Credits and limits

What Fincept MCP requires, what it costs, and the limits that apply to every call.

Plan

Fincept MCP is included in every Fincept Exclusive plan: Exclusive, Exclusive+ and Exclusive Pro. Every tool your plan includes in the terminal is available to your agent; quotas (watchlists, portfolios, history depth) are the same.

Credits

Most tools are free. Tools that cost credits in the terminal cost the same here, from the same balance:

• The price is in each tool’s description, so the agent sees it before calling.
• Charges happen on a delivered result. Failed, empty and refused calls cost nothing.
• Daily spend caps and per-action hourly caps apply as in the terminal (402 spend_cap_reached).
• Engine tools are free: Fincept Stats, Forecast, Allocation, Portfolio Optimizer, Quant, Volatility, Panel, TS Forecast, Technicals, Change Points, Regimes, Copula, Multi-Period, Portfolio Lab, Pricing, Scanner and Performance.

The credits reference lists every tool that can spend credits. Check your balance with account_get_credits and your spending with account_get_usage.

Rate limit

Limit	Value
Requests per account	120 per minute, bursts up to 40
Request body	1 MB

Every MCP message counts as one request, including tools/list and discovery calls. Past the limit the server answers HTTP 429 with Retry-After; clients retry on their own.

Fincept Scanner’s requests to the market data source are also paced across the whole server. When that pace is reached, a scanner tool answers busy with details.retry_after_s, the seconds to wait; retrying sooner gets the same answer.

Time limits

Call	Limit
Most tools	30 seconds
Analytics, screeners, portfolio reports, AI answers	60 to 180 seconds
backtest_run / backtest_optimize	5 / 10 minutes
Fincept Stats	90 seconds, up to 300 seconds for heavy models
Fincept Forecast	90 seconds, up to 300 seconds for heavy tools
Fincept Allocation	90 seconds, up to 300 seconds for heavy tools
Fincept Portfolio Optimizer	90 seconds, up to 180 seconds for heavy tools
Fincept Quant	90 seconds, up to 300 seconds for heavy tools
Fincept Volatility	90 seconds, up to 300 seconds for heavy tools
Fincept Panel	90 seconds, up to 300 seconds for heavy tools
Fincept TS Forecast	90 seconds, up to 300 seconds for heavy tools
Fincept Technicals	90 seconds
Fincept Change Points	90 seconds, up to 300 seconds for heavy tools
Fincept Regimes	90 seconds, up to 300 seconds for heavy tools
Fincept Copula	90 seconds, up to 300 seconds for heavy tools
Fincept Multi-Period	90 seconds, up to 300 seconds for heavy tools
Fincept Portfolio Lab	90 seconds, up to 300 seconds for heavy tools
Fincept Pricing	90 seconds, up to 300 seconds for heavy tools
Fincept Scanner	75 seconds; scan_history and scan_returns answer within about 45 seconds and continue in the next call
Fincept Performance	30 to 120 seconds; perf_rolling and perf_bootstrap 180 seconds, perf_backtest_overfitting 300 seconds

A call past its limit returns an error envelope with code timeout.

Result size

Item	Value
Inline result	About 40 KB; larger results are stored and previewed
Stored result	Up to 25 MB, kept 24 hours

See results.