> ## Documentation Index
> Fetch the complete documentation index at: https://docs.fincept.in/llms.txt
> Use this file to discover all available pages before exploring further.

# Tier System

> Understanding tier access control and module organization

# 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.

## Overview

| Tier         | Cost      | Modules | Endpoints | Access            |
| ------------ | --------- | ------- | --------- | ----------------- |
| **Free**     | 0 credits | 2       | 65        | Everyone          |
| **Basic**    | 1 credit  | 4       | 130       | Free + paid users |
| **Standard** | 2 credits | 6       | 178       | Free + paid users |
| **Pro**      | 5 credits | 6       | 124       | Free + paid users |

## How Tiers Work

### 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

<Info>
  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.
</Info>

### 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)
```

## Tier Breakdown

### 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!**

### 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

### 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)

### 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

## Tier Access Control

### Attempting Higher Tier Without Access

**This is ALLOWED!** You just pay the credit cost:

```bash theme={null}
# Free account user calling Pro tier
curl -X POST https://api.fincept.in/quantlib/risk/var \
  -H "X-API-Key: fk_user_your_key" \
  -d '{"returns": [...], "confidence_level": 0.95}'
```

**Response if sufficient credits:**

```json theme={null}
{
  "success": true,
  "data": {"var": 0.0234}
}
```

**Credits deducted:** 5

**Response if insufficient credits:**

```json theme={null}
{
  "success": false,
  "message": "Insufficient credits",
  "detail": "Required: 5 credits, Available: 2 credits"
}
```

### Enterprise Tier Exception

Enterprise accounts have **unlimited access** to all tiers without credit deduction:

```json theme={null}
{
  "account_type": "enterprise",
  "credit_balance": "unlimited",
  "tier_access": "all"
}
```

## Choosing the Right Tier

### 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)
```

### 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

## Tier Migration

### 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)
```

### Flexibility

Switch plans anytime:

* Upgrade: Immediate effect
* Downgrade: End of billing period
* Cancel: No penalty
* One-time purchases: Supplement any plan

## Next Steps

<CardGroup cols={2}>
  <Card title="View Plans" icon="credit-card" href="/subscription-plans">
    Compare all subscription options
  </Card>

  <Card title="Credit System" icon="coins" href="/credit-system">
    Understand how credits work
  </Card>

  <Card title="Pricing Calculator" icon="calculator" href="/pricing">
    Estimate your costs
  </Card>

  <Card title="API Reference" icon="book" href="/api-reference">
    Browse endpoints by tier
  </Card>
</CardGroup>