{
  "schema_version": "finly-agent-access-1",
  "audience": "public",
  "tools": [
    {
      "name": "calculate_ltv_ratio",
      "title": "יחס הלוואה לשווי",
      "description": "יחס הלוואה לשווי. Divide the explicitly provided numerator by denominator. No regulatory caps, eligibility verdict, fallback rates or customer identifiers.",
      "inputSchema": {
        "type": "object",
        "properties": {
          "loan_agorot": {
            "type": "integer",
            "minimum": 0,
            "maximum": 10000000000
          },
          "property_value_agorot": {
            "type": "integer",
            "minimum": 1,
            "maximum": 10000000000
          }
        },
        "required": [
          "loan_agorot",
          "property_value_agorot"
        ],
        "additionalProperties": false,
        "$schema": "http://json-schema.org/draft-07/schema#"
      },
      "outputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "type": "object",
        "properties": {
          "request_id": {
            "type": "string"
          },
          "schema_version": {
            "const": "finly-agent-access-1"
          },
          "tool": {
            "const": "calculate_ltv_ratio"
          },
          "response_kind": {
            "const": "calculation"
          },
          "status": {
            "type": "string",
            "enum": [
              "success",
              "insufficient_data",
              "needs_review",
              "stale_data",
              "consent_required",
              "approval_required",
              "pending",
              "conflict",
              "unsupported",
              "temporarily_unavailable",
              "rate_limited",
              "not_found_or_not_authorized",
              "revoked",
              "expired",
              "delivery_unknown"
            ]
          },
          "as_of": {
            "type": "string",
            "format": "date-time"
          },
          "assumptions": {
            "type": "array",
            "items": {}
          },
          "limitations": {
            "type": "array",
            "items": {
              "type": "string"
            }
          },
          "next_actions": {
            "type": "array",
            "items": {}
          },
          "receipt": {
            "type": "object"
          },
          "evidence": {
            "type": "array",
            "items": {}
          },
          "result": {
            "type": "object",
            "properties": {
              "ltv_ratio": {
                "type": "number",
                "minimum": 0
              },
              "hypothetical": {
                "type": "boolean",
                "const": true
              }
            },
            "required": [
              "ltv_ratio",
              "hypothetical"
            ],
            "additionalProperties": false,
            "$schema": "http://json-schema.org/draft-07/schema#"
          },
          "no_action": {
            "$schema": "http://json-schema.org/draft-07/schema#",
            "type": "object",
            "properties": {
              "code": {
                "type": "string"
              },
              "missing_fields": {
                "type": "array",
                "items": {
                  "type": "string"
                }
              },
              "retry_after_ms": {
                "type": "number"
              }
            },
            "required": [
              "code"
            ],
            "additionalProperties": false
          }
        },
        "required": [
          "request_id",
          "schema_version",
          "tool",
          "response_kind",
          "status",
          "as_of",
          "assumptions",
          "limitations",
          "next_actions",
          "receipt"
        ],
        "additionalProperties": false,
        "oneOf": [
          {
            "required": [
              "result"
            ],
            "properties": {
              "status": {
                "const": "success"
              }
            },
            "not": {
              "required": [
                "no_action"
              ]
            }
          },
          {
            "required": [
              "no_action"
            ],
            "properties": {
              "status": {
                "not": {
                  "const": "success"
                }
              }
            },
            "not": {
              "required": [
                "result"
              ]
            }
          }
        ]
      },
      "annotations": {
        "readOnlyHint": true,
        "destructiveHint": false,
        "idempotentHint": true,
        "openWorldHint": false
      }
    },
    {
      "name": "calculate_payment",
      "title": "חישוב החזר חודשי",
      "description": "Calculate a hypothetical fixed-rate unindexed annuity from explicit inputs. Money is integer agorot; annual interest is a decimal. No bank offer, eligibility or savings recommendation.",
      "inputSchema": {
        "type": "object",
        "properties": {
          "principal_agorot": {
            "type": "integer",
            "minimum": 1,
            "maximum": 10000000000
          },
          "nominal_annual_decimal": {
            "type": "number",
            "minimum": 0,
            "maximum": 0.5
          },
          "term_months": {
            "type": "integer",
            "minimum": 1,
            "maximum": 360
          }
        },
        "required": [
          "principal_agorot",
          "nominal_annual_decimal",
          "term_months"
        ],
        "additionalProperties": false,
        "$schema": "http://json-schema.org/draft-07/schema#"
      },
      "outputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "type": "object",
        "properties": {
          "request_id": {
            "type": "string"
          },
          "schema_version": {
            "const": "finly-agent-access-1"
          },
          "tool": {
            "const": "calculate_payment"
          },
          "response_kind": {
            "const": "calculation"
          },
          "status": {
            "type": "string",
            "enum": [
              "success",
              "insufficient_data",
              "needs_review",
              "stale_data",
              "consent_required",
              "approval_required",
              "pending",
              "conflict",
              "unsupported",
              "temporarily_unavailable",
              "rate_limited",
              "not_found_or_not_authorized",
              "revoked",
              "expired",
              "delivery_unknown"
            ]
          },
          "as_of": {
            "type": "string",
            "format": "date-time"
          },
          "assumptions": {
            "type": "array",
            "items": {}
          },
          "limitations": {
            "type": "array",
            "items": {
              "type": "string"
            }
          },
          "next_actions": {
            "type": "array",
            "items": {}
          },
          "receipt": {
            "type": "object"
          },
          "evidence": {
            "type": "array",
            "items": {}
          },
          "result": {
            "type": "object",
            "properties": {
              "monthly_agorot": {
                "type": "integer",
                "minimum": 0
              },
              "total_paid_agorot": {
                "type": "integer",
                "exclusiveMinimum": 0
              },
              "total_interest_agorot": {
                "type": "integer",
                "minimum": 0
              },
              "totals_basis": {
                "type": "string",
                "const": "unrounded_payment_times_term"
              },
              "hypothetical": {
                "type": "boolean",
                "const": true
              }
            },
            "required": [
              "monthly_agorot",
              "total_paid_agorot",
              "total_interest_agorot",
              "totals_basis",
              "hypothetical"
            ],
            "additionalProperties": false,
            "$schema": "http://json-schema.org/draft-07/schema#"
          },
          "no_action": {
            "$schema": "http://json-schema.org/draft-07/schema#",
            "type": "object",
            "properties": {
              "code": {
                "type": "string"
              },
              "missing_fields": {
                "type": "array",
                "items": {
                  "type": "string"
                }
              },
              "retry_after_ms": {
                "type": "number"
              }
            },
            "required": [
              "code"
            ],
            "additionalProperties": false
          }
        },
        "required": [
          "request_id",
          "schema_version",
          "tool",
          "response_kind",
          "status",
          "as_of",
          "assumptions",
          "limitations",
          "next_actions",
          "receipt"
        ],
        "additionalProperties": false,
        "oneOf": [
          {
            "required": [
              "result"
            ],
            "properties": {
              "status": {
                "const": "success"
              }
            },
            "not": {
              "required": [
                "no_action"
              ]
            }
          },
          {
            "required": [
              "no_action"
            ],
            "properties": {
              "status": {
                "not": {
                  "const": "success"
                }
              }
            },
            "not": {
              "required": [
                "result"
              ]
            }
          }
        ]
      },
      "annotations": {
        "readOnlyHint": true,
        "destructiveHint": false,
        "idempotentHint": true,
        "openWorldHint": false
      }
    },
    {
      "name": "calculate_pti_ratio",
      "title": "יחס החזר להכנסה",
      "description": "יחס החזר להכנסה. Divide the explicitly provided numerator by denominator. No regulatory caps, eligibility verdict, fallback rates or customer identifiers.",
      "inputSchema": {
        "type": "object",
        "properties": {
          "monthly_debt_agorot": {
            "type": "integer",
            "minimum": 0,
            "maximum": 10000000000
          },
          "monthly_net_income_agorot": {
            "type": "integer",
            "minimum": 1,
            "maximum": 10000000000
          }
        },
        "required": [
          "monthly_debt_agorot",
          "monthly_net_income_agorot"
        ],
        "additionalProperties": false,
        "$schema": "http://json-schema.org/draft-07/schema#"
      },
      "outputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "type": "object",
        "properties": {
          "request_id": {
            "type": "string"
          },
          "schema_version": {
            "const": "finly-agent-access-1"
          },
          "tool": {
            "const": "calculate_pti_ratio"
          },
          "response_kind": {
            "const": "calculation"
          },
          "status": {
            "type": "string",
            "enum": [
              "success",
              "insufficient_data",
              "needs_review",
              "stale_data",
              "consent_required",
              "approval_required",
              "pending",
              "conflict",
              "unsupported",
              "temporarily_unavailable",
              "rate_limited",
              "not_found_or_not_authorized",
              "revoked",
              "expired",
              "delivery_unknown"
            ]
          },
          "as_of": {
            "type": "string",
            "format": "date-time"
          },
          "assumptions": {
            "type": "array",
            "items": {}
          },
          "limitations": {
            "type": "array",
            "items": {
              "type": "string"
            }
          },
          "next_actions": {
            "type": "array",
            "items": {}
          },
          "receipt": {
            "type": "object"
          },
          "evidence": {
            "type": "array",
            "items": {}
          },
          "result": {
            "type": "object",
            "properties": {
              "pti_ratio": {
                "type": "number",
                "minimum": 0
              },
              "hypothetical": {
                "type": "boolean",
                "const": true
              }
            },
            "required": [
              "pti_ratio",
              "hypothetical"
            ],
            "additionalProperties": false,
            "$schema": "http://json-schema.org/draft-07/schema#"
          },
          "no_action": {
            "$schema": "http://json-schema.org/draft-07/schema#",
            "type": "object",
            "properties": {
              "code": {
                "type": "string"
              },
              "missing_fields": {
                "type": "array",
                "items": {
                  "type": "string"
                }
              },
              "retry_after_ms": {
                "type": "number"
              }
            },
            "required": [
              "code"
            ],
            "additionalProperties": false
          }
        },
        "required": [
          "request_id",
          "schema_version",
          "tool",
          "response_kind",
          "status",
          "as_of",
          "assumptions",
          "limitations",
          "next_actions",
          "receipt"
        ],
        "additionalProperties": false,
        "oneOf": [
          {
            "required": [
              "result"
            ],
            "properties": {
              "status": {
                "const": "success"
              }
            },
            "not": {
              "required": [
                "no_action"
              ]
            }
          },
          {
            "required": [
              "no_action"
            ],
            "properties": {
              "status": {
                "not": {
                  "const": "success"
                }
              }
            },
            "not": {
              "required": [
                "result"
              ]
            }
          }
        ]
      },
      "annotations": {
        "readOnlyHint": true,
        "destructiveHint": false,
        "idempotentHint": true,
        "openWorldHint": false
      }
    },
    {
      "name": "get_capabilities",
      "title": "יכולות וקטלוג ידע",
      "description": "Discover the currently released public tools and a paginated index of approved topics, questions, claims and guides.",
      "inputSchema": {
        "type": "object",
        "properties": {
          "locale": {
            "type": "string",
            "const": "he"
          },
          "catalog_cursor": {
            "type": "string",
            "minLength": 1,
            "maxLength": 1024
          },
          "limit": {
            "type": "integer",
            "minimum": 1,
            "maximum": 50
          }
        },
        "additionalProperties": false,
        "$schema": "http://json-schema.org/draft-07/schema#"
      },
      "outputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "type": "object",
        "properties": {
          "request_id": {
            "type": "string"
          },
          "schema_version": {
            "const": "finly-agent-access-1"
          },
          "tool": {
            "const": "get_capabilities"
          },
          "response_kind": {
            "const": "knowledge"
          },
          "status": {
            "type": "string",
            "enum": [
              "success",
              "insufficient_data",
              "needs_review",
              "stale_data",
              "consent_required",
              "approval_required",
              "pending",
              "conflict",
              "unsupported",
              "temporarily_unavailable",
              "rate_limited",
              "not_found_or_not_authorized",
              "revoked",
              "expired",
              "delivery_unknown"
            ]
          },
          "as_of": {
            "type": "string",
            "format": "date-time"
          },
          "assumptions": {
            "type": "array",
            "items": {}
          },
          "limitations": {
            "type": "array",
            "items": {
              "type": "string"
            }
          },
          "next_actions": {
            "type": "array",
            "items": {}
          },
          "receipt": {
            "type": "object"
          },
          "evidence": {
            "type": "array",
            "items": {}
          },
          "result": {
            "type": "object",
            "properties": {
              "schema_version": {
                "type": "string",
                "const": "finly-agent-access-1"
              },
              "capabilities": {
                "type": "array",
                "items": {
                  "type": "object",
                  "properties": {
                    "name": {
                      "type": "string"
                    },
                    "title": {
                      "type": "string"
                    },
                    "description": {
                      "type": "string"
                    },
                    "inputSchema": {
                      "type": "object",
                      "additionalProperties": {}
                    },
                    "outputSchema": {
                      "type": "object",
                      "additionalProperties": {}
                    },
                    "annotations": {
                      "type": "object",
                      "properties": {
                        "readOnlyHint": {
                          "type": "boolean"
                        },
                        "destructiveHint": {
                          "type": "boolean"
                        },
                        "idempotentHint": {
                          "type": "boolean"
                        },
                        "openWorldHint": {
                          "type": "boolean"
                        }
                      },
                      "required": [
                        "readOnlyHint",
                        "destructiveHint",
                        "idempotentHint",
                        "openWorldHint"
                      ],
                      "additionalProperties": false
                    }
                  },
                  "required": [
                    "name",
                    "title",
                    "description",
                    "inputSchema",
                    "outputSchema",
                    "annotations"
                  ],
                  "additionalProperties": false
                }
              },
              "knowledge_catalog": {
                "type": "object",
                "properties": {
                  "items": {
                    "type": "array",
                    "items": {
                      "type": "object",
                      "properties": {
                        "kind": {
                          "type": "string",
                          "enum": [
                            "topic",
                            "question",
                            "claim",
                            "guide"
                          ]
                        },
                        "id": {
                          "type": "string"
                        },
                        "title": {
                          "type": "string"
                        },
                        "topic": {
                          "type": "string"
                        },
                        "claim_id": {
                          "type": [
                            "string",
                            "null"
                          ]
                        },
                        "guide_id": {
                          "type": [
                            "string",
                            "null"
                          ]
                        },
                        "version": {
                          "type": [
                            "string",
                            "null"
                          ]
                        },
                        "canonical_url": {
                          "type": [
                            "string",
                            "null"
                          ]
                        }
                      },
                      "required": [
                        "kind",
                        "id",
                        "title",
                        "topic",
                        "claim_id",
                        "guide_id",
                        "version",
                        "canonical_url"
                      ],
                      "additionalProperties": false
                    }
                  },
                  "next_cursor": {
                    "type": [
                      "string",
                      "null"
                    ]
                  },
                  "catalog_version": {
                    "type": "string"
                  }
                },
                "required": [
                  "items",
                  "next_cursor",
                  "catalog_version"
                ],
                "additionalProperties": false
              }
            },
            "required": [
              "schema_version",
              "capabilities",
              "knowledge_catalog"
            ],
            "additionalProperties": false,
            "$schema": "http://json-schema.org/draft-07/schema#"
          },
          "no_action": {
            "$schema": "http://json-schema.org/draft-07/schema#",
            "type": "object",
            "properties": {
              "code": {
                "type": "string"
              },
              "missing_fields": {
                "type": "array",
                "items": {
                  "type": "string"
                }
              },
              "retry_after_ms": {
                "type": "number"
              }
            },
            "required": [
              "code"
            ],
            "additionalProperties": false
          }
        },
        "required": [
          "request_id",
          "schema_version",
          "tool",
          "response_kind",
          "status",
          "as_of",
          "assumptions",
          "limitations",
          "next_actions",
          "receipt"
        ],
        "additionalProperties": false,
        "oneOf": [
          {
            "required": [
              "result"
            ],
            "properties": {
              "status": {
                "const": "success"
              }
            },
            "not": {
              "required": [
                "no_action"
              ]
            }
          },
          {
            "required": [
              "no_action"
            ],
            "properties": {
              "status": {
                "not": {
                  "const": "success"
                }
              }
            },
            "not": {
              "required": [
                "result"
              ]
            }
          }
        ]
      },
      "annotations": {
        "readOnlyHint": true,
        "destructiveHint": false,
        "idempotentHint": true,
        "openWorldHint": false
      }
    },
    {
      "name": "get_claim",
      "title": "טענה ומקורות",
      "description": "Read one versioned public claim with its scope, evidence and review dates.",
      "inputSchema": {
        "type": "object",
        "properties": {
          "locale": {
            "type": "string",
            "const": "he"
          },
          "claim_id": {
            "type": "string",
            "minLength": 1,
            "maxLength": 128,
            "pattern": "^[a-zA-Z0-9_-]+$"
          },
          "claim_version": {
            "type": "string",
            "minLength": 1,
            "maxLength": 128
          }
        },
        "required": [
          "claim_id"
        ],
        "additionalProperties": false,
        "$schema": "http://json-schema.org/draft-07/schema#"
      },
      "outputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "type": "object",
        "properties": {
          "request_id": {
            "type": "string"
          },
          "schema_version": {
            "const": "finly-agent-access-1"
          },
          "tool": {
            "const": "get_claim"
          },
          "response_kind": {
            "const": "knowledge"
          },
          "status": {
            "type": "string",
            "enum": [
              "success",
              "insufficient_data",
              "needs_review",
              "stale_data",
              "consent_required",
              "approval_required",
              "pending",
              "conflict",
              "unsupported",
              "temporarily_unavailable",
              "rate_limited",
              "not_found_or_not_authorized",
              "revoked",
              "expired",
              "delivery_unknown"
            ]
          },
          "as_of": {
            "type": "string",
            "format": "date-time"
          },
          "assumptions": {
            "type": "array",
            "items": {}
          },
          "limitations": {
            "type": "array",
            "items": {
              "type": "string"
            }
          },
          "next_actions": {
            "type": "array",
            "items": {}
          },
          "receipt": {
            "type": "object"
          },
          "evidence": {
            "type": "array",
            "items": {}
          },
          "result": {
            "type": "object",
            "properties": {
              "claim_id": {
                "type": "string"
              },
              "claim_version": {
                "type": "string"
              },
              "title": {
                "type": "string"
              },
              "statement": {
                "type": "string"
              },
              "topic": {
                "type": "string"
              },
              "question_id": {
                "type": [
                  "string",
                  "null"
                ]
              },
              "scope": {
                "type": "string",
                "const": "general_information_israel"
              },
              "evidence": {
                "type": "array",
                "items": {
                  "type": "object",
                  "properties": {
                    "source_url": {
                      "type": "string"
                    },
                    "section": {
                      "type": "string"
                    },
                    "source_version": {
                      "type": "string"
                    },
                    "approved_at": {
                      "type": "string"
                    },
                    "verified_at": {
                      "type": "string"
                    },
                    "review_due_at": {
                      "type": "string"
                    },
                    "approval_basis": {
                      "type": "string",
                      "const": "existing_public_source_metadata"
                    },
                    "reviewer": {
                      "type": [
                        "string",
                        "null"
                      ]
                    },
                    "supports": {
                      "type": "array",
                      "items": {
                        "type": "string"
                      }
                    }
                  },
                  "required": [
                    "source_url",
                    "section",
                    "source_version",
                    "approved_at",
                    "verified_at",
                    "review_due_at",
                    "approval_basis",
                    "reviewer",
                    "supports"
                  ],
                  "additionalProperties": false
                }
              },
              "limitations": {
                "type": "array",
                "items": {
                  "type": "string"
                }
              }
            },
            "required": [
              "claim_id",
              "claim_version",
              "title",
              "statement",
              "topic",
              "question_id",
              "scope",
              "evidence",
              "limitations"
            ],
            "additionalProperties": false,
            "$schema": "http://json-schema.org/draft-07/schema#"
          },
          "no_action": {
            "$schema": "http://json-schema.org/draft-07/schema#",
            "type": "object",
            "properties": {
              "code": {
                "type": "string"
              },
              "missing_fields": {
                "type": "array",
                "items": {
                  "type": "string"
                }
              },
              "retry_after_ms": {
                "type": "number"
              }
            },
            "required": [
              "code"
            ],
            "additionalProperties": false
          }
        },
        "required": [
          "request_id",
          "schema_version",
          "tool",
          "response_kind",
          "status",
          "as_of",
          "assumptions",
          "limitations",
          "next_actions",
          "receipt"
        ],
        "additionalProperties": false,
        "oneOf": [
          {
            "required": [
              "result"
            ],
            "properties": {
              "status": {
                "const": "success"
              }
            },
            "not": {
              "required": [
                "no_action"
              ]
            }
          },
          {
            "required": [
              "no_action"
            ],
            "properties": {
              "status": {
                "not": {
                  "const": "success"
                }
              }
            },
            "not": {
              "required": [
                "result"
              ]
            }
          }
        ]
      },
      "annotations": {
        "readOnlyHint": true,
        "destructiveHint": false,
        "idempotentHint": true,
        "openWorldHint": false
      }
    },
    {
      "name": "get_guide",
      "title": "מדריך מאושר",
      "description": "Read approved steps and the canonical FINLY guide link. A bank guide is not a recommendation.",
      "inputSchema": {
        "type": "object",
        "properties": {
          "locale": {
            "type": "string",
            "const": "he"
          },
          "guide_id": {
            "type": "string",
            "minLength": 1,
            "maxLength": 128,
            "pattern": "^[a-zA-Z0-9_-]+$"
          }
        },
        "required": [
          "locale",
          "guide_id"
        ],
        "additionalProperties": false,
        "$schema": "http://json-schema.org/draft-07/schema#"
      },
      "outputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "type": "object",
        "properties": {
          "request_id": {
            "type": "string"
          },
          "schema_version": {
            "const": "finly-agent-access-1"
          },
          "tool": {
            "const": "get_guide"
          },
          "response_kind": {
            "const": "knowledge"
          },
          "status": {
            "type": "string",
            "enum": [
              "success",
              "insufficient_data",
              "needs_review",
              "stale_data",
              "consent_required",
              "approval_required",
              "pending",
              "conflict",
              "unsupported",
              "temporarily_unavailable",
              "rate_limited",
              "not_found_or_not_authorized",
              "revoked",
              "expired",
              "delivery_unknown"
            ]
          },
          "as_of": {
            "type": "string",
            "format": "date-time"
          },
          "assumptions": {
            "type": "array",
            "items": {}
          },
          "limitations": {
            "type": "array",
            "items": {
              "type": "string"
            }
          },
          "next_actions": {
            "type": "array",
            "items": {}
          },
          "receipt": {
            "type": "object"
          },
          "evidence": {
            "type": "array",
            "items": {}
          },
          "result": {
            "type": "object",
            "properties": {
              "guide_id": {
                "type": "string"
              },
              "guide_version": {
                "type": "string"
              },
              "title": {
                "type": "string"
              },
              "steps": {
                "type": "array",
                "items": {
                  "type": "string"
                }
              },
              "topic": {
                "type": "string"
              },
              "canonical_url": {
                "type": "string"
              },
              "evidence": {
                "type": "array",
                "items": {
                  "type": "object",
                  "properties": {
                    "source_url": {
                      "type": "string"
                    },
                    "section": {
                      "type": "string"
                    },
                    "source_version": {
                      "type": "string"
                    },
                    "approved_at": {
                      "type": "string"
                    },
                    "verified_at": {
                      "type": "string"
                    },
                    "review_due_at": {
                      "type": "string"
                    },
                    "approval_basis": {
                      "type": "string",
                      "const": "existing_public_source_metadata"
                    },
                    "reviewer": {
                      "type": [
                        "string",
                        "null"
                      ]
                    },
                    "supports": {
                      "type": "array",
                      "items": {
                        "type": "string"
                      }
                    }
                  },
                  "required": [
                    "source_url",
                    "section",
                    "source_version",
                    "approved_at",
                    "verified_at",
                    "review_due_at",
                    "approval_basis",
                    "reviewer",
                    "supports"
                  ],
                  "additionalProperties": false
                }
              },
              "limitations": {
                "type": "array",
                "items": {
                  "type": "string"
                }
              }
            },
            "required": [
              "guide_id",
              "guide_version",
              "title",
              "steps",
              "topic",
              "canonical_url",
              "evidence",
              "limitations"
            ],
            "additionalProperties": false,
            "$schema": "http://json-schema.org/draft-07/schema#"
          },
          "no_action": {
            "$schema": "http://json-schema.org/draft-07/schema#",
            "type": "object",
            "properties": {
              "code": {
                "type": "string"
              },
              "missing_fields": {
                "type": "array",
                "items": {
                  "type": "string"
                }
              },
              "retry_after_ms": {
                "type": "number"
              }
            },
            "required": [
              "code"
            ],
            "additionalProperties": false
          }
        },
        "required": [
          "request_id",
          "schema_version",
          "tool",
          "response_kind",
          "status",
          "as_of",
          "assumptions",
          "limitations",
          "next_actions",
          "receipt"
        ],
        "additionalProperties": false,
        "oneOf": [
          {
            "required": [
              "result"
            ],
            "properties": {
              "status": {
                "const": "success"
              }
            },
            "not": {
              "required": [
                "no_action"
              ]
            }
          },
          {
            "required": [
              "no_action"
            ],
            "properties": {
              "status": {
                "not": {
                  "const": "success"
                }
              }
            },
            "not": {
              "required": [
                "result"
              ]
            }
          }
        ]
      },
      "annotations": {
        "readOnlyHint": true,
        "destructiveHint": false,
        "idempotentHint": true,
        "openWorldHint": false
      }
    },
    {
      "name": "search_mortgage_knowledge",
      "title": "חיפוש ידע משכנתאות מאושר",
      "description": "Find approved, current public knowledge by a catalog topic or question ID. No free text or personal data.",
      "inputSchema": {
        "type": "object",
        "properties": {
          "locale": {
            "type": "string",
            "const": "he"
          },
          "topic": {
            "type": "string",
            "minLength": 1,
            "maxLength": 128,
            "pattern": "^[a-zA-Z0-9_-]+$"
          },
          "question_id": {
            "type": "string",
            "minLength": 1,
            "maxLength": 128,
            "pattern": "^[a-zA-Z0-9_-]+$"
          },
          "limit": {
            "type": "integer",
            "minimum": 1,
            "maximum": 50
          },
          "cursor": {
            "type": "string",
            "minLength": 1,
            "maxLength": 1024
          }
        },
        "additionalProperties": false,
        "$schema": "http://json-schema.org/draft-07/schema#"
      },
      "outputSchema": {
        "$schema": "http://json-schema.org/draft-07/schema#",
        "type": "object",
        "properties": {
          "request_id": {
            "type": "string"
          },
          "schema_version": {
            "const": "finly-agent-access-1"
          },
          "tool": {
            "const": "search_mortgage_knowledge"
          },
          "response_kind": {
            "const": "knowledge"
          },
          "status": {
            "type": "string",
            "enum": [
              "success",
              "insufficient_data",
              "needs_review",
              "stale_data",
              "consent_required",
              "approval_required",
              "pending",
              "conflict",
              "unsupported",
              "temporarily_unavailable",
              "rate_limited",
              "not_found_or_not_authorized",
              "revoked",
              "expired",
              "delivery_unknown"
            ]
          },
          "as_of": {
            "type": "string",
            "format": "date-time"
          },
          "assumptions": {
            "type": "array",
            "items": {}
          },
          "limitations": {
            "type": "array",
            "items": {
              "type": "string"
            }
          },
          "next_actions": {
            "type": "array",
            "items": {}
          },
          "receipt": {
            "type": "object"
          },
          "evidence": {
            "type": "array",
            "items": {}
          },
          "result": {
            "type": "object",
            "properties": {
              "items": {
                "type": "array",
                "items": {
                  "type": "object",
                  "properties": {
                    "claim_id": {
                      "type": "string"
                    },
                    "claim_version": {
                      "type": "string"
                    },
                    "title": {
                      "type": "string"
                    },
                    "statement": {
                      "type": "string"
                    },
                    "topic": {
                      "type": "string"
                    },
                    "question_id": {
                      "type": [
                        "string",
                        "null"
                      ]
                    },
                    "scope": {
                      "type": "string",
                      "const": "general_information_israel"
                    },
                    "evidence": {
                      "type": "array",
                      "items": {
                        "type": "object",
                        "properties": {
                          "source_url": {
                            "type": "string"
                          },
                          "section": {
                            "type": "string"
                          },
                          "source_version": {
                            "type": "string"
                          },
                          "approved_at": {
                            "type": "string"
                          },
                          "verified_at": {
                            "type": "string"
                          },
                          "review_due_at": {
                            "type": "string"
                          },
                          "approval_basis": {
                            "type": "string",
                            "const": "existing_public_source_metadata"
                          },
                          "reviewer": {
                            "type": [
                              "string",
                              "null"
                            ]
                          },
                          "supports": {
                            "type": "array",
                            "items": {
                              "type": "string"
                            }
                          }
                        },
                        "required": [
                          "source_url",
                          "section",
                          "source_version",
                          "approved_at",
                          "verified_at",
                          "review_due_at",
                          "approval_basis",
                          "reviewer",
                          "supports"
                        ],
                        "additionalProperties": false
                      }
                    },
                    "limitations": {
                      "type": "array",
                      "items": {
                        "type": "string"
                      }
                    }
                  },
                  "required": [
                    "claim_id",
                    "claim_version",
                    "title",
                    "statement",
                    "topic",
                    "question_id",
                    "scope",
                    "evidence",
                    "limitations"
                  ],
                  "additionalProperties": false
                }
              },
              "next_cursor": {
                "type": [
                  "string",
                  "null"
                ]
              },
              "catalog_version": {
                "type": "string"
              }
            },
            "required": [
              "items",
              "next_cursor",
              "catalog_version"
            ],
            "additionalProperties": false,
            "$schema": "http://json-schema.org/draft-07/schema#"
          },
          "no_action": {
            "$schema": "http://json-schema.org/draft-07/schema#",
            "type": "object",
            "properties": {
              "code": {
                "type": "string"
              },
              "missing_fields": {
                "type": "array",
                "items": {
                  "type": "string"
                }
              },
              "retry_after_ms": {
                "type": "number"
              }
            },
            "required": [
              "code"
            ],
            "additionalProperties": false
          }
        },
        "required": [
          "request_id",
          "schema_version",
          "tool",
          "response_kind",
          "status",
          "as_of",
          "assumptions",
          "limitations",
          "next_actions",
          "receipt"
        ],
        "additionalProperties": false,
        "oneOf": [
          {
            "required": [
              "result"
            ],
            "properties": {
              "status": {
                "const": "success"
              }
            },
            "not": {
              "required": [
                "no_action"
              ]
            }
          },
          {
            "required": [
              "no_action"
            ],
            "properties": {
              "status": {
                "not": {
                  "const": "success"
                }
              }
            },
            "not": {
              "required": [
                "result"
              ]
            }
          }
        ]
      },
      "annotations": {
        "readOnlyHint": true,
        "destructiveHint": false,
        "idempotentHint": true,
        "openWorldHint": false
      }
    }
  ]
}