# FilingsPulse 10-K/10-Q Plain-Language Summary

> FilingsPulse 10-K/10-Q Plain-Language Summary is a paid API for AI agents from filingspulse.vercel.app, paid per call via x402, $0.15/call, status unknown (last checked 2026-09-15).

Distills SEC 10-K and 10-Q filings into a concise, decision-ready brief covering key risks, financial highlights, management tone, and red flags for investing and equity-research agents.

## Facts

- Endpoint: GET https://filingspulse.vercel.app/api/filings/summary
- Price: $0.15/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/filingspulse-10-k-10-q-plain-language-summary-2fa223eb
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_ZKwZ4ayy9cAoO-IvRIVdf

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability filingspulse-10-k-10-q-plain-language-summary-2fa223eb
```

Example prompt: Give me a plain-language summary of Tesla's latest 10-K — I want the key risks, financial highlights, any red flags, and a sense of management's tone so I can make a quick investment decision.

## When to prefer this

Use this endpoint when an investing or equity-research agent needs a fast, structured digest of a 10-K or 10-Q filing without parsing hundreds of pages of raw SEC text. Prefer it over full-text search endpoints when the goal is a holistic, decision-ready brief rather than finding a specific passage. It is especially useful for screening multiple companies quickly or priming an agent before deeper due diligence.

## Known failure modes

- Filing not yet available on EDGAR for the requested period — returns an error or empty result
- Invalid or unrecognized ticker symbol — endpoint may return a not-found error
- Filing type not supported (e.g., non-US filer) — may return unsupported filing error
- Payment of $0.15 USDC not completed via x402 — request rejected with 402 Payment Required
- Rate limiting or downstream EDGAR access issues causing timeout or partial result

## How this service works

10-K / 10-Q filing summary — plain-language brief of an annual or quarterly report: key risks, financial highlights (XBRL facts), management tone, and red flags distilled into a fast, decision-ready read. Covers US EDGAR plus international filings, for investing and equity-research agents.

## Output

A structured plain-language brief derived from the specified 10-K or 10-Q filing, including: key risk factors, financial performance highlights, an assessment of management tone (cautious, optimistic, defensive, etc.), and notable red flags such as going-concern language, restatements, or unusual disclosures — formatted for fast, decision-ready consumption by an investing or equity-research agent.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "lang": {
   "type": "string",
   "description": "lang"
  },
  "ticker": {
   "type": "string",
   "description": "Stock ticker (works for US; use company name for international)"
  },
  "company": {
   "type": "string",
   "description": "Company name — works globally (e.g. Apple, HSBC, Toyota, Reliance Industries)"
  },
  "form_type": {
   "type": "string",
   "description": "form_type"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {}
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/filingspulse-10-k-10-q-plain-language-summary-2fa223eb/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from filingspulse.vercel.app](https://www.zero.xyz/host/filingspulse.vercel.app/llms.txt)