{
  "schema_version": "2026-11-12.1",
  "reviewed_at": "2026-11-12",
  "hub": "https://www.ratezip.com/agents/access",
  "public_research": {
    "mcp": "https://mcp.ratezip.com/mcp",
    "authentication_required": false,
    "contact_details_required": false,
    "result_types": ["observed_published_rate", "illustrative_calculation"]
  },
  "shared_service": {
    "mcp": "https://mcp.ratezip.com/mcp/quotes",
    "api": "https://mcp.ratezip.com/quote-service/v1",
    "availability": "https://mcp.ratezip.com/quote-service/v1/capabilities",
    "public_tools": ["get_quote_capabilities", "get_quote_requirements"],
    "private_actions": "unavailable_until_customer_authorization_is_configured",
    "verified_provider_quote_products": [],
    "verified_provider_quote_states": [],
    "verified_external_assistants": [],
    "required_authorization": {
      "resource": "https://mcp.ratezip.com/mcp/quotes",
      "protected_resource_metadata": "https://mcp.ratezip.com/.well-known/oauth-protected-resource/mcp/quotes",
      "transport": "Authorization header; never a URL or session ID",
      "scopes": ["quotes:read", "quotes:store", "quotes:share", "quotes:help", "quotes:revoke"],
      "customer_approval": "The issuer must bind imported fields, resumed sessions and exact provider disclosure hashes to the customer grant. Storage, sharing, sales contact, monitoring and transactions are separate."
    },
    "https_example": {
      "method": "GET",
      "url": "https://mcp.ratezip.com/quote-service/v1/capabilities"
    },
    "mcp_example": {"jsonrpc": "2.0", "id": 1, "method": "tools/call", "params": {"name": "get_quote_capabilities", "arguments": {}}},
    "private_request_pattern": "POST /quote-service/v1/tools/{tool_name} with JSON arguments and a customer-delegated bearer token. Do not send private information while capabilities report private_actions=false.",
    "idempotency": "Keep one stable key per approved submission. After a timeout, read status; do not create a fresh session or key to repeat an uncertain inquiry.",
    "recovery": "401: reconnect with customer authorization. 403: obtain the specific missing permission. 409: reread the session or disclosure. 422: correct only named information. 429: wait. 503: continue public research and recheck availability."
  },
  "browser": "https://www.ratezip.com/agents/access/browser-access.json",
  "phone": {"available": false, "number": null, "hours": null},
  "monitoring": {"available": false},
  "claims": "A completed intake, lead, prefilled referral or click is not a delivered quote. Existing Figure consumer consent is separate. No external assistant compatibility is claimed for the new shared quote journey."
}