# Money Mind — Clustered T-Stat Adjudication

> Money Mind — Clustered T-Stat Adjudication is a paid API for AI agents from money-mind-extract.onrender.com, paid per call via x402, $0.25/call, status unknown (last checked 2026-10-18).

Corrects inflated t-statistics in backtests by clustering trades by date to account for non-independence, returning both naive and date-adjusted t-values.

## Facts

- Endpoint: POST https://money-mind-extract.onrender.com/clusteredt?utm_source=zero.xyz
- Price: $0.25/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-18
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/money-mind-clustered-t-stat-adjudication-a37ccb31
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_U_efdVJav_tKGz9Q9ADfH

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 money-mind-clustered-t-stat-adjudication-a37ccb31 -d '<json body>'
```

Example prompt: I have a backtest where multiple trades happen on the same day — can you check whether my t-stat of 5.98 is inflated by date clustering? Here are the per-trade returns and their dates.

## When to prefer this

Use this endpoint when your backtest has multiple trades on the same day, trades in the same market regime, or a correlated basket — any situation where the standard independent-draws t-stat assumption is violated. It directly quantifies how inflated your t-stat is, providing both naive and corrected values so you can assess whether your strategy's edge is real or a statistical artifact of clustering.

## Known failure modes

- Missing required per-trade returns or dates causes validation error
- Too few unique trading dates to compute a meaningful cluster adjustment
- All trades on unique dates — clustering has no effect, inflation factor near 1.0
- Payment failure in USDC on Base blocks the call
- Malformed date formats in the trade log cause parsing errors

## How this service works

Pay-per-call adjudication for trading research.
Eleven gates that killed 35 of our own concepts. Is your backtest real, is your
price data real, is your t-stat inflated? USDC on Base, no account needed.

## Output

Returns a JSON object with the naive (unadjusted) t-statistic, the date-clustered (corrected) t-statistic, the number of independent trading days identified, and the inflation factor — showing how much the naive t-stat overstates true statistical significance due to non-independent trades.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method",
    "body"
   ],
   "properties": {
    "body": {
     "type": "object",
     "description": "Use when your trades are not independent — several in the same day, the same regime, or a correlated basket. A t-stat computed as if every trade were an independent draw is inflated; in this repo the factor was about 1.9x. Give per-trade returns and their dates; returns the naive t, the date-cluster"
    },
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "POST"
     ],
     "type": "string"
    },
    "bodyType": {
     "enum": [
      "json"
     ],
     "type": "string"
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "naive_t": 5.98,
  "date_clustered_t": 1.29,
  "independent_days": 10,
  "inflation_factor": 4.65
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/money-mind-clustered-t-stat-adjudication-a37ccb31/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from money-mind-extract.onrender.com](https://www.zero.xyz/host/money-mind-extract.onrender.com/llms.txt)