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Tier System

Fincept API uses a 4-tier system to organize modules by complexity and computational cost. This guide explains tier access, credit costs, and how to choose the right tier.

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Overview

TierCostModulesEndpointsAccess
Free0 credits265Everyone
Basic1 credit4130Free + paid users
Standard2 credits6178Free + paid users
Pro5 credits6124Free + paid users

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How Tiers Work

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Access Model

All users can access all tiers - you just pay per use:
  • Free tier: Always 0 credits (unlimited access)
  • Basic/Standard/Pro: Credits deducted per request
You don’t need a subscription to access higher tiers! Free account users can call Pro tier endpoints - they just pay 5 credits per request.

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Example: Free Account User

Account: Free (350 signup credits)
Can access:
   Free tier: Unlimited (0 credits)
   Basic tier: 350 requests (1 credit each)
   Standard tier: 175 requests (2 credits each)
   Pro tier: 70 requests (5 credits each)

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Tier Breakdown

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Free Tier (0 credits)

Modules: Core, Scheduling Best for: Date handling, calendars, basic utilities Key endpoints:
  • Business day checks
  • Date arithmetic
  • Day count calculations
  • Schedule generation
  • Calendar operations
No subscription needed!

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Basic Tier (1 credit)

Modules: Statistics, Numerical, Solver, Economics Best for: Statistical analysis, numerical methods, simple optimization Key endpoints:
  • Statistical distributions
  • Time series (ARIMA, GARCH)
  • Numerical integration
  • Bond yield calculation
  • Economic models
Example cost: 100 requests = 100 credits = ₹199 (one-time) or included in Basic plan

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Standard Tier (2 credits)

Modules: Analysis, Curves, Pricing, Instruments, Stochastic, Volatility Best for: Options pricing, fixed income, portfolio analysis Key endpoints:
  • Black-Scholes pricing
  • Yield curves
  • Bond/swap pricing
  • Monte Carlo simulation
  • Volatility surfaces
Example cost: 100 requests = 200 credits = covered by Basic plan (500 credits/month)

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Pro Tier (5 credits)

Modules: Models, Portfolio, Risk, Regulatory, ML, Physics Best for: Advanced models, risk management, regulatory compliance Key endpoints:
  • Heston model pricing
  • Portfolio optimization
  • VaR/CVA calculation
  • Basel III compliance
  • Credit scoring ML
Example cost: 100 requests = 500 credits = covered by Basic plan

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Tier Access Control

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Attempting Higher Tier Without Access

This is ALLOWED! You just pay the credit cost: 
# Free account user calling Pro tier
curl -X POST https://finceptbackend.share.zrok.io/quantlib/risk/var \
  -H "X-API-Key: fk_user_your_key" \
  -d '{"returns": [...], "confidence_level": 0.95}'
Response if sufficient credits: 
{
  "success": true,
  "data": {"var": 0.0234}
}
Credits deducted: 5 Response if insufficient credits: 
{
  "success": false,
  "message": "Insufficient credits",
  "detail": "Required: 5 credits, Available: 2 credits"
}

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Enterprise Tier Exception

Enterprise accounts have unlimited access to all tiers without credit deduction: 
{
  "account_type": "enterprise",
  "credit_balance": "unlimited",
  "tier_access": "all"
}

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Choosing the Right Tier

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By Use Case

Options Trading: 
Primary: Standard (pricing, curves, volatility)
Secondary: Pro (advanced models, Greeks)
Occasional: Basic (statistics)
Utility: Free (dates, calendars)
Fixed Income: 
Primary: Standard (instruments, curves, pricing)
Secondary: Basic (solvers for yield/duration)
Utility: Free (day counts, schedules)
Risk Management: 
Primary: Pro (VaR, stress testing, CVA)
Secondary: Standard (stochastic processes)
Supporting: Basic (statistics)
Regulatory Reporting: 
Primary: Pro (regulatory, risk)
Secondary: Standard (instruments, pricing)
Supporting: Basic (numerical methods)

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By Budget

Budget < ₹500/month:
  • Use Free account (350 credits)
  • Buy one-time packs as needed
  • Focus on Free/Basic tier endpoints
Budget ₹500-2,000/month:
  • Subscribe to Basic plan (500 credits)
  • Supplement with one-time packs
  • Mix of all tiers
Budget ₹2,000-5,000/month:
  • Subscribe to Standard plan (2,500 credits)
  • Heavy Standard/Pro tier usage
  • Professional applications
Budget > ₹5,000/month:
  • Subscribe to Pro plan (7,500 credits)
  • Or contact enterprise sales
  • High-volume production use

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Tier Migration

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Start Small, Scale Up

Recommended progression: 
1. Free Account (350 credits)
   ↓ Test various endpoints
2. Basic Plan (500/month)
   ↓ Regular usage established
3. Standard Plan (2,500/month)
   ↓ Production deployment
4. Pro Plan (7,500/month)
   ↓ Scale and performance
5. Enterprise (unlimited)

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Flexibility

Switch plans anytime:
  • Upgrade: Immediate effect
  • Downgrade: End of billing period
  • Cancel: No penalty
  • One-time purchases: Supplement any plan

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Next Steps

View Plans

Compare all subscription options

Credit System

Understand how credits work

Pricing Calculator

Estimate your costs

API Reference

Browse endpoints by tier