API reference

Quickstart

1. Issue an API key from the dashboard
2. Hit a free endpoint to confirm auth works
3. Top up credits via /billing/top-up to unlock metered endpoints

curl https://smart.worldclasstitle.com/api/v1/account \
  -H "Authorization: Bearer wct_live_..."

Authentication

Every request needs a bearer key. For embeddable surfaces (MapLibre tile sources) the key can ride in the URL via ?token=….

Authorization: Bearer wct_live_…
# OR (tiles only)
GET /api/v1/parcels/tiles/15/8688/12556?token=wct_live_…

Keys are SHA-256 hashed at rest. Plaintext is returned ONCE at creation time. Revoke and re-issue from the dashboard if lost.

Tiers & rate limits

Tier is derived from lifetime spend plus card-on-file. Endpoint gating + rate limits scale by tier.

Credits & pricing

1 credit = $0.10. Bigger packs discount up to 44%. Purchased credits never expire; WCT-issued comp credits expire in 90 days. Top up at /billing/top-up.

Pre-flight cost: POST /v1/cost-estimate tells you exactly what a call will burn before you make it.

Response envelope

Every /v1/* response wraps in:

{
  "data": { /* endpoint-specific payload */ },
  "_meta": {
    "cost_credits": 10,
    "balance_after": 1234,
    "cached": false,
    "data_fetched_at": "2026-04-12T14:31Z",
    "freshness_days": 47,
    "tier": "verified",
    "coverage": { "available": true }
  }
}

Errors set data: null + an error object. Coverage gaps return 200 with coverage_gap + request URL.

Parcel data

Vector tiles

MapLibre-compatible MVTs. Drop into any map without a backend integration.

map.addSource("smartzero-parcels", {
  type: "vector",
  tiles: [
    "https://smart.worldclasstitle.com/api/v1/parcels/tiles/{z}/{x}/{y}.mvt?token=wct_live_…"
  ],
  minzoom: 10,
  maxzoom: 18
});
map.addLayer({
  id: "smartzero-parcels-fill",
  type: "fill",
  source: "smartzero-parcels",
  "source-layer": "parcels",
  paint: {
    "fill-color": ["case",
      ["get", "is_absentee"], "#f97316",
      "#3b82f6"
    ],
    "fill-opacity": 0.3
  }
});

Custom layers

Upload a CSV keyed by parcel_id — get an embeddable MVT tile source with your data joined to parcel geometry. Numeric properties are typed for MapLibre expressions. Free, standard tier.

Webhooks

Outbound HTTP POSTs when parcels move. Each delivered event costs 1 credit. Pro tier. Events: recorded_instrument, new_mortgage, new_lien, foreclosure_filing, tax_delinquency, owner_change, last_sale_change.

Signature verification (Node.js):

import { createHash, createHmac, timingSafeEqual } from "crypto";

function verify(secret, rawBody, signatureHeader) {
  const parts = Object.fromEntries(
    signatureHeader.split(",").map(p => p.split("="))
  );
  const key = createHash("sha256").update(secret).digest("hex");
  const expected = createHmac("sha256", key)
    .update(`${parts.t}.${rawBody}`).digest("hex");
  return timingSafeEqual(Buffer.from(expected), Buffer.from(parts.v1));
}

Retries follow ~0s, 30s, 2min, 10min, 1h. 20 consecutive failures auto-disables the sub (re-enable in the dashboard).

Preliminary title search

Full ATSE-pipeline title search: chain of title, lien resolution, owner cascade, commitment-ready output. 300 credits / search, refunded automatically if the pipeline fails. Pro tier. Async — kickoff returns a job_id, poll for completion.

Suggested poll: every 30s for 5 minutes, then 2min. Status flows queued → running → complete / failed / refunded.

Coverage & roadmap

Ask AI

Natural-language Q&A grounded on a parcel — chain of title, distress, valuation context. 30 credits / call, Pro tier.

curl -X POST https://smart.worldclasstitle.com/api/v1/ask \
  -H "Authorization: Bearer wct_live_…" \
  -H "Content-Type: application/json" \
  -d '{"parcel_id":"010-123456","question":"Walk me through the title chain."}'

Billing & account

MCP server

Same data, same credit ledger, exposed as Claude Code tools over Streamable HTTP. One command and Claude can call 27 tools — search parcels, skip-trace, register webhooks, upload layers, run preliminary searches, all from a conversation.

claude mcp add --transport http smart-zero \
  --url https://smart.worldclasstitle.com/api/mcp \
  --header "Authorization: Bearer wct_live_…"

Tool descriptions explain credit costs inline so the model can budget. Use estimate_cost before bulk operations.

Errors