{"id":586758,"recorded_at":"2026-10-28T00:35:31.776209Z","observed_at":"2026-10-28T00:35:31.776162Z","subject_kind":"endpoint","subject":"8ec36695-6b47-4264-850a-c1b3baeff416","kind":"mcp.tools","method":"probe.mcp/1","body":{"count":4,"tools":[{"description":"Rank Czech savings accounts (spořicí účty) by the effective interest rate (úrok, sazba) for a given deposit, with the net yield after the 15 % tax.\n\nThe effective rate is computed for the WHOLE amount: many banks pay their headline rate only up to a limit (e.g. Česká spořitelna 5,20 % only up to 400 000 Kč), so the ranking changes with the amount. Filters drop accounts with card-payment, income or new-money conditions, or keep only accounts without conditions.\n\nExamples:\n  - \"Kam dát 800 000 Kč na spořicí účet?\" -> amount=800000\n  - \"Nejvyšší úrok bez podmínek pro 1 milion\" -> amount=1000000, no_conditions=true\nUse hlidac_get_product for one account's bands and conditions, hlidac_plan_allocation to split a large sum across banks.","inputSchema":{"$schema":"https://json-schema.org/draft/2020-12/schema","additionalProperties":false,"properties":{"amount":{"description":"Deposit in CZK (vklad v Kč), whole number 1 000–10 000 000, e.g. 800000","maximum":10000000,"minimum":1000,"type":"integer"},"include_investment":{"default":false,"description":"Count the higher rate some banks pay with a regular investment","type":"boolean"},"limit":{"default":5,"description":"How many accounts to return, best first","maximum":20,"minimum":1,"type":"integer"},"no_conditions":{"default":false,"description":"Only accounts with no conditions at all (spořicí účet bez podmínek)","type":"boolean"},"without_card_payments":{"default":false,"description":"Exclude accounts that require card payments (bez placení kartou)","type":"boolean"},"without_income_requirement":{"default":false,"description":"Exclude accounts that require a regular income (bez požadavku na příjem)","type":"boolean"},"without_new_money":{"default":false,"description":"Exclude offers only for new money moved from another bank (bez nových peněz)","type":"boolean"}},"required":["amount"],"type":"object"},"name":"hlidac_compare_savings"},{"description":"Rank Czech term deposits (termínované vklady) for a deposit and a term (délka v měsících) by the rate (úrok, sazba), with the net yield for the whole term after the 15 % tax.\n\nOffers only for new clients (noví klienti) count only with client='new'; promotions (akce) can be excluded; need_early_withdrawal keeps banks where an early withdrawal (předčasný výběr) is possible without the bank's consent. Banks whose limits do not take the amount are listed in outside_limits.\n\nExamples:\n  - \"Nejlepší termínovaný vklad na rok pro 200 000\" -> amount=200000, term_months=12\n  - \"Vklad na 3 měsíce, jsem nový klient\" -> term_months=3, client='new'","inputSchema":{"$schema":"https://json-schema.org/draft/2020-12/schema","additionalProperties":false,"properties":{"amount":{"description":"Deposit in CZK (vklad v Kč), whole number 1 000–10 000 000","maximum":10000000,"minimum":1000,"type":"integer"},"client":{"default":"existing","description":"'new' also counts offers only for a bank's new clients (noví klienti)","enum":["existing","new"],"type":"string"},"include_promotions":{"default":true,"description":"Count time-limited promotions (akce)","type":"boolean"},"limit":{"default":5,"description":"How many offers to return, best first","maximum":20,"minimum":1,"type":"integer"},"need_early_withdrawal":{"default":false,"description":"Only banks where an early withdrawal (předčasný výběr) is possible without asking the bank","type":"boolean"},"term_months":{"description":"Term in months (délka vkladu): 1, 3, 6, 12, 24, 36, 60 …","maximum":120,"minimum":1,"type":"integer"}},"required":["amount","term_months"],"type":"object"},"name":"hlidac_compare_term_deposits"},{"description":"Full detail of one product (spořicí účet or termínovaný vklad): rate bands, conditions, end of a promotion, deposit insurance (pojištění vkladu), early withdrawal, tax, when it was verified, and the facts we do not have (unknown).\n\nproduct_id comes from hlidac_compare_savings or hlidac_compare_term_deposits, e.g. 'trinity', 'ceska-sporitelna', 'tv-csob'. An unknown id returns the list of valid ids.","inputSchema":{"$schema":"https://json-schema.org/draft/2020-12/schema","additionalProperties":false,"properties":{"product_id":{"description":"Product id from a comparison result, e.g. 'trinity' (spořicí účet) or 'tv-csob' (termínovaný vklad)","pattern":"^[a-z0-9-]{2,40}$","type":"string"}},"required":["product_id"],"type":"object"},"name":"hlidac_get_product"},{"description":"Split a sum across Czech savings accounts (spořicí účty) for the highest net yield, keeping each bank under the deposit insurance limit of 100 000 EUR per client and bank (pojištění vkladů), converted at today's ČNB rate unless eur_czk is given.\n\nOnly accounts whose conditions the client says they meet are used (card payments, income, new money, investing). Several products of one bank share one limit.\n\nExample: \"Mám 6 milionů, jak je rozložit, aby byly pojištěné?\" -> amount=6000000, max_banks=3","inputSchema":{"$schema":"https://json-schema.org/draft/2020-12/schema","additionalProperties":false,"properties":{"amount":{"description":"Total to place in CZK, e.g. 6000000","maximum":50000000,"minimum":1000,"type":"integer"},"can_bring_new_money":{"default":false,"description":"The money is new to the bank, moved from another bank (nové peníze)","type":"boolean"},"can_invest":{"default":false,"description":"The client will invest regularly where it raises the rate","type":"boolean"},"can_pay_by_card":{"default":false,"description":"The client will meet card payment conditions (platby kartou)","type":"boolean"},"eur_czk":{"description":"EUR/CZK rate for the 100 000 EUR insurance limit; default: today's ČNB rate","maximum":40,"minimum":15,"type":"number"},"has_income":{"default":false,"description":"The client can route a regular income to the bank (příjem)","type":"boolean"},"max_banks":{"default":3,"description":"At most this many banks","maximum":6,"minimum":1,"type":"integer"}},"required":["amount"],"type":"object"},"name":"hlidac_plan_allocation"}]},"body_sha256":"55f6fe4835fe500cb195cc36b42ca37dddc9fc049e7b6a6e003657247dbe4799","prev_id":null,"leaf":"0x38def65f49491ef65df934ed5c68d7aebb6449e059e9af2750bccf47118ddd2b","leaf_text":"{\"body\":\"55f6fe4835fe500cb195cc36b42ca37dddc9fc049e7b6a6e003657247dbe4799\",\"id\":586758,\"kind\":\"mcp.tools\",\"method\":\"probe.mcp/1\",\"observed_us\":1793147731776162,\"prev\":null,\"subject\":\"8ec36695-6b47-4264-850a-c1b3baeff416\",\"subject_kind\":\"endpoint\"}","day":{"day":"2026-10-28","leaves":231336,"root":"0x2c19037464cc4c493624565f01775d6446fc78eaa118fc6865bfe2bfca9ff78e","chained":"0xd1d7dee8322ceff8f4c8d83aa1fe4a4466825c2af1c97dbde3d35db61234f7be","anchor_chain":"eip155:5042002","anchor_tx":"0x8bae2b1d097834c8b458513862d70d29ee807e98dc2e863b27250131c15b35ae","anchor_block":69584042},"proof":["0x38deb71ca5289e99205be72b10515b8438ea79197ae9f15ccfa72457476d4aa0","0x88e752e6d2747e8c1e8b4e1370e7d7bf55a58956b9575623e77bb643c3376fb6","0x826e5aaf7bd5545330e0db02800e220c77093b44242df27059c4f43fa8aa7143","0x477a97f5f8e7fcadd2d7cc80c390e6d23457473e20920352e826e8e9521eaa4f","0x315631db4ddbec99334c5b96552fac895acb9de9429e477f96278cc8e82c22bb","0x5eddff08e7466891d7729f1d50e7dba09557a9141de1c9e977a644ab17abc123","0x2a3ee8859dd75001a41493736f09cb9b78616cb0e732dfad272bba1d19b984ec","0xb4599fbe039d7a3a702e27e507c0800b60784e33c6b10f64f3af8c4f34b4fa78","0x495ddcf03392aad0480892158dca15b9332684b85ef150f37dde03f7b51d45a4","0xdd700fe2ec9891aef206c04cb9f2ce2e733e5ffa3c41258a3c3675664ad5ea3b","0xfcbc59f27d4a376295ba7a2e66c21e9c2181d4065beb6a68eef40f33bd320e8c","0xb749f95edf2d1f50c2cc4d0792931178f95ae24b291896727c848bfa15ba6bae","0x90adeeedf0030839d1cf4653c4092b1bee2a90ffabedf937d55b4fa91e36cb1b","0x7b2e5f158ccf01de5b2c0c5b723d8c5a690e0d4e9302d283bc82cd202622595e","0x91690f98682e078d41b8b72edeaea70473545a876fc3baa645fc988225096386","0xaeb1503e5d0d358b256ba97a10178c357ddb8f55cc961925ccf0458aae5ebcae","0xf078ea7d84d98dbeffed23d8e67b36751e60464ffd4cfdc005e0aa6f8cb9b459","0xe027395fafb7fc41921c42ca0542524ea22204cbd5908b70b27f3d5fb26f5d0f"]}