WealthPulse · Wealth Snapshot

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/snapshot", {
  method: "GET",
});
const data = await res.json();

curl -X GET \
  "https://wealthpulse.theaslangroupllc.com/api/wealth/snapshot?age=38" \
  -H "X-PAYMENT: <signed x402 payment>"

{
  "amazon_link": "https://www.amazon.com/s?k=personal+finance+fundamentals&tag=pulsenetwork7-20",
  "amazon_search": "personal finance fundamentals",
  "concerns": [
    "Emergency fund covers only 2.6 months",
    "Debt-to-income at 33% limits flexibility"
  ],
  "disclaimer": "For informational purposes only. Not financial, tax, or legal advice. Consult a licensed financial advisor for personalized guidance.",
  "health_score": "okay",
  "highest_leverage_moves": [
    {
      "action": "Build emergency fund to 6 months",
      "effort": "medium",
      "impact": "high",
      "rank": 1,
      "why": "Removes the risk of high-interest debt during an income gap"
    },
    {
      "action": "Eliminate the highest-rate debt first",
      "effort": "medium",
      "impact": "high",
      "rank": 2,
      "why": "Frees up cash flow and stops compounding interest"
    }
  ],
  "key_ratios": {
    "debt_to_income": "0.33",
    "emergency_fund_months": "2.6",
    "savings_rate": "27%"
  },
  "net_worth_estimate": "$17,000",
  "rate_context": "Current savings rates favor keeping the emergency fund in a HYSA rather than idle cash",
  "strengths": [
    "27% savings rate",
    "no high-interest revolving balances growing"
  ],
  "summary": "Solid savings rate but debt and a thin emergency fund are holding back real progress."
}