The three tiers
| Tier | Who it's for | Cost |
|---|---|---|
| Anonymous | Anyone — no account needed. Browser-side quotas. | Free |
| Free (signed in) | Watchlist + portfolios + higher quotas + personalization. | Free |
| Pro | Unlimited prices + holder names + every analytic. | See /pricing |
Per-surface caps
| Surface | Anonymous | Free | Pro |
|---|---|---|---|
| Bond detail price views | 10 / month | 40 / month | Unlimited |
| Natural-language searches | 6 / day (per IP) | 20 / day | Unlimited |
| Screener rows visible | 25 | 100 | Unlimited |
| For You recommendations | 10 cards | 30 cards | Unlimited |
| Radio queue per station | 10 bonds | 30 bonds | 50 bonds |
| Watchlist | — | Unlimited | Unlimited |
| Portfolios | — | Unlimited | Unlimited |
| Sherpa Signal holder names | Anonymized | Anonymized | Revealed where disclosable |
Cost-basis exception
If you hold a bond in any of your portfolios, that bond's price view doesn't count against your monthly cap and isn't paywalled. P&L math needs real prices — gating them on your own holdings would be self-defeating.
What sign-in unlocks
- Watchlist + portfolios: track bonds across surfaces.
- Personalization: Your Fit + For You vector recommendations key off your positions. Without an account, both run in neutral preview mode.
- Higher quotas: 4× the anonymous price-view budget, 3× the search budget.
- Saved screens: bookmark filter combinations on the screener.
What Pro unlocks
- Unlimited bond price views — no monthly cap.
- Unlimited screener rows — see every bond in the filtered set, not just the first 100.
- Sherpa Signal holder names revealed where the underlying disclosure permits.
- Pro mode toggle in the screener — surfaces Fit + Flow columns + advanced filter ranges.
- Unlimited natural-language searches and For You cards.
- Larger radio queues (50 bonds per station vs 30 free / 10 anon).
Billing
Subscriptions are processed by Stripe. From your account page, you can:
- Upgrade or downgrade your plan.
- Update your card, billing address, or invoice contact.
- Cancel anytime — access remains through the end of the paid period.
- View past invoices and receipts.
The Stripe customer portal opens in a new tab. Card details never touch our servers — Stripe handles PCI scope end-to-end.
Currency display
The currency switcher in the top-right corner of the chrome bar changes the display currency across every surface — bond detail pages, portfolio P&L, market value cards, etc. Twelve fiat currencies + BTC + ETH.
The switcher only changes display. Underlying bond data is in its native currency; FX is applied at render time from cached ECB / CoinGecko rates (refreshed daily).
Account & data control
- Email — change from your account page; verification required.
- Password — managed by our auth provider (Clerk). Change from the account page or "forgot password" flow.
- Delete account — permanently removes your positions, watchlist, fit profile, and recommendations. The action is irreversible; we don't keep a recovery window.
- Privacy & cookies — see /privacy for the full disclosure. Analytics consent is opt-in via the cookie banner.