Stability Oracle API

No authentication required. All responses are JSON. All prices in USD.

Base URL: https://stability.untitledfinancial.com

Version: v9.0 — 9-layer signal pipeline, USD structural health monitoring (12 independent signals, cross-validated against non-US sources), and AI synthesis on every response.

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GET /manifest

Protocol discovery. Call once and cache. Changes only when the protocol is updated.

curl https://stability.untitledfinancial.com/manifest

Key response fields:

Field	Type	Description
fees.coreBps	number	Core fee in basis points
fees.fxBps	number	FX fee in basis points (cross-currency only)
fees.licenseBps	number	License fee in basis points
fees.esgFormula	string	ESG fee formula
fees.typicalTotalBps	number	Typical all-in basis points
contracts.token	string	DPX token address on Base
onboarding.humanRequired	boolean	false

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GET /fee-schedule

Full fee table with all tiers. Cache this.

curl https://stability.untitledfinancial.com/fee-schedule

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GET /quote

Exact fee breakdown for a transaction. Returns a quoteId valid for 300 seconds.

curl "https://stability.untitledfinancial.com/quote?amountUsd=1000000&hasFx=true&esgScore=75"

Parameters:

Parameter	Type	Required	Default	Description
amountUsd	number	Yes	—	Transaction amount in USD
hasFx	boolean	No	false	Cross-currency? Triggers FX fee
esgScore	number	No	50	ESG score 0–100
monthlyVolumeUsd	number	No	0	For volume discount tier

Response — fees object:

Field	Example	Description
fees.core.bps	number	Core fee basis points
fees.core.usd	number	Core fee in USD
fees.fx.bps	number	FX fee basis points (0 if same-currency)
fees.esg.bps	number	ESG fee basis points
fees.esg.score	number	ESG score used
fees.esg.tier	string	ESG tier label
fees.license.bps	number	License fee basis points
fees.total.pct	number	All-in percentage
fees.total.usd	number	All-in USD amount
settlement.netUsd	number	Amount received after fees
quoteId	“dpx-…”	Pass to settlement router
validForSeconds	300	Quote validity window

POST /quote

Same as GET, accepts JSON body:

curl -X POST https://stability.untitledfinancial.com/quote \
  -H "Content-Type: application/json" \
  -d '{"amountUsd": 1000000, "hasFx": true, "esgScore": 75}'

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GET /verify-fees

Confirms the on-chain DPXSettlementRouter.previewFees() returns the same number as the quote. If feesMatch: true, safe to proceed with settlement.

curl "https://stability.untitledfinancial.com/verify-fees?amountUsd=1000000&hasFx=true&esgScore=75"

Key response field: feesMatch: true means the on-chain and off-chain fee calculations agree.

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GET /reliability

Live stability and trust signals. Check before large settlements.

curl https://stability.untitledfinancial.com/reliability

Key fields:

Field	Description
isHealthy	true if all systems nominal
stability.currentScore	0–100, >= 90 is stable
peg.deviationBps	Deviation from target peg, < 50 is normal
confidence.score	Oracle confidence 0–100
oracle.uptimePct	Historical uptime %

Decision table:

Condition	Action
isHealthy: true	Proceed
stability.currentScore >= 90	Normal operations
stability.currentScore 75–89	Proceed with caution
stability.currentScore < 75	Defer large settlements
peg.deviationBps >= 50	Hold — peg alert active

AI intelligence layer — when present, the intelligence object provides a synthesised view across all 32+ signals:

Field	Type	Description
intelligence.reasoning	string	Plain-language explanation of primary stability drivers and key risks
intelligence.confidence	number (0–1)	AI confidence in the synthesis, reflecting signal clarity and data quality
intelligence.alerts	string[]	Up to 3 concise action items for treasury and risk teams
intelligence.outlook	string	IMPROVING / STABLE / DETERIORATING / UNCERTAIN
intelligence.model	string	AI model used for synthesis
intelligence.generatedAt	string	ISO 8601 timestamp of synthesis

The intelligence field augments but does not replace the quantitative scores. Always use stability.currentScore and peg.deviationBps as the authoritative inputs for settlement decisions.

USD structural health — v9.0 adds a usdHealth object with 12 independent signals watching the US dollar’s structural trajectory:

Field	Description
usdHealth.score	0–100 composite USD structural confidence (higher = more stable)
usdHealth.structuralOutlook	WEAKENING / STABLE / STRENGTHENING / UNCERTAIN
usdHealth.confidenceInOfficialData	HIGH / MODERATE / LOW — flags when independent inflation data diverges from official sources by >1.5pp
usdHealth.usdStrengthConsensus	BULLISH / BEARISH / MIXED / NEUTRAL — cross-signal consensus
usdHealth.tradeWeightedUsd	Trade-weighted dollar index (26 currencies, Federal Reserve), trend direction
usdHealth.yieldCurve	T10Y2Y spread, INVERTED / FLAT / NORMAL, recession signal
usdHealth.breakevenInflation	10-year breakeven vs 2% target — elevated flag if >2.75%
usdHealth.fedBalanceSheet	Total Fed assets in trillions, EXPANDING / CONTRACTING / STABLE
usdHealth.gold	Gold price (USD), trend, interpretation — >$2500 = USD debasement signal
usdHealth.stablecoinHealth	USDT + USDC market caps, dominance ratio, stress signal
usdHealth.truflationVsBls	Independent inflation source vs official CPI — divergenceFlag: true if gap >1.5pp
usdHealth.divergenceAlerts	String array — populated when independent sources depart from official data
usdHealth.alerts	Active USD risk alerts (yield curve inversion, gold elevated, Fed expanding, etc.)

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GET /health

Liveness check.

curl https://stability.untitledfinancial.com/health
# {"status": "healthy", "oracle": "SUCCESS", "network": "base"}

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GET /api/status

Full raw oracle output from the latest run.

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GET /api/history

Array of last 24 oracle results.

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GET /api/adaptive/status

Adaptive layer diagnostics — current learned weights, prediction ledger count, and circuit breaker state.

curl https://stability.untitledfinancial.com/api/adaptive/status

Response:

Field	Description
status	ACTIVE / DISABLED (disabled if D1 not bound)
weights	Current adaptive tier weights { climate, commodity, macro, fx, basket, geopolitical, capital }
predictions	Total resolved prediction rows in the ledger
circuitBreakers	Array of breaker states { breaker_name, is_open, failure_count }

When the adaptive layer is active, weights will gradually drift from the default values as the system learns which tiers are most predictive. Autonomous on-chain policy execution is gated behind a confidence threshold that is disabled by default until validated for a given deployment. See Adaptive Layer for the safety model.

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Corridor Intelligence

POST /stability/corridor

Corridor-specific stability score for any currency pair. Combines the global oracle score with per-corridor regulatory penalties, FX session liquidity, weekend penalty, and cascade adjustment to produce an actionable settlement recommendation.

curl -X POST https://stability.untitledfinancial.com/stability/corridor \
  -H "Content-Type: application/json" \
  -d '{
    "from": "USD",
    "to": "BRL",
    "amount": 5000000
  }'

Field	Type	Description
from	string	Source currency (ISO-4217)
to	string	Destination currency (ISO-4217)
amount	number	Settlement amount in from currency (optional — triggers large-amount flag ≥ $5M)

Response fields:

Field	Description
synthesis	Plain-language settlement assessment for this corridor — always present
corridor.recommendation	SETTLE_NOW / DELAY_24H / DELAY_48H
corridor.score	0–100 composite (global oracle + corridor adj + liquidity + cascade penalty)
corridor.tier	OPTIMAL / FAVORABLE / CAUTION / ELEVATED_RISK / ADVERSE
corridor.regulatoryFlags	Jurisdiction-specific flags (e.g., BCB_RESOLUTION_561, CBN_CONTROLS)
components.corridorAdjustment	Static pair adjustment (−30 to +10)
components.cascadePenalty	−15 / −8 / −3 / 0 based on current cascade level
components.weekendPenalty	−8 if UTC day is Saturday or Sunday
regulatoryWarning	Present for BRL corridors only — see below
lastMilePartners	Present when destination requires local PSP conversion (e.g. BRL, NGN, PHP)

The synthesis field is a deterministic institutional-grade summary generated from the structured corridor data — score, tier, recommendation, regulatory flags, last-mile requirements, and global outlook. It is always present and does not require a payment or API key.

Example for USD→BRL:

USD→BRL corridor scores 42/100 (ELEVATED_RISK): adverse conditions recommend a 48-hour minimum deferral.
Active regulatory flags: BCB_RESOLUTION_561, IOF_APPLIED. Last-mile conversion required via a licensed
fintech (e.g. Wise). BCB Resolution 561 stablecoin eFX ban applies — verify compliant structure before
execution. Global macro outlook: UNCERTAIN.

BRL regulatory warning (regulatoryWarning):

Any corridor involving BRL returns a top-level regulatoryWarning object:

{
  "regulatoryWarning": {
    "flag": "BCB_RESOLUTION_561",
    "severity": "HIGH",
    "deadline": "2026-10-01",
    "daysRemaining": 90,
    "summary": "BCB Resolution 561 prohibits stablecoin eFX transactions in Brazil effective 2026-10-01.",
    "action": "Migrate BRL flows to a compliant structure before the deadline...",
    "source": "Banco Central do Brasil — Resolução BCB nº 561"
  }
}

Severity escalates to CRITICAL within 30 days of the deadline. The same warning appears in /flow-check responses for BRL pairs.

Last-mile partners (lastMilePartners):

For non-USD/EUR destination currencies, the response includes a lastMilePartners array of licensed PSPs that handle the fiat conversion leg. DPX settles the cross-border stablecoin leg; these partners handle local disbursement. Example for to=NGN:

{
  "lastMilePartners": [
    {
      "name": "Grey Finance",
      "type": "FINTECH",
      "licensor": "CBN",
      "note": "CBN-licensed — USD/USDC → NGN with virtual accounts",
      "url": "https://grey.co"
    },
    {
      "name": "Flutterwave",
      "type": "PSP",
      "licensor": "CBN",
      "note": "Pan-African PSP with NGN disbursement",
      "url": "https://flutterwave.com"
    }
  ]
}

Partners are provided for: BRL, NGN, PHP, INR, KES, GHS, TRY, MXN, ZAR, EGP, PKR, IDR, THB, VND, BDT, LKR, TZS, UGX, MAD, CLP, COP, PEN, ETB. USD, EUR, GBP, AED, SAR, QAR, SGD, HKD, JPY settle natively — no last-mile conversion needed.

Coverage: BRL, TRY, ARS, NGN, PKR, EGP, EUR, GBP, SGD, JPY, HKD, CNH, INR, MXN, ZAR, CLP, COP, PEN, BOB, UYU, KES, GHS, TZS, UGX, ETB, MAD, BDT, LKR, VND, PHP, IDR, THB, MYR, AED, SAR, QAR, ILS, PLN, CZK, RON, UAH. Unlisted pairs return the global oracle score without corridor adjustment.

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POST /stability/settlement-window

Optimal 4-hour execution windows over the next 72 hours, ranked by composite settlement score. Factors in oracle outlook, cascade decay/growth trajectory, FX session liquidity, and (optionally) counterparty ESG tier.

curl -X POST https://stability.untitledfinancial.com/stability/settlement-window \
  -H "Content-Type: application/json" \
  -d '{
    "from": "USD",
    "to": "EUR",
    "amount": 8000000,
    "lei": "7LTWFZYICNSX8D621K86"
  }'

Field	Type	Description
from	string	Source currency
to	string	Destination currency
amount	number	Settlement amount (optional)
lei	string	Counterparty LEI — pulls ESG score to adjust window scoring (optional)

Response fields:

Field	Description
windows	Array of 18 × 4h slots — each with UTC timestamp, compositeScore, liquidityScore, cascadeFactor, recommendation
optimalWindow	Highest-scored window with full details
esgTier	Counterparty ESG tier if LEI provided (affects fee but not window ranking)
largeAmountNote	Warning if amount ≥ $5M — recommends coordination with treasury desk

The scoring model decays cascade risk over time on IMPROVING outlooks (risk clears faster) and grows it on DETERIORATING outlooks (risk accumulates). Weekend slots apply a −8 liquidity penalty.

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Settlement Agent endpoints

Settlement execution, routing, and ISO 20022 intake live on the Settlement Agent (agent.untitledfinancial.com).

GET /route — Multi-stablecoin routing

Rank USDC, EURC, and USDT for any amount and currency pair. Returns the recommended token and a ready-to-use /settle body.

GET https://agent.untitledfinancial.com/route?amount=85000&from=USD&to=EUR

{
  "routingAdvice": {
    "recommendation": "EURC",
    "rationale": "EURC eliminates FX conversion for EUR destination — no cross-currency fee applied"
  },
  "options": [
    { "rank": 1, "token": "EURC", "isCrossCurrency": false },
    { "rank": 2, "token": "USDC", "isCrossCurrency": true },
    { "rank": 3, "token": "USDT", "isCrossCurrency": true }
  ],
  "settleEndpoint": "https://agent.untitledfinancial.com/settle"
}

No auth required. Response is valid for ttlSeconds (300s).

POST /iso20022 — ISO 20022 pain.001 intake

See SWIFT Compatibility for the full reference.

GET /widget/corridors — Embeddable corridor health widget

Returns server-rendered HTML showing OPTIMAL / CAUTION / ADVERSE badges for all USD corridors. No API key required. Embed as an iframe.

<iframe src="https://stability.untitledfinancial.com/widget/corridors"
  width="100%" height="320" style="border:none;border-radius:8px"></iframe>

See Compliance Oracle API for the full embeddable widget reference.

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Machine Discovery

URL	Format
https://stability.untitledfinancial.com/openapi.json	OpenAPI 3.0
https://stability.untitledfinancial.com/.well-known/ai-plugin.json	Agent plugin manifest
https://stability.untitledfinancial.com/llms.txt	LLM navigation index
https://stability.untitledfinancial.com/llms-full.txt	Full docs for LLM context