# compound_interest

Compound growth / savings calculator: future value of a principal plus monthly contributions at any compounding frequency (incl. continuous), contributions at start or end of month, inflation-adjusted value, APR <-> APY conversion, doubling time, months to reach a target and a yearly breakdown. Works for savings, staking yields and DCA projections. Price: $0.001 USDC per successful call (x402, Solana). Same tool over HTTPS: GET https://scorptech.it.com/api/x402/v1/compound-interest

Agent View of the PolicyLayer registry record for `compound_interest`. HTML page: https://policylayer.com/tools/com-it-scorptech-x402/compound-interest

## Facts

- Tool: `compound_interest`
- Server: ScorpTech x402 API (`https://scorptech.it.com/api/x402/mcp`) — https://policylayer.com/tools/com-it-scorptech-x402.md
- Homepage: https://github.com/https://scorptech.it.com/api/x402/mcp
- Risk category: Execute (High risk)
- Registry record: grade F, identity unverified
- Server auth posture: open
- Server CORS policy: *
- Server rate-limited: no
- Parameters: 9
- Recommended policy verdict: Rate-limited

## Parameters

| Parameter | Type | Required | Description |
| --- | --- | --- | --- |
| `years` | number | no |  |
| `apyPct` | number | no | Effective annual yield in percent (converted to the APR for the compounding) |
| `target` | number | no | Optional goal amount: months needed to reach it |
| `principal` | number | no |  |
| `compounding` | string | no |  |
| `inflationPct` | number | no | Annual inflation for the real (today's money) value |
| `annualRatePct` | number | no | Nominal annual rate (APR) in percent; or give apyPct |
| `contributionTiming` | string | no |  |
| `monthlyContribution` | number | no |  |

Parameters from the server's own tool schema.

## Example call (MCP tools/call, JSON-RPC 2.0)

```json
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/call",
  "params": {
    "name": "compound_interest",
    "arguments": {}
  }
}
```

## Why compound_interest is rated High

compound_interest triggers real processes with real consequences. An agent gone sideways doesn't fire it once. It starts dozens of builds, sends mass notifications, or burns through compute before anyone looks up.

## Use case

AI agents invoke compound_interest to trigger actions in ScorpTech x402 API. What it does depends on the arguments the agent supplies, and its effects often reach beyond the immediate call: builds kicked off, notifications sent, workflows started.

## Recommended policy (PolicyLayer)

Verdict: **Rate-limited**. Enforced by the PolicyLayer MCP gateway (https://policylayer.com/mcp-gateway) before a call reaches ScorpTech x402 API:

```json
{
  "version": "1",
  "default": "deny",
  "tools": {
    "compound_interest": {
      "limits": [
        {
          "counter": "compound_interest_rate",
          "window": "minute",
          "max": 10,
          "scope": "grant"
        }
      ]
    }
  }
}
```

## Other tools on ScorpTech x402 API (1011)

- `collatz_drop` — Destructive — https://policylayer.com/tools/com-it-scorptech-x402/collatz-drop.md
- `dedupe_records` — Destructive — https://policylayer.com/tools/com-it-scorptech-x402/dedupe-records.md
- `evm_selector_decode` — Destructive — https://policylayer.com/tools/com-it-scorptech-x402/evm-selector-decode.md
- `frames_timecode` — Destructive — https://policylayer.com/tools/com-it-scorptech-x402/frames-timecode.md
- `ip_reputation` — Destructive — https://policylayer.com/tools/com-it-scorptech-x402/ip-reputation.md
- `led_resistor` — Destructive — https://policylayer.com/tools/com-it-scorptech-x402/led-resistor.md
- `ruler_odd` — Destructive — https://policylayer.com/tools/com-it-scorptech-x402/ruler-odd.md
- `sql_format` — Destructive — https://policylayer.com/tools/com-it-scorptech-x402/sql-format.md
- `timecode_diff` — Destructive — https://policylayer.com/tools/com-it-scorptech-x402/timecode-diff.md
- `timecode_duration` — Destructive — https://policylayer.com/tools/com-it-scorptech-x402/timecode-duration.md
- `timecode_frames` — Destructive — https://policylayer.com/tools/com-it-scorptech-x402/timecode-frames.md
- `abi_encode` — Execute — https://policylayer.com/tools/com-it-scorptech-x402/abi-encode.md
- `apery_term` — Execute — https://policylayer.com/tools/com-it-scorptech-x402/apery-term.md
- `ballot` — Execute — https://policylayer.com/tools/com-it-scorptech-x402/ballot.md
- `baum_sweet` — Execute — https://policylayer.com/tools/com-it-scorptech-x402/baum-sweet.md
- `binom` — Execute — https://policylayer.com/tools/com-it-scorptech-x402/binom.md
- `bit_subset` — Execute — https://policylayer.com/tools/com-it-scorptech-x402/bit-subset.md
- `biunitary_sigma` — Execute — https://policylayer.com/tools/com-it-scorptech-x402/biunitary-sigma.md
- `champernowne_start` — Execute — https://policylayer.com/tools/com-it-scorptech-x402/champernowne-start.md
- `clinical_trials` — Execute — https://policylayer.com/tools/com-it-scorptech-x402/clinical-trials.md
- `coin_min` — Execute — https://policylayer.com/tools/com-it-scorptech-x402/coin-min.md
- `coin_ways` — Execute — https://policylayer.com/tools/com-it-scorptech-x402/coin-ways.md
- `color_palette` — Execute — https://policylayer.com/tools/com-it-scorptech-x402/color-palette.md
- `cron_explain` — Execute — https://policylayer.com/tools/com-it-scorptech-x402/cron-explain.md
- `curl_to_code` — Execute — https://policylayer.com/tools/com-it-scorptech-x402/curl-to-code.md
- `date_calc` — Execute — https://policylayer.com/tools/com-it-scorptech-x402/date-calc.md
- `delannoy` — Execute — https://policylayer.com/tools/com-it-scorptech-x402/delannoy.md
- `delannoy_sum` — Execute — https://policylayer.com/tools/com-it-scorptech-x402/delannoy-sum.md
- `dmarc_report_parse` — Execute — https://policylayer.com/tools/com-it-scorptech-x402/dmarc-report-parse.md
- `dockerfile_lint` — Execute — https://policylayer.com/tools/com-it-scorptech-x402/dockerfile-lint.md
- …and 981 more: https://policylayer.com/tools/com-it-scorptech-x402.md

## For agents

This record is a snapshot. Live verdicts and the full registry:

- Check every server in your MCP config at once: `npx -y policylayer stack`
- Vet a server before you add it: install the mcp-precheck skill — `npx skills add https://policylayer.com` (skill text: https://policylayer.com/skill.md)
- Query the registry over MCP: endpoint `https://api.policylayer.com/mcp` — tools `check_mcp_server`, `check_mcp_stack`, `check_tool`, `search_registry`, `get_change_events`

---

Source: the PolicyLayer MCP registry — one continuously verified record per MCP server. Full record: https://policylayer.com/registry?q=com-it-scorptech-x402 · API: https://policylayer.com/registry/api · Policy library: https://policylayer.com/policies/com-it-scorptech-x402