{
  "openapi": "3.1.0",
  "info": {
    "title": "DebtPulse API",
    "description": "Global debt elimination intelligence. All endpoints require x402 payment (USDC on Base mainnet) via the PAYMENT-SIGNATURE header. Supports US, UK, Australia, and Canada jurisdictions. Add ?lang= for any language response.",
    "version": "1.1.0",
    "contact": {
      "url": "https://debtpulse.vercel.app"
    }
  },
  "servers": [
    {
      "url": "https://debtpulse.vercel.app"
    }
  ],
  "components": {
    "securitySchemes": {
      "x402": {
        "type": "apiKey",
        "in": "header",
        "name": "PAYMENT-SIGNATURE",
        "description": "x402 payment signature. Send a GET request without this header to receive a 402 with payment requirements. Sign the payment and retry."
      }
    },
    "parameters": {
      "country": {
        "name": "country",
        "in": "query",
        "required": false,
        "schema": {
          "type": "string",
          "enum": [
            "US",
            "UK",
            "CA",
            "AU"
          ],
          "default": "US"
        },
        "description": "Jurisdiction for country-specific rules and programs"
      },
      "lang": {
        "name": "lang",
        "in": "query",
        "required": false,
        "schema": {
          "type": "string"
        },
        "description": "Response language (ISO 639-1 code). Claude responds natively in any language."
      }
    }
  },
  "security": [
    {
      "x402": []
    }
  ],
  "paths": {
    "/api/debt/payoff": {
      "get": {
        "summary": "Payoff calculator",
        "description": "Avalanche, snowball, and hybrid payoff comparison with exact amortization math, interest savings, and milestone calendar.",
        "operationId": "debtPayoff",
        "parameters": [
          {
            "name": "debts",
            "in": "query",
            "required": true,
            "schema": {
              "type": "string"
            },
            "description": "JSON array: [{creditor, balance, rate, minPayment}]"
          },
          {
            "name": "extra_payment",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            },
            "description": "Additional monthly payment amount in USD"
          },
          {
            "name": "method",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "enum": [
                "avalanche",
                "snowball",
                "hybrid",
                "auto"
              ]
            }
          },
          {
            "$ref": "#/components/parameters/lang"
          }
        ],
        "responses": {
          "200": {
            "description": "Payoff analysis",
            "content": {
              "application/json": {
                "schema": {
                  "type": "object",
                  "properties": {
                    "total_debt": {
                      "type": "number"
                    },
                    "methods": {
                      "type": "object"
                    },
                    "recommendation": {
                      "type": "string"
                    },
                    "milestones": {
                      "type": "array"
                    },
                    "interest_savings_vs_minimums": {
                      "type": "number"
                    },
                    "narrative": {
                      "type": "string"
                    }
                  }
                }
              }
            }
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.1,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/debt/snapshot": {
      "get": {
        "summary": "Debt burden snapshot",
        "description": "Full debt health assessment \u2014 burden score, DTI ratio, danger flags, priority actions, payoff projections.",
        "operationId": "debtSnapshot",
        "parameters": [
          {
            "name": "debts",
            "in": "query",
            "required": true,
            "schema": {
              "type": "string"
            },
            "description": "JSON array of debts"
          },
          {
            "name": "income",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            },
            "description": "Monthly income in USD"
          },
          {
            "$ref": "#/components/parameters/country"
          },
          {
            "$ref": "#/components/parameters/lang"
          }
        ],
        "responses": {
          "200": {
            "description": "Debt snapshot",
            "content": {
              "application/json": {
                "schema": {
                  "type": "object",
                  "properties": {
                    "total_debt": {
                      "type": "number"
                    },
                    "burden_score": {
                      "type": "number"
                    },
                    "burden_rating": {
                      "type": "string"
                    },
                    "debt_to_income_ratio": {
                      "type": "number"
                    },
                    "warning_flags": {
                      "type": "array"
                    },
                    "priority_actions": {
                      "type": "array"
                    },
                    "payoff_projection": {
                      "type": "object"
                    }
                  }
                }
              }
            }
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.1,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/debt/negotiate": {
      "get": {
        "summary": "Creditor negotiation playbook",
        "description": "Hardship program scripts, tactics, and realistic outcomes specific to the named creditor.",
        "operationId": "debtNegotiate",
        "parameters": [
          {
            "name": "creditor",
            "in": "query",
            "required": true,
            "schema": {
              "type": "string"
            },
            "description": "Creditor name (e.g., Capital One, Chase, Midland Credit)"
          },
          {
            "name": "balance",
            "in": "query",
            "required": true,
            "schema": {
              "type": "string"
            },
            "description": "Current balance in USD"
          },
          {
            "name": "months_behind",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "default": "0"
            },
            "description": "Number of months behind on payments"
          },
          {
            "$ref": "#/components/parameters/country"
          },
          {
            "$ref": "#/components/parameters/lang"
          }
        ],
        "responses": {
          "200": {
            "description": "Negotiation playbook",
            "content": {
              "application/json": {
                "schema": {
                  "type": "object",
                  "properties": {
                    "available_programs": {
                      "type": "array"
                    },
                    "opening_script": {
                      "type": "string"
                    },
                    "negotiation_tactics": {
                      "type": "array"
                    },
                    "realistic_outcomes": {
                      "type": "object"
                    }
                  }
                }
              }
            }
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.15,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/debt/settle": {
      "get": {
        "summary": "Debt settlement analysis",
        "description": "Realistic settlement percentages, negotiation script, tax implications (1099-C), and zombie debt warnings.",
        "operationId": "debtSettle",
        "parameters": [
          {
            "name": "creditor",
            "in": "query",
            "required": true,
            "schema": {
              "type": "string"
            }
          },
          {
            "name": "balance",
            "in": "query",
            "required": true,
            "schema": {
              "type": "string"
            }
          },
          {
            "name": "months_behind",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "default": "90"
            }
          },
          {
            "name": "debt_type",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "default": "credit_card"
            }
          },
          {
            "$ref": "#/components/parameters/lang"
          }
        ],
        "responses": {
          "200": {
            "description": "Settlement analysis",
            "content": {
              "application/json": {
                "schema": {
                  "type": "object"
                }
              }
            }
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.15,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/debt/collections": {
      "get": {
        "summary": "Debt collector rights",
        "description": "FDCPA/FCA/ACCC consumer rights, validation letter template, cease-and-desist template, violation reporting resources.",
        "operationId": "debtCollections",
        "parameters": [
          {
            "$ref": "#/components/parameters/country"
          },
          {
            "name": "collector",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            },
            "description": "Collection agency name"
          },
          {
            "name": "situation",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          },
          {
            "$ref": "#/components/parameters/lang"
          }
        ],
        "responses": {
          "200": {
            "description": "Consumer rights brief with letter templates"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.08,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/debt/statute": {
      "get": {
        "summary": "Statute of limitations lookup",
        "description": "SOL status, zombie debt detection, credit report timeline. Covers all 50 US states + UK, CA provinces, AU states.",
        "operationId": "debtStatute",
        "parameters": [
          {
            "name": "debt_type",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "default": "credit_card"
            },
            "description": "credit_card | medical | student_loan | auto | personal_loan"
          },
          {
            "name": "state",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            },
            "description": "US state code (e.g., TX, CA)"
          },
          {
            "$ref": "#/components/parameters/country"
          },
          {
            "name": "province",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            },
            "description": "CA province or AU state code"
          },
          {
            "name": "last_payment",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            },
            "description": "Date of last payment (YYYY-MM-DD) for expiry calculation"
          },
          {
            "$ref": "#/components/parameters/lang"
          }
        ],
        "responses": {
          "200": {
            "description": "SOL analysis",
            "content": {
              "application/json": {
                "schema": {
                  "type": "object",
                  "properties": {
                    "sol_years": {
                      "type": "number"
                    },
                    "sol_status": {
                      "type": "string"
                    },
                    "sol_expiry_date": {
                      "type": "string"
                    },
                    "is_zombie_debt": {
                      "type": "boolean"
                    },
                    "critical_warnings": {
                      "type": "array"
                    },
                    "credit_reporting_status": {
                      "type": "object"
                    }
                  }
                }
              }
            }
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.05,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/debt/garnishment": {
      "get": {
        "summary": "Wage garnishment analysis",
        "description": "Garnishment rules by jurisdiction \u2014 exempt states/countries, protected amounts, how to object.",
        "operationId": "debtGarnishment",
        "parameters": [
          {
            "$ref": "#/components/parameters/country"
          },
          {
            "name": "state",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          },
          {
            "name": "debt_type",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "default": "credit_card"
            }
          },
          {
            "name": "income",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          },
          {
            "$ref": "#/components/parameters/lang"
          }
        ],
        "responses": {
          "200": {
            "description": "Garnishment analysis"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.08,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/debt/student": {
      "get": {
        "summary": "Student loan strategy",
        "description": "Multi-country student loan intelligence: US (IDR/PSLF), UK (Plan 1-5), AU (HECS/HELP), CA (RAP).",
        "operationId": "debtStudent",
        "parameters": [
          {
            "$ref": "#/components/parameters/country"
          },
          {
            "name": "balance",
            "in": "query",
            "required": true,
            "schema": {
              "type": "string"
            }
          },
          {
            "name": "type",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "enum": [
                "federal",
                "private"
              ],
              "default": "federal"
            }
          },
          {
            "name": "income",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          },
          {
            "name": "employer_type",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            },
            "description": "government | nonprofit | private (for PSLF eligibility)"
          },
          {
            "name": "province",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            },
            "description": "CA province or UK plan type"
          },
          {
            "$ref": "#/components/parameters/lang"
          }
        ],
        "responses": {
          "200": {
            "description": "Student loan strategy"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.12,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/debt/credit": {
      "get": {
        "summary": "Credit repair roadmap",
        "description": "Country-specific credit repair \u2014 negative item analysis, dispute strategy, realistic timeline.",
        "operationId": "debtCredit",
        "parameters": [
          {
            "name": "score",
            "in": "query",
            "required": true,
            "schema": {
              "type": "string"
            }
          },
          {
            "$ref": "#/components/parameters/country"
          },
          {
            "name": "negatives",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            },
            "description": "Comma-separated list of negative items"
          },
          {
            "name": "goal",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          },
          {
            "$ref": "#/components/parameters/lang"
          }
        ],
        "responses": {
          "200": {
            "description": "Credit repair roadmap"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.1,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/debt/build-credit": {
      "get": {
        "summary": "Credit building strategy",
        "description": "Product recommendations, phased strategy, realistic milestones for building credit from thin or damaged files.",
        "operationId": "debtBuildCredit",
        "parameters": [
          {
            "name": "score",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "default": "0"
            }
          },
          {
            "$ref": "#/components/parameters/country"
          },
          {
            "name": "goal_score",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "default": "700"
            }
          },
          {
            "name": "income",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          },
          {
            "$ref": "#/components/parameters/lang"
          }
        ],
        "responses": {
          "200": {
            "description": "Credit building strategy"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.1,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/debt/dispute": {
      "get": {
        "summary": "Credit dispute guide",
        "description": "Dispute letter templates, bureau process, escalation path by country (FCRA/ICO/Privacy Act/PIPEDA).",
        "operationId": "debtDispute",
        "parameters": [
          {
            "$ref": "#/components/parameters/country"
          },
          {
            "name": "negative_items",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          },
          {
            "name": "bureau",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          },
          {
            "$ref": "#/components/parameters/lang"
          }
        ],
        "responses": {
          "200": {
            "description": "Dispute guide with letter templates"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.08,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/debt/insolvency": {
      "get": {
        "summary": "Insolvency analysis",
        "description": "Multi-country insolvency: US Chapter 7/13, UK IVA/DRO/bankruptcy, CA Consumer Proposal, AU Part IX/X.",
        "operationId": "debtInsolvency",
        "parameters": [
          {
            "$ref": "#/components/parameters/country"
          },
          {
            "name": "income",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          },
          {
            "name": "debts",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          },
          {
            "name": "assets",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          },
          {
            "name": "state",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          },
          {
            "$ref": "#/components/parameters/lang"
          }
        ],
        "responses": {
          "200": {
            "description": "Insolvency options analysis"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.2,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/debt/medical": {
      "get": {
        "summary": "Medical bill negotiation",
        "description": "Charity care application strategy, No Surprises Act rights, itemized bill audit, negotiation scripts.",
        "operationId": "debtMedical",
        "parameters": [
          {
            "name": "bill_amount",
            "in": "query",
            "required": true,
            "schema": {
              "type": "string"
            }
          },
          {
            "name": "situation",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "enum": [
                "uninsured",
                "underinsured",
                "surprise_bill",
                "out_of_network",
                "insurance_denied"
              ],
              "default": "uninsured"
            }
          },
          {
            "name": "insurance",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          },
          {
            "$ref": "#/components/parameters/lang"
          }
        ],
        "responses": {
          "200": {
            "description": "Medical bill negotiation strategy"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.1,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/debt/tax": {
      "get": {
        "summary": "Tax debt relief",
        "description": "IRS Fresh Start / HMRC Time to Pay / CRA Taxpayer Relief / ATO hardship \u2014 country-specific programs.",
        "operationId": "debtTax",
        "parameters": [
          {
            "$ref": "#/components/parameters/country"
          },
          {
            "name": "amount_owed",
            "in": "query",
            "required": true,
            "schema": {
              "type": "string"
            }
          },
          {
            "name": "years_behind",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "default": "1"
            }
          },
          {
            "name": "situation",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          },
          {
            "$ref": "#/components/parameters/lang"
          }
        ],
        "responses": {
          "200": {
            "description": "Tax debt relief analysis"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.12,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/debt/bnpl": {
      "get": {
        "summary": "BNPL true cost analysis",
        "description": "True APR calculation, platform-specific risks, escape/consolidation strategy for Klarna, Afterpay, Affirm, Zip, Sezzle.",
        "operationId": "debtBNPL",
        "parameters": [
          {
            "name": "platform",
            "in": "query",
            "required": true,
            "schema": {
              "type": "string",
              "enum": [
                "Affirm",
                "Klarna",
                "Afterpay",
                "Zip",
                "Sezzle",
                "PayBright",
                "Laybuy",
                "Paidy"
              ]
            }
          },
          {
            "name": "balance",
            "in": "query",
            "required": true,
            "schema": {
              "type": "string"
            }
          },
          {
            "name": "payments_remaining",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          },
          {
            "name": "payment_amount",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          },
          {
            "$ref": "#/components/parameters/lang"
          }
        ],
        "responses": {
          "200": {
            "description": "BNPL analysis and escape strategy"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.08,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/debt/payday": {
      "get": {
        "summary": "Payday loan escape",
        "description": "True APR, legal rights, extended payment plan options, ACH revocation instructions by state/country.",
        "operationId": "debtPayday",
        "parameters": [
          {
            "name": "balance",
            "in": "query",
            "required": true,
            "schema": {
              "type": "string"
            }
          },
          {
            "name": "fee_rate",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            },
            "description": "Fee rate (e.g., '$15 per $100')"
          },
          {
            "name": "state",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          },
          {
            "$ref": "#/components/parameters/country"
          },
          {
            "name": "lender",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          },
          {
            "$ref": "#/components/parameters/lang"
          }
        ],
        "responses": {
          "200": {
            "description": "Payday loan escape analysis"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.1,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/debt/mortgage-relief": {
      "get": {
        "summary": "Mortgage relief options",
        "description": "Forbearance, loan modification, repayment plans, HAF program, foreclosure alternatives by country.",
        "operationId": "debtMortgageRelief",
        "parameters": [
          {
            "$ref": "#/components/parameters/country"
          },
          {
            "name": "months_behind",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "default": "1"
            }
          },
          {
            "name": "servicer",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          },
          {
            "name": "loan_type",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "default": "Conventional"
            },
            "description": "Conventional | FHA | VA | USDA"
          },
          {
            "$ref": "#/components/parameters/lang"
          }
        ],
        "responses": {
          "200": {
            "description": "Mortgage relief analysis"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.12,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/debt/consolidate": {
      "get": {
        "summary": "Debt consolidation analysis",
        "description": "Personal loan vs balance transfer vs HELOC with specific lender recommendations and break-even math.",
        "operationId": "debtConsolidate",
        "parameters": [
          {
            "name": "debts",
            "in": "query",
            "required": true,
            "schema": {
              "type": "string"
            }
          },
          {
            "name": "credit_score",
            "in": "query",
            "required": true,
            "schema": {
              "type": "string"
            }
          },
          {
            "name": "income",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          },
          {
            "name": "homeowner",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string",
              "enum": [
                "true",
                "false"
              ],
              "default": "false"
            }
          },
          {
            "$ref": "#/components/parameters/country"
          },
          {
            "$ref": "#/components/parameters/lang"
          }
        ],
        "responses": {
          "200": {
            "description": "Consolidation analysis"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.1,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/debt/priority": {
      "get": {
        "summary": "Multi-factor debt priority",
        "description": "Priority ranking using: legal risk, SOL proximity, interest rate, collateral status, account health.",
        "operationId": "debtPriority",
        "parameters": [
          {
            "name": "debts",
            "in": "query",
            "required": true,
            "schema": {
              "type": "string"
            }
          },
          {
            "$ref": "#/components/parameters/country"
          },
          {
            "$ref": "#/components/parameters/lang"
          }
        ],
        "responses": {
          "200": {
            "description": "Priority ranking"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.1,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/debt/rights": {
      "get": {
        "summary": "Consumer debt rights",
        "description": "Governing laws, rights summary, collector prohibitions, enforcement bodies by country.",
        "operationId": "debtRights",
        "parameters": [
          {
            "$ref": "#/components/parameters/country"
          },
          {
            "$ref": "#/components/parameters/lang"
          }
        ],
        "responses": {
          "200": {
            "description": "Consumer rights summary"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.05,
        "x-agent-use-case": "on-demand"
      }
    },
    "/api/debt/freedom-roadmap": {
      "get": {
        "summary": "Debt freedom roadmap",
        "description": "Phase-by-phase plan from current debt to debt-free + 10-year wealth projection. Bridges to WealthPulse.",
        "operationId": "debtFreedomRoadmap",
        "parameters": [
          {
            "name": "debts",
            "in": "query",
            "required": true,
            "schema": {
              "type": "string"
            }
          },
          {
            "name": "income",
            "in": "query",
            "required": true,
            "schema": {
              "type": "string"
            },
            "description": "Monthly income in USD"
          },
          {
            "name": "savings",
            "in": "query",
            "required": false,
            "schema": {
              "type": "string"
            }
          },
          {
            "$ref": "#/components/parameters/country"
          },
          {
            "$ref": "#/components/parameters/lang"
          }
        ],
        "responses": {
          "200": {
            "description": "Debt freedom roadmap with wealth projection"
          },
          "402": {
            "description": "Payment required"
          }
        },
        "x-price-usd": 0.15,
        "x-agent-use-case": "on-demand"
      }
    }
  }
}