Market regime API for AI agents

Regime Card tells an agent whether the US market is risk-on or risk-off right now: one score from 0 to 100 and one of five market regimes, built from eight cross-asset signals.

Try it

A market sentiment API for AI agents and an x402 finance API: pay per call in USDC on Base, or connect the MCP server for market data. No account and no API key.

curl https://agent.regimecard.com/v1/sample

The sample is free. A paid route answers HTTP 402 with its price until a payment is attached.

curl -i https://agent.regimecard.com/v1/live

A paid answer, from GET /v1/live

{
  "asOf": "2026-11-13",
  "status": "live",
  "marketStatus": "intraday",
  "reading": {
    "score": 58.1,
    "regime": {
      "key": "neutral",
      "label": "NEUTRAL",
      "name": "Neutral"
    }
  },
  "updatedAt": "2026-11-13T18:00:53Z",
  "settled": {
    "asOf": "2026-11-12",
    "score": 62.4,
    "regime": {
      "key": "mildly_on",
      "label": "MILDLY ON",
      "name": "Mildly On"
    }
  },
  "disclaimer": "For informational purposes only. Not investment advice.",
  "source": "https://regimecard.com"
}

MCP server

Streamable HTTP. One free tool, and one paid tool per paid route, paid over x402.

https://agent.regimecard.com/mcp

Claude Code

claude mcp add --transport http regimecard https://agent.regimecard.com/mcp

Cursor (.cursor/mcp.json)

{
  "mcpServers": {
    "regimecard": {
      "url": "https://agent.regimecard.com/mcp"
    }
  }
}

Cloudflare Agents SDK

import { withX402Client } from "agents/x402";
import { privateKeyToAccount } from "viem/accounts";

// inside your Agent, for example in onStart()
const { id } = await this.mcp.connect("https://agent.regimecard.com/mcp");
const account = privateKeyToAccount(this.env.AGENT_PRIVATE_KEY);
const regimecard = withX402Client(this.mcp.mcpConnections[id].client, { network: "base", account });
// null: pay without asking. Pass a callback to confirm each payment.
const brief = await regimecard.callTool(null, { name: "brief", arguments: {} });

Routes and prices

Prices are per call, in US dollars, paid in USDC on Base. A call that cannot be answered is not charged.

Route	Price	What it answers
`GET /v1/sample`MCP tool `sample_reading`	Free	What was the US market regime at the last close? Returns the newest settled Regime Card reading, the same one regimecard.com shows: a score from 0 to 100, one of five regimes, the eight cross-asset category labels, and the paid routes with their prices. One reading per US trading day, settled at 4:30 PM ET.
`GET /v1/live`MCP tool `live_reading`	$0.01	Is the US market risk-on or risk-off right now? Returns the live Regime Card reading in one call: a score from 0 (most risk-off) to 100 (most risk-on) and one of five market regimes (Risk-Off, Mildly Off, Neutral, Mildly On, Risk-On), from eight cross-asset signals, beside the last settled close. A market sentiment and market conditions check for today, and a fear and greed alternative that reads credit, volatility, rates, currencies, commodities and sectors. Recomputed hourly during the US session (10:00 AM to 4:00 PM ET) and marked "live". Outside the session it returns the settled reading, marked "settled".
`GET /v1/stress`MCP tool `stress_gate`	$0.01	Is there market stress right now in credit, volatility or rates? Returns the Regime Card stress gate in one call: Calm, Elevated or Stressed, how many of its three components are confirmed (N of 3), and each component (Credit, Volatility, Rates) as Clear or Confirmed. A market stress and market risk check an agent can call before it acts. States only, never the levels behind them. Recomputed hourly during the US session. "stale" is true when a scheduled update is missing.
`POST /v1/lookup`MCP tool `lookup_symbols`	$0.01	How has this stock or crypto typically done in markets like today's? Returns, for up to 20 stock or crypto symbols in one call, each one's typical return and how often it rose over 1 to 12 months when the period started in the current regime: stock returns by market regime and crypto returns by market regime, as historical odds. The same figures as the symbol's page on regimecard.com. A symbol outside coverage comes back as not covered, never as an error. Settled figures, updated after each US close (coins daily).
`GET /v1/crypto`MCP tool `crypto_regime`	$0.01	Is it risk-on or risk-off for BTC and altcoins, and how have coins behaved in markets like today's? Returns the market regime for crypto in one call: the current regime, and every covered coin (BTC, ETH, SOL and other large altcoins) with its typical return and how often it rose over 1, 2 and 3 months when the period started in this regime, sorted highest first. Crypto returns by market regime as historical odds, the same figures as the /crypto pages on regimecard.com. Settled figures. The regime updates after each US close and the coin figures once a day.
`GET /v1/brief`MCP tool `brief`	$0.01	What are US market conditions today, in one call? Returns the live market regime reading, the stress gate, and the scorecard row for the current regime: what the S&P 500 did in the 5 and 20 trading days after past readings in this regime (typical return, how often it rose, and a bad outcome, a measure of drawdown risk). One cross-asset macro signal an agent can use as a risk check before a trade or as a position sizing input. Describes conditions, not a forecast. The reading and the gate are recomputed hourly during the US session. The scorecard gains one reading per trading day.

Questions

What is a market regime API?

An API that says what kind of market it is right now. Regime Card reads eight cross-asset signals and answers with one score from 0 to 100 and one of five regimes, from Risk-Off to Risk-On.

How does an AI agent pay?

Over x402. The agent calls a route, gets HTTP 402 with the price, signs a USDC payment on Base and retries. There is no account and no API key. Data is returned only after the payment settles.

Which payment methods are accepted?

x402, paid in USDC on Base. Every 402 carries the exact amount and where to send it. Cards are not accepted: a call costs a few cents.

Is there an MCP server?

Yes. Connect https://agent.regimecard.com/mcp (streamable HTTP). It has a free sample tool and a paid tool for each paid route, with the same data and prices as the HTTP routes.

How fresh is the data?

The live reading and the stress gate are recomputed hourly during the US session, 10:00 AM to 4:00 PM ET. One settled reading is published per trading day at 4:30 PM ET. Every response says which one it is.

Is this a fear and greed index?

It answers a similar question a different way. Regime Card is a cross-asset reading of credit, volatility, rates, currencies, commodities and sectors, not a survey or a single-market gauge.

Is this investment advice?

No. Regime Card describes market conditions. It makes no recommendation and no forecast. For informational purposes only.

Machine-readable

OpenAPI 3.1: every route with its input schema, output schema and an example.
x402 manifest: the paid routes and their payment requirements.
MCP server card.
llms.txt and llms-full.txt.

For informational purposes only. Not investment advice. Regime Card describes market conditions. It makes no recommendation. The same readings, settled once a day, are free on regimecard.com.