{"openapi":"3.1.0","info":{"title":"Microloans API","version":"0.1.0","description":"Microfinance / microloan concept reference: what microfinance is, common use cases, typical structures, a glossary, and a real simple-interest vs. reducing-balance-interest calculator with a month-by-month amortization schedule.\n\nEvery operation is read-only or compute-only. The same tools are available over MCP (streamable HTTP) at https://microloans.connectorbay.com/mcp.","contact":{"name":"Unify Dynamics LLC","email":"hr@unifydynamics.com","url":"https://connectorbay.com/microloans/docs"},"termsOfService":"https://connectorbay.com/microloans/terms"},"servers":[{"url":"https://microloans.connectorbay.com"}],"externalDocs":{"url":"https://connectorbay.com/microloans/docs"},"security":[{},{"bearer":[]}],"components":{"securitySchemes":{"bearer":{"type":"http","scheme":"bearer","description":"Optional. A Pro API key raises rate limits; no credentials are required."}},"schemas":{"Error":{"type":"object","properties":{"ok":{"const":false},"error":{"type":"object"}}}}},"paths":{"/v1/tools/what_is_microfinance":{"post":{"operationId":"what_is_microfinance","summary":"What microfinance is and how it differs from traditional lending: loan size, collateral, documentation,","description":"What microfinance is and how it differs from traditional lending: loan size, collateral, documentation,\n    the lender's cost of capital, and delivery model. Use for \"what's the difference between microfinance and a \"\n    \"regular bank loan\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{},"title":"what_is_microfinanceArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/microloan_use_cases":{"post":{"operationId":"microloan_use_cases","summary":"Common real-world microloan use cases: small-business working capital, equipment/tools, agricultural","description":"Common real-world microloan use cases: small-business working capital, equipment/tools, agricultural\n    inputs, home improvement/energy access, emergency needs, and education. Use for \"what do people use \"\n    \"microloans for\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{},"title":"microloan_use_casesArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/typical_structures":{"post":{"operationId":"typical_structures","summary":"Common microloan structures: group lending/joint liability, progressive (stepped) lending, individual","description":"Common microloan structures: group lending/joint liability, progressive (stepped) lending, individual\n    character-based lending, village banking, and digital/mobile microloans — and why they substitute for\n    collateral. Use for \"what is joint liability lending\", \"how does group lending work\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{},"title":"typical_structuresArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/microloan_glossary":{"post":{"operationId":"microloan_glossary","summary":"Definitions of common microfinance terms (microfinance institution, joint liability group, portfolio at","description":"Definitions of common microfinance terms (microfinance institution, joint liability group, portfolio at\n    risk, simple interest, reducing balance interest, effective interest rate/APR, Grameen model, financial\n    inclusion, predatory lending). Use for \"what's portfolio at risk\", \"what does reducing balance mean\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"term":{"anyOf":[{"type":"string"},{"type":"null"}],"default":null,"description":"A specific term to look up; omit to list all.","title":"Term"}},"title":"microloan_glossaryArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}},"/v1/tools/compare_interest_methods":{"post":{"operationId":"compare_interest_methods","summary":"REAL calculator (genuine computed arithmetic, not a lookup): compares the true cost of the SAME stated","description":"REAL calculator (genuine computed arithmetic, not a lookup): compares the true cost of the SAME stated\n    annual interest rate under simple interest (charged on the full original principal for the whole term) vs.\n    reducing-balance interest (charged only on principal still outstanding, as in a standard amortizing loan),\n    with equal-installment repayment schedules, the true annualized (reducing-balance-equivalent) rate a\n    simple-interest borrower actually pays, and the full month-by-month reducing-balance amortization schedule.\n    Use for \"compare simple vs reducing balance interest on a $1000 loan at 24% for 12 months\", \"is a 24% flat \"\n    \"interest microloan a good deal\".","tags":["tools"],"requestBody":{"required":true,"content":{"application/json":{"schema":{"properties":{"principal":{"description":"Loan principal amount.","exclusiveMinimum":0,"title":"Principal","type":"number"},"annual_rate_pct":{"description":"Stated annual interest rate, %.","exclusiveMinimum":0,"title":"Annual Rate Pct","type":"number"},"term_months":{"description":"Loan term in months.","exclusiveMinimum":0,"maximum":600,"title":"Term Months","type":"integer"}},"required":["principal","annual_rate_pct","term_months"],"title":"compare_interest_methodsArguments","type":"object"}}}},"responses":{"200":{"description":"Tool result. `ok: true` on success; `ok: false` with a structured `error` (provider_unavailable, upstream_error, bad_input) when the tool could not answer.","content":{"application/json":{"schema":{"type":"object","additionalProperties":true}}}},"422":{"description":"Arguments failed validation","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}},"429":{"description":"Rate limit exceeded (see Retry-After)","content":{"application/json":{"schema":{"$ref":"#/components/schemas/Error"}}}}},"x-read-only":true}}}}