# 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.

## Key pages

- [Regime Card](https://regimecard.com/): today's reading, its percentile and its regime, and the eight input categories it is built from.
- [Returns by Regime](https://regimecard.com/returns): what the S&P 500 did over the 1 month to 1 year after past days in each regime: its typical return, its usual range, and how often it rose.
- [Stocks by market regime](https://regimecard.com/stocks): the same figures for the most-traded US stocks, one page each, for example https://regimecard.com/stocks/NVDA. The index opens with the ten sector averages and every stock's typical 1- to 3-month return in today's regime.
- [Stocks in Risk-Off markets, ranked](https://regimecard.com/stocks/regimes/risk-off): the same stocks ranked by their typical return over the month after past Risk-Off days, with 2 and 3 months beside it.
- [Stocks in Mildly Off markets, ranked](https://regimecard.com/stocks/regimes/mildly-off): the same stocks ranked by their typical return over the 3 months after past Mildly Off days, with 1 and 2 months beside it.
- [Crypto by market regime](https://regimecard.com/crypto): the same figures for major cryptocurrencies, one page each, for example https://regimecard.com/crypto/BTC. The regime is the US market's, read on US market days.
- [Historical Regime](https://regimecard.com/history): the daily reading since 2008, and a scorecard of what the S&P 500 did in the 5 and 20 trading days after each reading.
- [Check the record](https://regimecard.com/verify): a public record of every reading Regime Card has published, written so nothing can be changed later without leaving a trace.
- [The Market's Dead Zone](https://regimecard.com/research/the-dead-zone): why the mildly stressed market, not the most fearful one, has been followed by the weakest stock returns.
- [CNN's Fear & Greed Index vs Regime Card](https://regimecard.com/compare/fear-and-greed-index): what each measures (US stock sentiment from seven indicators; cross-asset risk conditions from eight signals), how often each updates, and why they can differ.
- [Questions about market regimes](https://regimecard.com/learn): the question pages below, each with its one-sentence answer and the latest settled reading.
- [What is risk-on and risk-off?](https://regimecard.com/learn/risk-on-vs-risk-off): what the two terms mean, what tends to move in each, how Regime Card's five regimes map to them, and how to read today's reading.
- [What is a market regime?](https://regimecard.com/learn/what-is-a-market-regime): what a market regime is, how regimes are usually identified, why Regime Card reads one a day, and the five regimes, with today's reading.
- [About Regime Card](https://regimecard.com/about): who builds it, what it publishes and what it keeps private, and how to reach us (hello@regimecard.com, @regimecard on X).

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## For AI agents

A market regime and market risk check for AI agents. Pay per call in USDC over x402, or connect the MCP server. No account, no API key.

- [Agent API and MCP server](https://regimecard.com/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.
- [MCP server](https://agent.regimecard.com/mcp): streamable HTTP, one free tool and one paid tool per paid route.
- [OpenAPI](https://agent.regimecard.com/openapi.json): every route with its input schema, output schema and an example.
- [GET /v1/sample](https://agent.regimecard.com/v1/sample): What was the US market regime at the last close? Free.
- [GET /v1/live](https://agent.regimecard.com/v1/live): Is the US market risk-on or risk-off right now? $0.01 per call.
- [GET /v1/stress](https://agent.regimecard.com/v1/stress): Is there market stress right now in credit, volatility or rates? $0.01 per call.
- [POST /v1/lookup](https://agent.regimecard.com/v1/lookup): How has this stock or crypto typically done in markets like today's? $0.01 per call.
- [GET /v1/crypto](https://agent.regimecard.com/v1/crypto): 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.
- [GET /v1/brief](https://agent.regimecard.com/v1/brief): What are US market conditions today, in one call? $0.01 per call.
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## When the data is published

- Regime Card publishes one reading per trading day, after the 4:00 PM ET close (settled at 4:30 PM ET). It does not change during the day. The history line and the scorecard are built from settled readings.
- The stock and S&P 500 figures are refreshed after each close.
- The cryptocurrency figures are refreshed after 00:00 UTC, when each day's coin close is in.
- Every figure describes what happened after past days in a regime. Past results do not promise future ones.