WealthPulse · Wealth Emergency

import { wrapFetchWithPayment } from "@x402/fetch";
import { privateKeyToAccount } from "viem/accounts";

const account = privateKeyToAccount(process.env.PRIVATE_KEY);
const fetchWithPay = wrapFetchWithPayment(fetch, account);

const res = await fetchWithPay("https://wealthpulse.theaslangroupllc.com/api/wealth/emergency", {
  method: "GET",
});
const data = await res.json();

curl -X GET \
  "https://wealthpulse.theaslangroupllc.com/api/wealth/emergency?dependents=2&job_type=stable" \
  -H "X-PAYMENT: <signed x402 payment>"

{
  "amazon_link": "https://www.amazon.com/s?k=building+an+emergency+fund&tag=pulsenetwork7-20",
  "amazon_search": "building an emergency fund",
  "best_accounts": [
    {
      "account_type": "HYSA",
      "best_for": "the full 6-month target",
      "cons": [
        "rate can drop with Fed cuts"
      ],
      "current_apy_range": "4.5-5.0% APY",
      "pros": [
        "FDIC insured",
        "instant access"
      ]
    }
  ],
  "current_gap": "$20,800 remaining to reach target",
  "disclaimer": "For informational purposes only. Interest rates change frequently — verify current APYs at bankrate.com or NerdWallet before opening an account.",
  "funding_strategy": {
    "first_move": "Open a HYSA and automate a transfer on payday",
    "monthly_savings_goal": "$1,733",
    "months_to_goal": "12"
  },
  "reasoning": "Two dependents and stable W-2 income support a standard 6-month target",
  "recommended_months": 6,
  "target_amount": {
    "calculation_basis": "$3,800 monthly expenses x 6 months",
    "high_estimate": "$26,600",
    "low_estimate": "$19,000",
    "target": "$22,800"
  }
}