{
  "name": "OnFRA — Onfra Financial Intelligence Agent",
  "version": "2026-06-08",
  "description": "MCP discovery for OnFRA (OnChain Financial Reputation Agent) on Onfra. Analyzes Celo wallet activity — transaction history, cash flow, wallet age, and asset composition — to produce financial health scores, reputation ratings, income stability, portfolio risk, loan capacity, and Verified Financial Reputation Reports. Query any wallet address or use the Onfra dashboard at https://wallet-profile-orpin.vercel.app.",
  "auth": {
    "scheme": "x402",
    "chain": "celo",
    "chainId": 42220,
    "currency": "0x48065fbBE25f71C9282ddf5e1cD6D6A887483D5e",
    "currencySymbol": "USDT",
    "paymentHeader": "X-PAYMENT",
    "alternateHeaders": ["PAYMENT-SIGNATURE", "x-payment"],
    "pricing": {
      "own_wallet_query": "free",
      "external_wallet_query": "0.01 USDT",
      "verified_financial_reputation_report": "0.10 USDT"
    }
  },
  "tools": [
    {
      "name": "analyze_wallet",
      "description": "Analyze any Celo wallet address. Returns Financial Health Score, Wallet Reputation Score, Income Stability classification, Portfolio Risk Exposure, loan capacity, and AI financial summary. Own wallet is free; external queries cost 0.01 USDT via x402.",
      "inputSchema": {
        "type": "object",
        "required": ["walletAddress"],
        "properties": {
          "walletAddress": {
            "type": "string",
            "pattern": "^0x[a-fA-F0-9]{40}$",
            "description": "EVM wallet address to analyze (Celo-first)."
          },
          "months": {
            "type": "integer",
            "minimum": 1,
            "maximum": 12,
            "default": 3,
            "description": "Months of transaction history for cash-flow statement."
          },
          "includeAttestation": {
            "type": "boolean",
            "default": true
          },
          "fields": {
            "type": "array",
            "items": {
              "type": "string",
              "enum": [
                "monthlyIncome",
                "financialHealth",
                "reputationScore",
                "loanCapacity",
                "statement",
                "assessment",
                "walletData"
              ]
            },
            "description": "Optional subset of fields instead of full walletData."
          },
          "force": {
            "type": "boolean",
            "default": false
          }
        }
      }
    },
    {
      "name": "get_wallet_signal",
      "description": "Read one reputation signal from cached analysis (free). Signal ids: monthly-income, financial-health, reputation-score, loan-capacity, statement, assessment. Returns 404 with hint to analyze_wallet if cache is missing.",
      "inputSchema": {
        "type": "object",
        "required": ["walletAddress", "signal"],
        "properties": {
          "walletAddress": {
            "type": "string",
            "pattern": "^0x[a-fA-F0-9]{40}$"
          },
          "signal": {
            "type": "string",
            "enum": [
              "monthly-income",
              "financial-health",
              "reputation-score",
              "loan-capacity",
              "statement",
              "assessment"
            ]
          }
        }
      }
    },
    {
      "name": "chat_query",
      "description": "Natural-language query about any wallet's financial health, reputation, income stability, portfolio risk, or loan capacity. Own wallet is free; external queries cost 0.01 USDT via x402 when enforcement is enabled.",
      "inputSchema": {
        "type": "object",
        "required": ["message"],
        "properties": {
          "message": {
            "type": "string",
            "description": "Question about a wallet's financial reputation."
          },
          "walletAddress": {
            "type": "string",
            "pattern": "^0x[a-fA-F0-9]{40}$",
            "description": "Target wallet. Required for external wallet queries."
          },
          "history": {
            "type": "array",
            "items": {
              "type": "object",
              "properties": {
                "role": { "type": "string", "enum": ["user", "assistant", "system"] },
                "content": { "type": "string" }
              }
            }
          }
        }
      }
    },
    {
      "name": "screen_wallet",
      "description": "Lender underwriting screen for a borrower wallet. Returns trustworthiness (trust.isTrustworthy), wallet reputation, average monthly income estimate, and loan capacity range (with confidence). Own wallet is free; external queries cost 0.01 USDT via x402.",
      "inputSchema": {
        "type": "object",
        "required": ["walletAddress"],
        "properties": {
          "walletAddress": {
            "type": "string",
            "pattern": "^0x[a-fA-F0-9]{40}$",
            "description": "Borrower wallet to screen."
          },
          "force": {
            "type": "boolean",
            "default": false
          }
        }
      }
    },
    {
      "name": "generate_report",
      "description": "Purchase a Verified Financial Reputation Report with transaction statements, scores, AI summary, and verification code. Costs 0.10 USDT via x402.",
      "inputSchema": {
        "type": "object",
        "required": ["walletAddress"],
        "properties": {
          "walletAddress": {
            "type": "string",
            "pattern": "^0x[a-fA-F0-9]{40}$"
          },
          "periodMonths": {
            "type": "integer",
            "minimum": 1,
            "maximum": 12,
            "default": 3,
            "description": "Statement period: 3, 6, or 12 months."
          }
        }
      }
    },
    {
      "name": "verify_report",
      "description": "Confirm a Verified Financial Reputation Report verification code (WP-...) or report ID (REP-...) was issued by OnFRA on Onfra.",
      "inputSchema": {
        "type": "object",
        "required": ["reportId"],
        "properties": {
          "reportId": {
            "type": "string",
            "description": "Report ID (REP-...) or verification code (WP-...)."
          }
        }
      }
    }
  ],
  "prompts": [
    { "name": "financial_health", "description": "What is the Financial Health Score for this wallet?" },
    { "name": "reputation_check", "description": "What is this wallet's reputation and trust rating?" },
    { "name": "income_stability", "description": "Is this wallet a stable earner? What is the income classification?" },
    { "name": "portfolio_risk", "description": "What is the portfolio risk exposure for this wallet?" },
    { "name": "loan_capacity", "description": "How much can this wallet safely borrow?" },
    { "name": "verified_report", "description": "Generate a Verified Financial Reputation Report for lending." }
  ],
  "resources": [
    {
      "uri": "https://wallet-profile-orpin.vercel.app/schemas/lenderScreenRequest.schema.json",
      "name": "Lender Screen Request Schema"
    },
    {
      "uri": "https://wallet-profile-orpin.vercel.app/schemas/lenderScreenResult.schema.json",
      "name": "Lender Screen Result Schema"
    },
    {
      "uri": "https://wallet-profile-orpin.vercel.app/schemas/walletAnalysisRequest.schema.json",
      "name": "Wallet Analysis Request Schema"
    },
    {
      "uri": "https://wallet-profile-orpin.vercel.app/schemas/walletAnalysisResult.schema.json",
      "name": "Wallet Analysis Result Schema"
    },
    {
      "uri": "https://wallet-profile-orpin.vercel.app/schemas/walletSignalResult.schema.json",
      "name": "Wallet Signal Result Schema"
    },
    {
      "uri": "https://wallet-profile-orpin.vercel.app/schemas/chatRequest.schema.json",
      "name": "Chat Request Schema"
    },
    {
      "uri": "https://wallet-profile-orpin.vercel.app/schemas/reportRequest.schema.json",
      "name": "Report Request Schema"
    },
    {
      "uri": "https://wallet-profile-orpin.vercel.app/schemas/reportResult.schema.json",
      "name": "Report Result Schema"
    }
  ],
  "examples": [
    {
      "prompt": "Analyze this Celo wallet for microfinance lending eligibility",
      "tool": "analyze_wallet",
      "input": {
        "walletAddress": "0x4821ced48fb4456055c86e42587f61c1f39c6315",
        "months": 3
      }
    },
    {
      "prompt": "Can this freelancer wallet prove stable income?",
      "tool": "chat_query",
      "input": {
        "message": "What is the income stability classification and monthly inflow estimate?",
        "walletAddress": "0x4821ced48fb4456055c86e42587f61c1f39c6315"
      }
    },
    {
      "prompt": "Should we approve this borrower wallet for a microloan?",
      "tool": "screen_wallet",
      "input": {
        "walletAddress": "0x4821ced48fb4456055c86e42587f61c1f39c6315"
      }
    },
    {
      "prompt": "Purchase a Verified Financial Reputation Report for a loan application",
      "tool": "generate_report",
      "input": {
        "walletAddress": "0x4821ced48fb4456055c86e42587f61c1f39c6315",
        "periodMonths": 3
      }
    }
  ],
  "integration": {
    "note": "OnFRA lender infrastructure: https://wallet-profile-orpin.vercel.app/developers · Lender screen: 0.01 USDT · Full analyze: 0.01 USDT · Verified report: 0.10 USDT · REST: screen_wallet → POST /api/lender/screen · analyze_wallet → POST /api/agent/analyze · get_wallet_signal → GET /api/wallet/{address}/signals/{signal} · chat_query → POST /api/agent/chat · generate_report → POST /api/agent/report · verify_report → GET /api/agent/verify/{reportId}",
    "routes": {
      "screen_wallet": { "method": "POST", "path": "/api/lender/screen" },
      "analyze_wallet": { "method": "POST", "path": "/api/agent/analyze" },
      "get_wallet_signal": { "method": "GET", "path": "/api/wallet/{address}/signals/{signal}" },
      "chat_query": { "method": "POST", "path": "/api/agent/chat" },
      "generate_report": { "method": "POST", "path": "/api/agent/report" },
      "verify_report": { "method": "GET", "path": "/api/agent/verify/{reportId}" }
    }
  }
}