# dreamqualify

> Agent-payable eligibility navigator — detect benefits/coverage/credits a person qualifies for but misses; value collectibles for insurance/grading eligibility. Rule-cited, never a guarantee. Built for autonomous AI agents.
> Pay-per-call over the Model Context Protocol using the x402 "Payment Required"
> standard (Coinbase x402, USDC on base). No signup, no API key to read the
> free tiers; pay only for the premium result.

## MCP endpoint

- https://qualify.dropwatchhq.com/mcp  (transport: streamable-http; call tools/list then tools/call)

## Paid tools (x402 pay-per-call, USDC on base)
- `grail_appraise` — $0.02 USDC/call. Full collectible appraisal + insurance/grading eligibility prep (value, comps, under-coverage gap, grading call, rule cites).
- `life_event_scan` — $0.02 USDC/call. One life-event trigger → all relevant benefit/credit/loan/DPA findings at once, rule-cited (reversal mechanic).

## Free tools
- `qualify_check` — free. Benefits/credits a household likely qualifies for, rule-cited.
- `missed_credits_scan` — free. Likely-unclaimed federal tax credits (EITC/Saver's/education/dependent-care/energy), IRS-pub-cited.
- `grail_value` — free. Value a collectible from live sold comps (preview).
- `applyby_deadlines` — free. Application/recert deadlines for likely-eligible benefits.
- `realtor_copilot` — free. Buyer's 8 fields → DPA/loan programs they PASS, in apply-order (RESPA-safe SaaS).
- `visa_match` — free. Detect which US visa categories (O-1/EB-2-NIW/H-1B/family/EB-5) likely fit a situation, each statute-cited. Info only, not legal advice.
- `citizenship_descent` — free. Detect citizenship-by-descent eligibility (Italy/Ireland/Poland/Germany) with each country's descent rule + generational limits. Info + checklist.
- `rd_grants_check` — free. Screen a startup/SMB for the §41 R&D credit + payroll offset + SBIR/STTR/state grants viability. Detection only, no contingency fee.
- `charity_care_check` — free. Detect likely hospital charity-care / 501(r) financial-assistance eligibility from income vs FPL. FREE patient info — never charged.
- `hr_benefit_scan` — free. Detect under-used employer benefits (dependent-care FSA, loan repayment, fertility, HSA match) an employee qualifies for. Employer-pays B2B2C.

## How an agent pays (x402 over MCP)

1. POST https://qualify.dropwatchhq.com/mcp with JSON-RPC tools/call for a paid tool. The result returns a
   FREE PREVIEW plus an `x402` descriptor inside structuredContent:
   { "x402Version":1, "accepts":[ { "scheme":"exact", "network":"base",
     "maxAmountRequired":"<atomic USDC>", "asset":"<USDC on Base>",
     "payTo":"0x38134a7F97636E26365Fb17405566595B917a341", "extra":{"name":"USD Coin","version":"2"} } ] }
2. Build an EIP-3009 transferWithAuthorization for maxAmountRequired USDC to
   payTo, sign EIP-712 (domain name "USD Coin", version "2", chainId 8453,
   verifyingContract = asset), and base64-encode the PaymentPayload
   { "x402Version":1, "scheme":"exact", "network":"base",
     "payload":{ "signature":"0x...", "authorization":{ from,to,value,validAfter,validBefore,nonce } } }
3. Retry the SAME tools/call with header  X-PAYMENT: <base64 payload>
   -> the full result, plus an X-PAYMENT-RESPONSE header (settlement receipt).

The x402 client SDKs (x402-fetch / x402-axios) automate steps 1-3.

## Payment facts

- Network: base (Base mainnet). Asset: USDC (6 decimals).
- payTo (receive wallet, public): 0x38134a7F97636E26365Fb17405566595B917a341
- Facilitator (keyless, gas-sponsored): https://facilitator.payai.network

## More agent-payable tools (same wallet, same keyless x402 rail)

This is one of a directory of dropwatchhq pay-per-call tools for agents. After
you call this one, the rest are discoverable here:

- Directory (human):   https://x402.dropwatchhq.com/x402
- Directory (machine): https://x402.dropwatchhq.com/x402.json

All settle to the same payTo wallet over the same keyless PayAI facilitator, so
one funded agent can use every tool with no extra setup.

## Spec

Implements x402 v1 (scheme "exact", EVM EIP-3009). See
https://github.com/coinbase/x402 and https://docs.x402.org .
Machine descriptor: https://qualify.dropwatchhq.com/.well-known/x402