so pass the date explicitly near a change.","title":"On Date"},"variant":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Only for locations with several rates: the option id shown by regional_rules (for example nyc_nassau_suffolk_westchester or rest_of_state for NY). Leave out to get every option.","title":"Variant"}},"required":["location","hourly_rate"],"title":"check_pay_rateArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/suta_estimate_suta":{"post":{"operationId":"suta_estimate_suta","summary":"Estimate a new employer's annual state unemployment tax from a list of employee annual wages: taxable wages per employee","description":"Estimate a new employer's annual state unemployment tax from a list of employee annual wages: taxable wages per employee up to the wage base times the new-employer rate. Use for \"I'm hiring four people in Ohio paying 52,000, 38,000, 9,500 and 4,200 a year: roughly what state unemployment tax will I owe as a new employer?\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"state":{"description":"US state, DC, PR or VI as a two-letter code or full name, for example TX or Texas. LA means Louisiana.","title":"State","type":"string"},"wages":{"description":"Annual wages paid to each employee in the calendar year, one entry per employee, as plain decimals (digits and at most one point, up to 2 decimals; no currency symbol or thousands separator). 1 to 500 employees.","items":{"anyOf":[{"type":"string"},{"type":"integer"},{"type":"number"}]},"title":"Wages","type":"array"},"tier":{"default":"standard","description":"For Michigan, Nebraska and Rhode Island only: 'standard' (default) or 'higher' (the wage base the state applies to delinquent or high-tax-group employers). Ignored for other states.","title":"Tier","type":"string"},"rate_percent":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Optional rate in percent to use instead of the table (needed for industry-average states and the West Virginia conflict), for example 3.1. Between 0 and 20.","title":"Rate Percent"},"on_date":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Date as YYYY-MM-DD within 2026 (the dataset covers calendar year 2026). Defaults to today (UTC); Nevada changes in July, so pass the date explicitly near a change.","title":"On Date"}},"required":["state","wages"],"title":"estimate_sutaArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/nexus_check_state_nexus":{"post":{"operationId":"nexus_check_state_nexus","summary":"Compare trailing sales and transaction count with one state's economic nexus threshold: crossed, at threshold, approachi","description":"Compare trailing sales and transaction count with one state's economic nexus threshold: crossed, at threshold, approaching, cannot determine or not crossed, with the test, measurement period and source. Use for \"I sold $520,000 to California customers over the last 12 months: have I crossed the threshold there?\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"state":{"description":"US state name or two-letter code (DC included), for example CA or California","title":"State","type":"string"},"trailing_sales":{"anyOf":[{"type":"string"},{"type":"integer"},{"type":"number"}],"description":"Gross sales into the state over the state's measurement period, as a plain decimal such as 520000.00 (digits and one point; no currency symbol, no thousands separator)","title":"Trailing Sales"},"transactions":{"anyOf":[{"type":"integer"},{"type":"null"}],"default":null,"description":"Number of separate sales into the state over the same period; needed only for states with a transaction test","title":"Transactions"},"warn_percent":{"default":80,"description":"Report 'approaching' from this share of the threshold, 1 to 99","title":"Warn Percent","type":"integer"}},"required":["state","trailing_sales"],"title":"check_state_nexusArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/annualrpt_next_due":{"post":{"operationId":"annualrpt_next_due","summary":"Return the next state filing deadline (annual report, franchise tax, LLC tax or biennial statement) for an entity from i","description":"Return the next state filing deadline (annual report, franchise tax, LLC tax or biennial statement) for an entity from its formation date, with the rule behind it. Use for \"My Florida LLC was formed on 5 March 2024. When is its next annual report due?\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"state":{"description":"State code: FL, TX, DE, CA or NY (or the full name).","title":"State","type":"string"},"entity_type":{"description":"llc, corporation, lp (limited partnership; FL also LLLP), nonprofit_corporation (FL) or foreign_corporation (DE). Not every type exists in every state.","title":"Entity Type","type":"string"},"formation_date":{"description":"Date the entity was formed or registered in that state, YYYY-MM-DD (for California, the date the articles were filed with the Secretary of State).","title":"Formation Date","type":"string"},"on_date":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Reference date as YYYY-MM-DD between 2026-01-01 and 2028-12-31. Defaults to today (UTC).","title":"On Date"},"fiscal_year_end_month":{"anyOf":[{"type":"integer"},{"type":"null"}],"default":12,"description":"California LLC only: month the tax year ends, 1 to 12. Default 12 (calendar year).","title":"Fiscal Year End Month"}},"required":["state","entity_type","formation_date"],"title":"next_dueArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/annualrpt_fees_for_entity":{"post":{"operationId":"annualrpt_fees_for_entity","summary":"Return the verified filing fee, tax amount and related amounts for an entity type in a state, each with its verification","description":"Return the verified filing fee, tax amount and related amounts for an entity type in a state, each with its verification level. Use for \"What does the Florida annual report cost for an LLC, and what does New York charge for the biennial statement?\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"state":{"description":"State code: FL, TX, DE, CA or NY (or the full name).","title":"State","type":"string"},"entity_type":{"description":"llc, corporation, lp (limited partnership; FL also LLLP), nonprofit_corporation (FL) or foreign_corporation (DE). Not every type exists in every state.","title":"Entity Type","type":"string"}},"required":["state","entity_type"],"title":"fees_for_entityArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/reports_check_boi_duty":{"post":{"operationId":"reports_check_boi_duty","summary":"Whether the FinCEN BOI reporting rule covers a company formed in the US or abroad, and the deadline for a foreign compan","description":"Whether the FinCEN BOI reporting rule covers a company formed in the US or abroad, and the deadline for a foreign company. Use for \"I formed my LLC in Delaware, does the BOI reporting rule still cover it?\" or \"What is the BOI deadline for a UK company registered in Texas on 2026-09-10?\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"formed_under":{"description":"Where the company was formed: 'us' (created under the law of a US state or tribal jurisdiction) or 'foreign' (formed under the law of another country)","enum":["us","foreign"],"title":"Formed Under","type":"string"},"registered_in_us":{"default":false,"description":"For a foreign company: whether it has registered to do business in any US state or tribal jurisdiction","title":"Registered In Us","type":"boolean"},"registration_date":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"For a foreign company registered in the US: the date the registration became effective, YYYY-MM-DD","title":"Registration Date"},"on_date":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Date to evaluate the rule for, written YYYY-MM-DD. Default: today (UTC).","title":"On Date"}},"required":["formed_under"],"title":"check_boi_dutyArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/reports_check_fbar_duty":{"post":{"operationId":"reports_check_fbar_duty","summary":"Whether foreign financial accounts above the $10,000 aggregate threshold meet the FBAR rule for a calendar year, with th","description":"Whether foreign financial accounts above the $10,000 aggregate threshold meet the FBAR rule for a calendar year, with the due dates. Use for \"I had about $12,500 across two foreign bank accounts in 2025, does the FBAR threshold apply?\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"max_aggregate_value_usd":{"description":"Highest aggregate value of all foreign financial accounts at any time in the calendar year, in US dollars, as a plain decimal such as 12500 or 12500.50","title":"Max Aggregate Value Usd","type":"string"},"is_us_person":{"description":"Whether the filer is a US person (citizen, resident, corporation, partnership, LLC, trust or estate)","title":"Is Us Person","type":"boolean"},"has_interest_or_signature_authority":{"description":"Whether the filer has a financial interest in, or signature authority over, the foreign accounts","title":"Has Interest Or Signature Authority","type":"boolean"},"calendar_year":{"description":"The calendar year the accounts are reported for (the report year), for example 2025","maximum":2100,"minimum":2019,"title":"Calendar Year","type":"integer"},"on_date":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Date to evaluate the rule for, written YYYY-MM-DD. Default: today (UTC).","title":"On Date"}},"required":["max_aggregate_value_usd","is_us_person","has_interest_or_signature_authority","calendar_year"],"title":"check_fbar_dutyArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/reports_check_form_8300":{"post":{"operationId":"reports_check_form_8300","summary":"Whether cash received in a trade or business, alone or with related payments, exceeds the $10,000 Form 8300 threshold. U","description":"Whether cash received in a trade or business, alone or with related payments, exceeds the $10,000 Form 8300 threshold. Use for \"A customer paid $6,000 in cash today and $5,500 yesterday, does the Form 8300 threshold apply?\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"amount_usd":{"description":"Amount of this receipt in US dollars, as a plain decimal such as 6000 or 6000.50","title":"Amount Usd","type":"string"},"related_amounts_usd":{"anyOf":[{"items":{"type":"string"},"type":"array"},{"type":"null"}],"default":null,"description":"Amounts in US dollars of other payments from the same buyer that are related to this one (same 24-hour period, a known series, or the 12-month aggregation described in IRS Publication 1544)","title":"Related Amounts Usd"},"form_of_payment":{"default":"currency","description":"'currency' (coins and currency), 'monetary_instrument' (cashier's check, bank draft, traveler's check or money order) or 'other_non_cash' (personal check, card, wire and so on); applies to every amount given","enum":["currency","monetary_instrument","other_non_cash"],"title":"Form Of Payment","type":"string"},"designated_reporting_or_evasion":{"default":false,"description":"For monetary instruments only: true if received in a designated reporting transaction or where the recipient knows the payer is trying to avoid the report (see IRS Publication 1544)","title":"Designated Reporting Or Evasion","type":"boolean"},"in_trade_or_business":{"default":true,"description":"Whether the payment was received in the course of a trade or business","title":"In Trade Or Business","type":"boolean"},"information_returns_per_year":{"anyOf":[{"minimum":0,"type":"integer"},{"type":"null"}],"default":null,"description":"Optional: how many information returns (Forms 1099, W-2 and similar) the business files a year, to show the e-filing rule","title":"Information Returns Per Year"}},"required":["amount_usd"],"title":"check_form_8300Arguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/newhire_due_date":{"post":{"operationId":"newhire_due_date","summary":"Last day to report a new hire: Texas 20 calendar days from the date the employee starts earning wages; other states get ","description":"Last day to report a new hire: Texas 20 calendar days from the date the employee starts earning wages; other states get the federal 20-day outer limit and a flag that the state deadline is not verified. Use for \"An employee starts earning wages in Texas on 1 September 2026: what is the last day to report the new hire?\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"state":{"description":"US state as a two-letter code or full name, for example TX or Texas. Fifty states and DC are accepted; only Texas has a verified state deadline.","title":"State","type":"string"},"start_date":{"description":"The date the employee starts earning wages (the hire date) as YYYY-MM-DD, between 2000 and 2100, for example 2026-09-01.","title":"Start Date","type":"string"}},"required":["state","start_date"],"title":"due_dateArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/bizday_next_business_day":{"post":{"operationId":"bizday_next_business_day","summary":"Find the next business day after a date under a named calendar, listing the weekend and holiday days skipped. Use for \"I","description":"Find the next business day after a date under a named calendar, listing the weekend and holiday days skipped. Use for \"If I send a payment on Thursday 2 July 2026, which is the next Federal Reserve business day, and which is it on the federal calendar?\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"calendar":{"description":"Calendar: opm_federal (days off of most federal employees, OPM) or fed_reserve (days the Federal Reserve Banks and Branches are closed). The two differ and are never merged; aliases federal, opm, fed, bank are accepted","title":"Calendar","type":"string"},"from_date":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Start date YYYY-MM-DD (2026-01-01 to 2030-12-31); defaults to today (UTC) and the answer says which date was used","title":"From Date"},"inclusive":{"default":false,"description":"true: return from_date itself when it is a business day (the 'on or after' rule used to move a due date); false (default): the first business day strictly after from_date","title":"Inclusive","type":"boolean"}},"required":["calendar"],"title":"next_business_dayArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/ach_same_day_limit_check":{"post":{"operationId":"ach_same_day_limit_check","summary":"Check an amount against the Nacha Same Day ACH per-entry limit that applies on a date ($1 million until 2027-09-16, $10 ","description":"Check an amount against the Nacha Same Day ACH per-entry limit that applies on a date ($1 million until 2027-09-16, $10 million from 2027-09-17). Use for \"Can I send a $2,500,000 Same Day ACH payment today, and when does the limit change?\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"amount":{"description":"Amount of one entry in US dollars as a decimal string (for example 2500000.00; commas allowed)","title":"Amount","type":"string"},"on_date":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"Calendar date YYYY-MM-DD the answer is stated for; defaults to today (UTC) and the answer says which date was used","title":"On Date"}},"required":["amount"],"title":"same_day_limit_checkArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}}}}