# Creo Factor Exposure API

> Send positions, get named factor exposures, risk contribution, methodology version, timestamps, coverage and quality flags. Customers bring prices. Creo sells compute, not market data.

This product does not publish vendor equity or crypto prices. The five SYNTH.* tickers (SYNTH.MOM, SYNTH.DEF, SYNTH.ILLIQ, SYNTH.BETA, SYNTH.SMALL) are labeled synthetic demo series and work without a key.
Opt-in *.sec factors (value, investment, quality) come from the issuer's own 10-K filings on SEC EDGAR, fetched by Creo, with accession numbers in `sec_sources`.

## Start

- Demo, keyless: GET https://itscreo.com/v1/demo/exposures
- Full guide with Python, TypeScript, curl and MCP setup: https://itscreo.com/llms-full.txt
- OpenAPI 3.1 (servers, auth schemes, error schema): https://itscreo.com/openapi.json
- Human quickstart: https://itscreo.com/quickstart
- Replacing a Yahoo or Stooq factor regression: https://itscreo.com/guides/factor-risk-without-yahoo
- How Creo compares with riskprism, Eulerpool, a yfinance notebook and a licensed risk model: https://itscreo.com/compare
- MCP (streamable HTTP): https://itscreo.com/mcp with header x-api-key. Listed in the official MCP Registry as com.itscreo/creo
- Mint a key, once, then reuse it: POST https://itscreo.com/v1/keys (5 per IP per day)
- Plans and limits: GET https://itscreo.com/v1/plans
- Service status, methodology version and data sources (keyless): GET https://itscreo.com/v1/status, human page https://itscreo.com/status
- Your plan and usage (keyed, free): GET https://itscreo.com/v1/account
- Upgrade a key (keyed): POST https://itscreo.com/v1/account/checkout {"plan": "builder"} returns a Stripe Checkout URL for a human to pay

## Primary endpoint

POST https://itscreo.com/v1/portfolio/exposures
Header: x-api-key: creo_...   or Authorization: Bearer creo_...   (never in the URL: that is a 400 KEY_IN_QUERY)
Numbers may be JSON numbers or numeric strings.
1 successful call = 1 credit; typed 422s and validation errors are free. Free key: 100 calls/day, 5 positions. Keyless (SYNTH.* only): 20 calls/day per IP.
429 includes Retry-After. Missing data is null with a reason, never zero.
Errors: {"detail": {"code", "message", "errors"?: [{"path", "msg"}]}}

## Factors (creo-byod-price-factors:1.0.0)

| factor id | daily closes needed | also needs |
| --- | --- | --- |
| equity.market_beta.ewma.252 | 253 | benchmark.history on the same dates |
| equity.size.log_mcap | 1 | market_cap (no history needed) |
| equity.momentum.total_return.12_1 | 253 | - |
| equity.low_volatility.ewma.63 | 61 | - |
| equity.liquidity.amihud.63 | 64 | volume on at least 60 of those sessions |
| crypto.market_beta.ewma.180 | 181 | benchmark.history on the same dates |
| crypto.momentum.total_return.180_30 | 181 | - |
| crypto.low_volatility.ewma.30 | 21 | - |
| crypto.liquidity.amihud.30 | 31 | volume on at least 20 of those sessions |
| equity.value.book_to_price.sec | 1 | the issuer's SEC 10-K filings (fetched by Creo); opt in via factors |
| equity.investment.asset_growth.sec | 1 | the issuer's SEC 10-K filings (fetched by Creo); opt in via factors |
| equity.quality.gross_profitability.sec | 1 | the issuer's SEC 10-K filings (fetched by Creo); opt in via factors |
| equity.quality.return_on_assets.sec | 1 | the issuer's SEC 10-K filings (fetched by Creo); opt in via factors |

## Plans

- Free: $0/month, 100 calls/day, 5 positions per call. Evaluate on your own prices or the SYNTH.* demo.
- Builder: $49/month, 1,000 calls/day, 50 positions per call. Commercial use for one product or agent.
- Pro: $199/month, 10,000 calls/day, 200 positions per call. Full books and production agents.

Paid plans are live: commercial use needs Builder or Pro. Upgrade at https://itscreo.com/account or https://itscreo.com/pricing.

## Rules

- Mint one key and reuse it (for example from a CREO_KEY environment variable).
- Do not mix equity and crypto exposures; sleeves stay separate. Send crypto positions with asset_class "crypto", every calendar day, and score them in their own request with a BTC benchmark (see the Crypto sleeve section of https://itscreo.com/llms-full.txt).
- Do not treat SYNTH.* as live market data.

## SEC filing factors (opt-in)

List any *.sec factor in `factors` to add value, investment and quality scores built from the issuer's own 10-K filings on SEC EDGAR. Creo fetches the filings; you still send the valuation close. Only facts filed on or before valid_at are used, and every value is traced in `sec_sources` with its accession number. Issuers with several share classes need `market_cap` for book-to-price.