Developer Pricing FAQ

Last Updated: March 2, 2026

Frequently asked questions about the RiskModels API for developers and quantitative analysts.

How many tokens does a typical request use?

Token usage depends on the complexity of the request:

| Action | Tokens | Yield per $20 | |--------|--------|---------------| | Risk decomposition (full) | 500 | ~2,000 per $20 | | Ticker returns lookup | 250 | ~4,000 per $20 | | Batch position analysis | 100 / position | ~10,000 per $20 |

Base Rate: 1M tokens = $20

At these rates, $20 in tokens provides approximately:

  • 2,000 full risk analyses, or
  • 4,000 ticker lookups, or
  • 10,000 batch positions

Most developers start with the free $20 credits to understand their usage patterns before purchasing additional tokens.

Do my free credits expire?

No, your free credits never expire.

However, your API key requires activity to remain active:

  • Make at least one API call every 90 days
  • After 90 days of complete inactivity, your API key is automatically deactivated (not deleted) for security
  • You can reactivate instantly at any time by making a single API call or visiting your dashboard

This policy prevents abandoned keys from becoming security risks while preserving your credits indefinitely.

What happens when I run out of credits?

When your token balance reaches zero:

  1. Without auto-refill: API calls return 402 Payment Required. You'll need to manually purchase more tokens through your developer dashboard.

  2. With auto-refill enabled: Your card on file is charged for the refill amount (e.g., $50 for 2.5M tokens) and tokens are added to your balance instantly. API calls continue without interruption.

Auto-refill is optional and off by default.

Can I set a monthly spend cap?

Yes! You can set a monthly spend cap in your developer dashboard settings.

Once you reach the cap:

  • API calls are paused until the next billing cycle
  • You receive an email notification
  • You can increase the cap anytime if needed

This prevents unexpected bills from:

  • Runaway scripts
  • Unexpectedly high-volume applications
  • Infinite loops in your code

Is there a volume discount?

For high-volume usage (10M+ tokens per month), we offer custom Enterprise pricing with:

  • Dedicated rate limits: 100+ requests/min (vs. 30/min standard)
  • Committed-use discounts
  • Priority support
  • SLA guarantees
  • Custom integration assistance

Contact our sales team for volume pricing tiers.

What's the difference between Free, Pro, and Pay-as-You-Go?

| Plan | Best For | Pricing | Key Features | |------|----------|---------|--------------| | Free | Exploration | $0 | Mag 7 benchmarks only, no API key | | Pro | Individual investors | $20/mo or $192/yr | Plaid sync, unlimited analysis, weekly insights | | Pay-as-You-Go | Developers, quants | $20/1M tokens | REST + CLI API, all 16,495+ tickers |

Pro is for investors who want personalized portfolio monitoring. Pay-as-You-Go is for building applications, algorithms, and research tools.

Can I use both Pro and Pay-as-You-Go?

Yes, absolutely! Many users maintain:

  • A Pro subscription for personal portfolio analysis
  • Pay-as-You-Go API access for trading algorithms or custom tools

The two products:

  • Are billed independently
  • Can be used together or separately
  • Share the same underlying risk models
  • Use the same zero-knowledge encryption standards

How do I cancel?

You can cancel anytime from your Account Settings.

For Pro subscriptions:

  • You retain access until the end of your current billing period
  • When canceling, you can choose to cryptographically shred your portfolio data immediately
  • Or data will be automatically shredded after 90 days of inactivity

For Pay-as-You-Go:

  • API keys can be deactivated or deleted instantly from your developer dashboard
  • Unused credits remain available if you reactivate later

Is my API data encrypted?

Yes. All API interactions follow the same zero-knowledge encryption standards as our investor platform:

  • API keys are SHA-256 hashed with timing-safe verification
  • Any sensitive user data you submit is encrypted per-portfolio with unique DEKs
  • We cannot access your plaintext data
  • See our encryption documentation for full details

What are the rate limits?

| Tier | Rate Limit | Best For | |------|------------|----------| | Standard | 30 req/min | Most developers, research | | Enterprise | 100+ req/min | High-frequency trading, production systems |

Rate limits are per API key and reset every minute. Contact us for Enterprise if you need higher throughput.

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