# Regime Card

> Regime Card is a free daily read of US stock market risk appetite. Eight cross-asset signals (credit, equity and bond volatility, currencies, commodities, sector positioning, and rates) are combined into one percentile from 0 to 100, ranked against the full history, and one of five market regimes: Risk-Off, Mildly Off, Neutral, Mildly On, Risk-On.

It describes current conditions. It is not a forecast, and it is not investment advice or a recommendation to buy or sell any security.

The short index of this site is https://regimecard.com/llms.txt. This file is the long form for the agent endpoints.

## Regime Card for AI agents

Is the US market risk-on or risk-off right now? Regime Card reads eight cross-asset signals (credit, volatility, rates, currencies, commodities, sectors) and answers with one score from 0 to 100 and one of five market regimes, from Risk-Off to Risk-On. Agents use it as a market conditions check, a macro signal, or a risk check before a trade. Also: the stress gate, and how a stock or crypto has typically done in markets like today's. Pay per call in USDC on Base over x402. No account, no API key.

Base URL: https://agent.regimecard.com
MCP server (streamable HTTP): https://agent.regimecard.com/mcp
OpenAPI 3.1: https://agent.regimecard.com/openapi.json
Payment discovery: https://agent.regimecard.com/.well-known/x402
Page: https://regimecard.com/agents

Payment: x402 version 2, the "exact" scheme, USDC on Base. A paid route answers HTTP 402 with its price. Attach a signed payment and retry. Data is returned only after the payment settles.

### GET /v1/sample (MCP tool: sample_reading)

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. Free. One reading per US trading day, settled at 4:30 PM ET.

Example response:

```json
{
  "asOf": "2026-11-13",
  "status": "settled",
  "reading": {
    "score": 62.4,
    "regime": {
      "key": "mildly_on",
      "label": "MILDLY ON",
      "name": "Mildly On"
    }
  },
  "scale": {
    "min": 0,
    "max": 100,
    "low": "Risk-Off",
    "high": "Risk-On"
  },
  "categories": [
    "Credit stress",
    "Equity vol regime",
    "Bond market vol",
    "Currency carry",
    "Commodity growth",
    "Sector leadership",
    "Defensive rotation",
    "Yield curve"
  ],
  "paid": [
    {
      "id": "live",
      "method": "GET",
      "url": "https://agent.regimecard.com/v1/live",
      "tool": "live_reading",
      "priceUsd": "0.01",
      "description": "Is the US market risk-on or risk-off right now? $0.01 per call."
    },
    {
      "id": "stress",
      "method": "GET",
      "url": "https://agent.regimecard.com/v1/stress",
      "tool": "stress_gate",
      "priceUsd": "0.01",
      "description": "Is there market stress right now in credit, volatility or rates? $0.01 per call."
    },
    {
      "id": "lookup",
      "method": "POST",
      "url": "https://agent.regimecard.com/v1/lookup",
      "tool": "lookup_symbols",
      "priceUsd": "0.01",
      "description": "How has this stock or crypto typically done in markets like today's? $0.01 per call."
    },
    {
      "id": "crypto",
      "method": "GET",
      "url": "https://agent.regimecard.com/v1/crypto",
      "tool": "crypto_regime",
      "priceUsd": "0.01",
      "description": "Is it risk-on or risk-off for BTC and altcoins, and how have coins behaved in markets like today's? $0.01 per call."
    },
    {
      "id": "brief",
      "method": "GET",
      "url": "https://agent.regimecard.com/v1/brief",
      "tool": "brief",
      "priceUsd": "0.01",
      "description": "What are US market conditions today, in one call? $0.01 per call."
    }
  ],
  "mcp": "https://agent.regimecard.com/mcp",
  "openapi": "https://agent.regimecard.com/openapi.json",
  "docs": "https://regimecard.com/agents",
  "disclaimer": "For informational purposes only. Not investment advice.",
  "source": "https://regimecard.com"
}
```

### GET /v1/live (MCP tool: live_reading)

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. $0.01 per call in USDC on Base (x402). 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".

Example response:

```json
{
  "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"
}
```

### GET /v1/stress (MCP tool: stress_gate)

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. $0.01 per call in USDC on Base (x402). Recomputed hourly during the US session. "stale" is true when a scheduled update is missing.

Example response:

```json
{
  "asOf": "2026-11-13",
  "status": "live",
  "state": {
    "key": "elevated",
    "name": "Elevated"
  },
  "confirmed": 1,
  "total": 3,
  "summary": "1 of 3 confirmed",
  "components": [
    {
      "key": "credit",
      "name": "Credit",
      "state": "Clear"
    },
    {
      "key": "volatility",
      "name": "Volatility",
      "state": "Confirmed"
    },
    {
      "key": "rates",
      "name": "Rates",
      "state": "Clear"
    }
  ],
  "updatedAt": "2026-11-13T18:00:41Z",
  "stale": false,
  "disclaimer": "For informational purposes only. Not investment advice.",
  "source": "https://regimecard.com"
}
```

### POST /v1/lookup (MCP tool: lookup_symbols)

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. $0.01 per call in USDC on Base (x402). Settled figures, updated after each US close (coins daily).

Example request body:

```json
{"symbols":["NVDA","BTC","ZZZZ"]}
```

Example response:

```json
{
  "asOf": "2026-11-12",
  "status": "settled",
  "regime": {
    "key": "mildly_on",
    "label": "MILDLY ON",
    "name": "Mildly On"
  },
  "results": [
    {
      "symbol": "NVDA",
      "covered": true,
      "name": "NVIDIA",
      "type": "stock",
      "asOf": "2026-11-12",
      "url": "https://regimecard.com/stocks/NVDA",
      "horizons": [
        {
          "horizon": "1m",
          "typicalReturnPct": 3.1,
          "roseSharePct": 64,
          "history": "full"
        },
        {
          "horizon": "3m",
          "typicalReturnPct": 9.8,
          "roseSharePct": 71,
          "history": "full"
        }
      ]
    },
    {
      "symbol": "BTC",
      "covered": true,
      "name": "Bitcoin",
      "type": "crypto",
      "asOf": "2026-11-13",
      "url": "https://regimecard.com/crypto/BTC",
      "horizons": [
        {
          "horizon": "1m",
          "typicalReturnPct": 4.4,
          "roseSharePct": 58,
          "history": "full"
        },
        {
          "horizon": "3m",
          "typicalReturnPct": 12.6,
          "roseSharePct": 63,
          "history": "limited"
        }
      ]
    },
    {
      "symbol": "ZZZZ",
      "covered": false
    }
  ],
  "disclaimer": "For informational purposes only. Not investment advice.",
  "source": "https://regimecard.com"
}
```

### GET /v1/crypto (MCP tool: crypto_regime)

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. $0.01 per call in USDC on Base (x402). Settled figures. The regime updates after each US close and the coin figures once a day.

Example response:

```json
{
  "asOf": "2026-11-12",
  "status": "settled",
  "regime": {
    "key": "mildly_on",
    "label": "MILDLY ON",
    "name": "Mildly On"
  },
  "sortedBy": "3m",
  "dataAsOf": "2026-11-13",
  "coins": [
    {
      "symbol": "SOL",
      "name": "Solana",
      "url": "https://regimecard.com/crypto/SOL",
      "horizons": [
        {
          "horizon": "1m",
          "typicalReturnPct": 6.2,
          "roseSharePct": 59,
          "history": "limited"
        },
        {
          "horizon": "2m",
          "typicalReturnPct": 14.9,
          "roseSharePct": 62,
          "history": "limited"
        },
        {
          "horizon": "3m",
          "typicalReturnPct": 24,
          "roseSharePct": 66,
          "history": "limited"
        }
      ]
    },
    {
      "symbol": "BTC",
      "name": "Bitcoin",
      "url": "https://regimecard.com/crypto/BTC",
      "horizons": [
        {
          "horizon": "1m",
          "typicalReturnPct": 4.4,
          "roseSharePct": 58,
          "history": "full"
        },
        {
          "horizon": "2m",
          "typicalReturnPct": 8.7,
          "roseSharePct": 61,
          "history": "full"
        },
        {
          "horizon": "3m",
          "typicalReturnPct": 12.6,
          "roseSharePct": 63,
          "history": "full"
        }
      ]
    },
    {
      "symbol": "HYPE",
      "name": "Hyperliquid",
      "url": "https://regimecard.com/crypto/HYPE",
      "horizons": [
        {
          "horizon": "1m",
          "typicalReturnPct": null,
          "roseSharePct": null,
          "history": "none"
        },
        {
          "horizon": "2m",
          "typicalReturnPct": null,
          "roseSharePct": null,
          "history": "none"
        },
        {
          "horizon": "3m",
          "typicalReturnPct": null,
          "roseSharePct": null,
          "history": "none"
        }
      ]
    }
  ],
  "disclaimer": "For informational purposes only. Not investment advice.",
  "source": "https://regimecard.com"
}
```

### GET /v1/brief (MCP tool: brief)

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. $0.01 per call in USDC on Base (x402). The reading and the gate are recomputed hourly during the US session. The scorecard gains one reading per trading day.

Example response:

```json
{
  "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"
    }
  },
  "stress": {
    "state": {
      "key": "elevated",
      "name": "Elevated"
    },
    "confirmed": 1,
    "total": 3,
    "summary": "1 of 3 confirmed",
    "components": [
      {
        "key": "credit",
        "name": "Credit",
        "state": "Clear"
      },
      {
        "key": "volatility",
        "name": "Volatility",
        "state": "Confirmed"
      },
      {
        "key": "rates",
        "name": "Rates",
        "state": "Clear"
      }
    ],
    "updatedAt": "2026-11-13T18:00:41Z",
    "stale": false
  },
  "scorecard": {
    "regime": {
      "key": "mildly_on",
      "label": "MILDLY ON",
      "name": "Mildly On"
    },
    "asOf": "2026-11-12",
    "rows": [
      {
        "horizon": "5d",
        "readings": 412,
        "timesEntered": 57,
        "typicalReturnPct": 0.4,
        "roseSharePct": 61,
        "badOutcomePct": -1.9
      },
      {
        "horizon": "20d",
        "readings": 412,
        "timesEntered": 57,
        "typicalReturnPct": 1.6,
        "roseSharePct": 68,
        "badOutcomePct": -3.8
      }
    ]
  },
  "disclaimer": "For informational purposes only. Not investment advice.",
  "source": "https://regimecard.com"
}
```

### Questions

Q: What is a market regime API?
A: 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.

Q: How does an AI agent pay?
A: 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.

Q: Which payment methods are accepted?
A: 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.

Q: Is there an MCP server?
A: 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.

Q: How fresh is the data?
A: 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.

Q: Is this a fear and greed index?
A: 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.

Q: Is this investment advice?
A: No. Regime Card describes market conditions. It makes no recommendation and no forecast. For informational purposes only.

For informational purposes only. Not investment advice.