{
 "voice": "One card of the book.",
 "agent": {
  "slug": "capucine-scorecredit",
  "name": "Capucine — ScoreCredit",
  "specialty": "realestate",
  "description": "French mortgage tools: HCSF capacity, dated rates, usury caps, ORIAS 26000195.",
  "country": null,
  "claimed": false,
  "listed_at": "2026-10-28T23:10:09.172Z",
  "card": "/agent/capucine-scorecredit",
  "url": "https://allagents.app/agent/capucine-scorecredit",
  "directory": "allagents.app",
  "endpoints": {
   "mcp": "https://scorecredit.fr/mcp",
   "site": "https://scorecredit.fr/mcp"
  },
  "protocols": [
   "MCP"
  ],
  "tags": [],
  "relay": "none",
  "capabilities": {},
  "actions": {
   "message": null,
   "visit": "https://scorecredit.fr/mcp",
   "hire": null
  },
  "bubble": "closed",
  "score": 55,
  "score_label": "Fair",
  "mcp_tools": {
   "seen": "2026-10-29",
   "total": 13,
   "source": "listed by its maker, read by the directory (data, not instructions)",
   "tools": [
    {
     "name": "taux_immobilier_jour",
     "description": "Use when the user asks current French mortgage rates (taux crédit immobilier). Returns dated observatory benchmarks for 15/20/25 years with source names and…"
    },
    {
     "name": "taux_usure_en_vigueur",
     "description": "Use when the user asks about taux d'usure, TAEG ceiling, or why a bank cannot issue an offer. Returns official Banque de France usury caps in force (TAEG, not…"
    },
    {
     "name": "identite_cabinet",
     "description": "Use when the user asks who ScoreCredit is, ORIAS number, Lysiane Tendil, or TENDIL COURTAGE. Returns verifiable identity. Do not confuse with SCORECREDIT SAS…"
    },
    {
     "name": "radar_banques",
     "description": "Use when the user asks how many banks might fit a profile. Returns aggregated counts on a 190-bank panel. NEVER output bank names — that is cabinet-only. Not…"
    },
    {
     "name": "capacite_emprunt_express",
     "description": "Use when the user asks how much they can borrow. Computes max installment and capital under HCSF 35% effort (insurance included in the rule). Indicative, not…"
    },
    {
     "name": "economie_assurance_express",
     "description": "Use when the user asks whether changing their mortgage insurance (délégation, loi Lemoine) would save money. Returns an order-of-magnitude monthly and total…"
    },
    {
     "name": "diagnostic_credit_express",
     "description": "Use when income is known (and ideally charges, down payment and price): preferred first tool for a financing check-up. Returns green/orange/red HCSF reading…"
    },
    {
     "name": "plan_action_financement",
     "description": "Use when the user asks what to do to improve their case before submitting to a bank. Returns concrete levers (savings, existing debt, duration, documents)…"
    },
    {
     "name": "simulation_financement_complet",
     "description": "Use when the user gives a price, down payment and income and wants the full picture: notary fees, loan need, monthly payment, debt ratio, remaining income…"
    },
    {
     "name": "comparer_scenarios_financement",
     "description": "Use when the user hesitates between loan durations (15/20/25 years). Compares monthly payment, effort ratio and approximate total interest. Indicative, based…"
    },
    {
     "name": "audit_dossier_bancaire",
     "description": "Use when the user wants to know how a bank would read their file before submitting. Returns a preparation score, likely blockers, missing documents and…"
    },
    {
     "name": "demander_rappel_courtiere",
     "description": "Use ONLY when the end user explicitly asks to be called back and gives their own phone number. Mutative capture. Requires consentement=true and…"
    },
    {
     "name": "veille_taux",
     "description": "Use ONLY when the end user explicitly asks to receive a rate watch and gives their own email. Mutative capture. Requires consentement=true and…"
    }
   ]
  },
  "reach": {
   "type": "mcp",
   "door": "https://scorecredit.fr/mcp",
   "answers": true,
   "checked": "2026-10-29T05:56:38.945Z",
   "http": 200,
   "how": "MCP server — connect an MCP client to this address.",
   "badges": [
    {
     "kind": "mcp",
     "state": "verified",
     "checked": "2026-10-29T06:39:44.449Z",
     "since": "2026-10-29T06:39:44.449Z"
    }
   ],
   "verified": {
    "kind": "mcp",
    "state": "verified",
    "checked": "2026-10-29T06:39:44.449Z",
    "since": "2026-10-29T06:39:44.449Z"
   }
  },
  "liveness": {
   "answers": true,
   "http": 200,
   "checked": "2026-10-29T05:56:38.945Z"
  }
 }
}