Saylor Innovations Roth Convers

Break-even retirement tax rate, after-tax values, sensitivity grid and conversion ladder

OtherUnknowneip155:8453Exactvia cdp

https://saylorinnovations.com/api/retirement/roth-conversion

RetirementPlanningCalculatorMonte-carloMortgage

Settlements · 30d

1,649↑ 29%

No per-endpoint history for this service yet, so this is payments indexed to its PROVIDER's wallet over 30 days.

$15.76

Verified settled volume

1,657 settlements proven x402 by their on-chain EIP-3009 marker.

$0.020

Listed price

As published in the catalog. Always read the live 402 before paying.

1

Calls · 30d

Upstream's own call count for this endpoint, not ours.

1

Unique payers · 30d

Last called 2026-10-26 06:37Z

—

Upstream on-chain volume

Reported by the source catalog.

Paid to

0xA2A8dF0f7CaaBEa4e120a2568118f141569fc8aa

The wallet the 402 directs payment to. Its whole payment record — every payer, every chain — is on the merchant page.

Asset 0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913

Provider

The payTo wallet does not resolve to a registered ERC-8004 agent. That is not a verdict on the service — most of the catalog is unregistered.

Accepts

The payment requirements as published to the catalog. Read the live 402 before paying — a price here is a claim, not a quote.

0.02USDC≈ $0.02 USD

on Base · exact scheme

Pay 0.02 USDC on Base to 0xA2A8…fc8aa. The signed payment is good for 2 minutes.

Paid to: 0xA2A8…fc8aa
USD Coin contract: 0x8335…02913
Payment window: 2 minutes
As published: 20000 smallest units

20000units

on Polygon · exact scheme

That figure is in the token’s smallest units. Roundhouse does not hold this contract’s decimals, so it is shown as published rather than converted.

Paid to: 0xA2A8…fc8aa
Token contract: 0x3c49…c3359
Payment window: 2 minutes

20000units

on Arbitrum · exact scheme

That figure is in the token’s smallest units. Roundhouse does not hold this contract’s decimals, so it is shown as published rather than converted.

Paid to: 0xA2A8…fc8aa
Token contract: 0xaf88…e5831
Payment window: 2 minutes

20000units

on solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp · exact scheme

That figure is in the token’s smallest units. Roundhouse does not hold this contract’s decimals, so it is shown as published rather than converted.

Paid to: 7LSjfr…Xacy7
Token contract: EPjFWd…TDt1v
Payment window: 2 minutes

20000units

on solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp · exact scheme

That figure is in the token’s smallest units. Roundhouse does not hold this contract’s decimals, so it is shown as published rather than converted.

Paid to: 7LSjfr…Xacy7
Token contract: Es9vMF…nwNYB
Payment window: 2 minutes

192650units

on solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp · exact scheme

That figure is in the token’s smallest units. Roundhouse does not hold this contract’s decimals, so it is shown as published rather than converted.

Paid to: 7LSjfr…Xacy7
Token contract: So1111…11112
Payment window: 2 minutes

The catalog’s raw entry

[
  {
    "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
    "extra": {
      "memo": "saylor:retirement:roth-conversio",
      "name": "USD Coin",
      "note": "Base settles through an x402 facilitator. Send payload.signature and payload.authorization (EIP-3009); there is no self-submitted path on this network.",
      "version": "2",
      "facilitatorOnly": true,
      "assetTransferMethod": "eip3009"
    },
    "payTo": "0xA2A8dF0f7CaaBEa4e120a2568118f141569fc8aa",
    "amount": "20000",
    "scheme": "exact",
    "network": "eip155:8453",
    "maxTimeoutSeconds": 120
  },
  {
    "asset": "0x3c499c542cEF5E3811e1192ce70d8cC03d5c3359",
    "extra": {
      "memo": "saylor:retirement:roth-conversio",
      "name": "USD Coin",
      "note": "Polygon settles through an x402 facilitator. Send payload.signature and payload.authorization (EIP-3009); there is no self-submitted path on this network.",
      "version": "2",
      "facilitatorOnly": true,
      "assetTransferMethod": "eip3009"
    },
    "payTo": "0xA2A8dF0f7CaaBEa4e120a2568118f141569fc8aa",
    "amount": "20000",
    "scheme": "exact",
    "network": "eip155:137",
    "maxTimeoutSeconds": 120
  },
  {
    "asset": "0xaf88d065e77c8cC2239327C5EDb3A432268e5831",
    "extra": {
      "memo": "saylor:retirement:roth-conversio",
      "name": "USD Coin",
      "note": "Arbitrum settles through an x402 facilitator. Send payload.signature and payload.authorization (EIP-3009); there is no self-submitted path on this network.",
      "version": "2",
      "facilitatorOnly": true,
      "assetTransferMethod": "eip3009"
    },
    "payTo": "0xA2A8dF0f7CaaBEa4e120a2568118f141569fc8aa",
    "amount": "20000",
    "scheme": "exact",
    "network": "eip155:42161",
    "maxTimeoutSeconds": 120
  },
  {
    "asset": "EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v",
    "extra": {
      "memo": "saylor:retirement:roth-conversio",
      "session": "eyJhcnRpY2xlSWQiOiJyZXRpcmVtZW50OnJvdGgtY29udmVyc2lvbiIsInJlZmVyZW5jZSI6IkZ4aFNIYnlaRWdueFI1NXZFZW44MTl6WWFLc0U5MlFjQ2hlVXpWeG5lNWkyIiwicmVjaXBpZW50IjoiN0xTamZySmY4Zk5zQjhWQTl1N04zV0VuMjVzbVFMcG9iM1N2eVV2WGFjeTciLCJtaW50IjoiRVBqRldkZDVBdWZxU1NxZU0ycU4xeHp5YmFwQzhHNHdFR0drWnd5VER0MXYiLCJtaW5BbW91bnQiOjIwMDAwLCJleHAiOjE3OTI5OTY3ODY1MzF9.T5Jq2_ojOIJwgahEJwNU1s6PssZRX9vTqCbKvr67ie4",
      "feePayer": "BENrLoUbndxoNMUS5JXApGMtNykLjFXXixMtpDwDR9SP",
      "reference": "FxhSHbyZEgnxR55vEen819zYaKsE92QcCheUzVxne5i2"
    },
    "payTo": "7LSjfrJf8fNsB8VA9u7N3WEn25smQLpob3SvyUvXacy7",
    "amount": "20000",
    "scheme": "exact",
    "network": "solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp",
    "maxTimeoutSeconds": 120
  },
  {
    "asset": "Es9vMFrzaCERmJfrF4H2FYD4KCoNkY11McCe8BenwNYB",
    "extra": {
      "memo": "saylor:retirement:roth-conversio",
      "session": "eyJhcnRpY2xlSWQiOiJyZXRpcmVtZW50OnJvdGgtY29udmVyc2lvbiIsInJlZmVyZW5jZSI6IkF2V1BlVldwa1lDcng5MkJwR1RwMWdueUJISFpOUjFpaGtZQXNEZDd2aG84IiwicmVjaXBpZW50IjoiN0xTamZySmY4Zk5zQjhWQTl1N04zV0VuMjVzbVFMcG9iM1N2eVV2WGFjeTciLCJtaW50IjoiRXM5dk1GcnphQ0VSbUpmckY0SDJGWUQ0S0NvTmtZMTFNY0NlOEJlbndOWUIiLCJtaW5BbW91bnQiOjIwMDAwLCJleHAiOjE3OTI5OTY3ODY1MzF9.3NSJsMQNEU4hRl2bhpBT4PFRezjNPN6L4GFbHM4NIwM",
      "feePayer": "BENrLoUbndxoNMUS5JXApGMtNykLjFXXixMtpDwDR9SP",
      "reference": "AvWPeVWpkYCrx92BpGTp1gnyBHHZNR1ihkYAsDd7vho8"
    },
    "payTo": "7LSjfrJf8fNsB8VA9u7N3WEn25smQLpob3SvyUvXacy7",
    "amount": "20000",
    "scheme": "exact",
    "network": "solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp",
    "maxTimeoutSeconds": 120
  },
  {
    "asset": "So11111111111111111111111111111111111111112",
    "extra": {
      "memo": "saylor:retirement:roth-conversio",
      "note": "Native SOL: send lamports with a system transfer, not an SPL transfer. Price is quoted live and this quote expires in 120s.",
      "native": true,
      "session": "eyJhcnRpY2xlSWQiOiJyZXRpcmVtZW50OnJvdGgtY29udmVyc2lvbiIsInJlZmVyZW5jZSI6IjllOWNtRTVoa3h6Tmg5TkZZM283RDRHNFBieGFMdWt2WE1CSFhOZGdXdXE2IiwicmVjaXBpZW50IjoiN0xTamZySmY4Zk5zQjhWQTl1N04zV0VuMjVzbVFMcG9iM1N2eVV2WGFjeTciLCJtaW50IjpudWxsLCJtaW5BbW91bnQiOjE5MjY1MCwiZXhwIjoxNzkyOTk2Nzg2NTMxfQ.IkMTVtVbfmxBnFhYrIT3mEkp0_QwMvtDHX04hZTgLqo",
      "reference": "9e9cmE5hkxzNh9NFY3o7D4G4PbxaLukvXMBHXNdgWuq6",
      "solUsdPrice": 100.7,
      "quotedLamports": "198609"
    },
    "payTo": "7LSjfrJf8fNsB8VA9u7N3WEn25smQLpob3SvyUvXacy7",
    "amount": "192650",
    "scheme": "exact",
    "network": "solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp",
    "maxTimeoutSeconds": 120
  }
]

Extensions

{
  "bazaar": {
    "info": {
      "input": {
        "type": "http",
        "method": "GET",
        "queryParams": {
          "pay_tax_from": "outside",
          "convert_amount": "50000",
          "growth_percent": "6",
          "tax_rate_now_percent": "22",
          "years_until_withdrawal": "15",
          "tax_rate_retirement_percent": "24"
        }
      },
      "output": {
        "type": "json",
        "example": {
          "verdict": "Converting wins by $3,100 after tax",
          "break_even_retirement_tax_percent": 19.9
        }
      }
    },
    "schema": {
      "type": "object",
      "$schema": "https://json-schema.org/draft/2020-12/schema",
      "required": [
        "input"
      ],
      "properties": {
        "input": {
          "type": "object",
          "required": [
            "type",
            "method"
          ],
          "properties": {
            "type": {
              "type": "string",
              "const": "http"
            },
            "method": {
              "enum": [
                "GET"
              ],
              "type": "string"
            },
            "queryParams": {
              "type": "object",
              "required": [
                "convert_amount",
                "tax_rate_now_percent",
                "tax_rate_retirement_percent",
                "years_until_withdrawal"
              ],
              "properties": {
                "pay_tax_from": {
                  "type": "string",
                  "description": "optional outside (default) or converted (withhold from the conversion) (query)"
                },
                "convert_amount": {
                  "type": "string",
                  "description": "required amount converted now (query)"
                },
                "growth_percent": {
                  "type": "string",
                  "description": "optional annual growth, default 6 (query)"
                },
                "tax_rate_now_percent": {
                  "type": "string",
                  "description": "required combined marginal rate on the conversion (federal plus state) (query)"
                },
                "years_until_withdrawal": {
                  "type": "string",
                  "description": "required (query)"
                },
                "tax_rate_retirement_percent": {
                  "type": "string",
                  "description": "required expected combined marginal rate on withdrawals later (query)"
                }
              }
            }
          },
          "additionalProperties": false
        },
        "output": {
          "type": "object",
          "required": [
            "type"
          ],
          "properties": {
            "type": {
              "type": "string",
              "const": "json"
            },
            "example": {
              "type": "object"
            }
          }
        }
      }
    }
  }
}

Provenance

Seen in the source catalog: 2026-10-26 06:37Z
Last indexed by Roundhouse: 2026-10-26 17:50Z
Last enriched (probe, favicon, geo): —
x402 version: 2
Max timeout: 120s
Liveness probe: Not probed

Hand this page to an agent

Copy the prompt and paste it into Claude, an MCP client or your own agent — it will vet this service and call it over the free read API. No key, no account.

GET api.roundhouseai.io/v0/endpoints

No per-endpoint history for this service yet, so this is payments indexed to its PROVIDER's wallet over 30 days. Verified volume counts only settlements with an on-chain EIP-3009 marker.

Show the prompt

Using Roundhouse, look up the x402 service Saylor Innovations  Roth Convers and tell me whether it is
worth paying: what a call costs, whether the endpoint answered when last probed, and what
its payment record actually shows.

curl -s 'https://api.roundhouseai.io/v0/endpoints?q=Saylor%20Innovations%20%20Roth%20Convers'
curl -s 'https://api.roundhouseai.io/v0/merchants/<the payTo wallet returned above>'

Then call it: read the price from the live 402 at https://saylorinnovations.com/api/retirement/roth-conversion, never from
a cached figure, and pay with an x402 client.

The /v0 API needs an API key (`authorization: Bearer rh_live_…`) on everything except
/v0/unified* and /v0/endpoints. Either pay over x402 (mint a personal key for $0.01 at
GET https://api.roundhouseai.io/v0/test/x402), or ask me for an organization key, which I create at
https://roundhouseai.io/dashboard/connections. If you have neither, ask before going further.

If you do not have Roundhouse tools or skills installed, read
https://roundhouseai.io/skill.md first — it is the whole procedure.