{"id":258756,"recorded_at":"2026-10-26T15:59:28.684555Z","observed_at":"2026-10-26T15:59:28.684489Z","subject_kind":"endpoint","subject":"c7fe13d8-2ef0-443c-aa19-2ed11b65e7fc","kind":"mcp.tools","method":"probe.mcp/1","body":{"count":2,"tools":[{"description":"Get full detail on one specific business checking listing, including gotcha fees (business_deposit_fees, e.g. overdraft, NSF, dormancy) and feature narrative (business_deposit_account_features) not returned by query_business_checking's broad list results. Fees/features that apply to only one plan tier (e.g. a Standard/Plus/Premier ladder) are nested under that tier in plan_tiers[].fees / plan_tiers[].features; tier-agnostic ones are in the top-level general_fees / general_features. Use this as a follow-up after query_business_checking to dig deeper on one listing the caller already identified by its listing_slug. Each result's application_url is a tracked Bancadia link: give it to the user exactly as returned, including its query string.","inputSchema":{"additionalProperties":false,"properties":{"listing_slug":{"description":"The listing's stable public identifier, as returned in query_business_checking results (e.g. 'found-business-checking'). Do not use an internal database id.","type":"string"}},"required":["listing_slug"],"type":"object"},"name":"get_business_checking_listing"},{"description":"Query the Bancadia registry for business checking account products using compound filter criteria. Returns active, verified listings from financial institutions. Optionally accepts target_industries/target_business_profiles to soft-rank results toward listings built for a given business type or stage — non-matching but eligible listings are still returned, just ranked lower. Each result's application_url is a tracked Bancadia link: give it to the user exactly as returned, including its query string.","inputSchema":{"additionalProperties":false,"properties":{"accounting_integration_available":{"description":"Whether the account connects to any accounting software (e.g. QuickBooks, Xero)","type":"boolean"},"apy_min":{"description":"Only return accounts whose best available rate (apy_max) is at least this value, as a decimal (e.g. 0.02 = 2%). This is the best rate the account can pay, not what a typical customer gets — many accounts pay less by default. Check apy_default in the results for the standard rate.","type":"number"},"available_states":{"description":"Returns listings available in all specified states","items":{"type":"string"},"type":"array"},"cash_deposit_available":{"description":"Whether cash deposits are supported","type":"boolean"},"entity_types_accepted":{"description":"Returns listings accepting all specified entity types (e.g. llc, s_corp)","items":{"type":"string"},"type":"array"},"expense_integration_available":{"description":"Whether the account connects to any expense/spend-management software","type":"boolean"},"free_transactions_min":{"description":"Minimum free transactions per month","type":"number"},"insurance_type":{"description":"Deposit insurance type","enum":["fdic","ncua","uninsured"],"type":"string"},"interest_bearing":{"description":"Whether the account earns interest","type":"boolean"},"minimum_opening_deposit_max":{"description":"Maximum minimum opening deposit","type":"number"},"monthly_fee_max":{"description":"Maximum monthly fee","type":"number"},"rtp_network":{"description":"Which real-time payment rail is supported","enum":["fednow","rtp_network","both","none"],"type":"string"},"rtp_supported":{"description":"Whether real-time payments (any rail) are supported at all","type":"boolean"},"sub_accounts_supported":{"description":"Whether sub-accounts are supported","type":"boolean"},"target_business_profiles":{"description":"Soft-ranks results toward listings built for this business stage/shape. Does not exclude non-matching but otherwise-eligible listings.","items":{"description":"One value from: early_stage_startup (pre-revenue or early-revenue new company), vc_backed (has raised institutional venture funding), bootstrapped_solopreneur (self-funded, one-person or very small team, run as primary full-time work), established_smb (operating business with existing revenue/history), high_growth (rapidly scaling regardless of funding source), side_hustle (part-time/secondary business run alongside other work or a day job).","enum":["early_stage_startup","vc_backed","bootstrapped_solopreneur","established_smb","high_growth","side_hustle"],"type":"string"},"type":"array"},"target_industries":{"description":"Soft-ranks results toward listings built for these business types. Does not exclude non-matching but otherwise-eligible listings.","items":{"description":"One value from: ecommerce (online retail/marketplace sellers), retail_storefront (physical retail location), restaurant_food_service (restaurants, cafes, food trucks), content_creator_solopreneur (creators, influencers, freelance media), professional_services (consultants, agencies, legal/accounting firms), real_estate (agents, property managers, investors), healthcare_practice (clinics, private practices), construction_trades (contractors, tradespeople), trucking_logistics (trucking, freight, logistics), agriculture (farms, agribusiness), saas_tech (software/tech companies), nonprofit (registered nonprofit organizations), small_business_digital_first (general online/no-branch small business with no other single vertical fitting best).","enum":["ecommerce","retail_storefront","restaurant_food_service","content_creator_solopreneur","professional_services","real_estate","healthcare_practice","construction_trades","trucking_logistics","agriculture","saas_tech","nonprofit","small_business_digital_first"],"type":"string"},"type":"array"},"tax_integration_available":{"description":"Whether the account connects to any tax-prep or tax-filing software/service","type":"boolean"}},"type":"object"},"name":"query_business_checking"}]},"body_sha256":"98c057531c624fceb5d661914396c7f4450bfc0f5f64bbd2c732adcc74fe6819","prev_id":null,"leaf":"0x9248a986dc34934d775c186313a359e97517c6bef0d83823b3683578d1bd26eb","leaf_text":"{\"body\":\"98c057531c624fceb5d661914396c7f4450bfc0f5f64bbd2c732adcc74fe6819\",\"id\":258756,\"kind\":\"mcp.tools\",\"method\":\"probe.mcp/1\",\"observed_us\":1793030368684489,\"prev\":null,\"subject\":\"c7fe13d8-2ef0-443c-aa19-2ed11b65e7fc\",\"subject_kind\":\"endpoint\"}","day":{"day":"2026-10-26","leaves":296695,"root":"0xf43e8dcc3d451a4788b26be904c55e8c4c0fa75c9666796c51db38d37e2c0df8","chained":"0x702d5ac508f08b0d1accf36af25822d8e5660367494edd17a642fb61e158a57a","anchor_chain":"eip155:5042002","anchor_tx":"0x495162f8936e19f0039918feebe6c307f327cd6bf8c37219620b1970041fa9ae","anchor_block":69251483},"proof":["0x92489bcd21012fdca869c6dba888ae5e360dc1780249d381d154c81c5c24a3e1","0x359cc06d2783efb3bab039b702b668d1b59bcbb454bebeae124af05dddbfb14e","0x9bd485f2f6ca4ea6b134fc41f83757aee74156e8044ecf5b0080e3752c2ed9ca","0xc92d725b32c4be00220790ff5c13d1f29eac536c06eaec9fe28c8be16ff9cd6b","0xa1ed6d9e534951d89e1a2f1dd9ac2c4103ac335dba1c64a9e8ca6e7be26148ee","0x60634177f1693e8745f2bd49649a1141c6c8419627aebe5642f8688c2cfc91cb","0x6e839736374ee4ccff8f5beb24b08c9bfe5ae3b12b81403e283e6a5025141cb7","0x2039c093b224b6271c2da43e17235d1d0efcc5cb8b55ece0a70390eb6e8f1436","0x5e3a9e8753e009a1c5d774835c1440ea5baa86bc7363444b76f653c7ff87173d","0x832f34bb008802b110406e880902a2a6955e0c595bbbe020688b9d51bc08dc80","0x316efc275d57dcc035269c8eb6bada510779068882f33960d16f7f84af2b4432","0xe131b224ee3c295dfa790b458d9daa11e2a32e6131c280c6be7d92190c756a88","0x45c1d3062bbe98a6b1540c7e2ccf6516eedd6ef07fdfeb1ba77ee6272970447c","0xf0edabbb9ba0d643e5505d19d07637eb6f6aed0a1c7356af43ae7d84ae9ef0c5","0xf0bd63870f0bb378fa300bd33563050dcb7b3e02b44eb3ee550c1c534ec4b246","0x1ac20d30773e1f4f2f811540e9a99b5cca9177c9e2e029acc0d80cf3f1d11f0f","0xd21942ae3214eff88e08ab04884fd4b11958b51af9a0741b7668e2d07a2c56c9","0x9a9024edb5069d88a324facb310a5ce8e495214bbaa968f077bede437390194f","0x9b9ce5b74b9bab5121612ef6b64920a8d453cbf311096a423eef9702747e868a"]}