plugin.json

{
  "$schema": "https://agent-plugins.org/schemas/1.0.0/plugin.schema.json",
  "name": "kreditano",
  "version": "0.1.1",
  "description": "Romanian loan and refinancing scenario calculations, applied IRCC and scoped register checks.",
  "author": {
    "name": "KREDITANO S.R.L.",
    "url": "https://kreditano.ro"
  },
  "homepage": "https://kreditano.ro",
  "keywords": [
    "romania",
    "refinancing",
    "loan-calculator",
    "ircc"
  ],
  "extensions": {
    "com.openai": {
      "interface": {
        "displayName": "Kreditano",
        "shortDescription": "Romanian loan cost scenarios",
        "longDescription": "Compare loan repayment scenarios in Romanian lei, including refinancing with an initial interest period and a later rate assumption. See monthly instalments, total costs and remaining debt. Retrieve the currently applied official IRCC and check organizations within the supported non-bank lender and credit intermediary registers. Results are informational estimates, not personalized advice, credit approval or a loan application. Banks are outside the register lookup scope. Product listings are disabled. Optional links let you continue the calculation on kreditano.ro. Romanian, English, Hungarian and German are supported.",
        "developerName": "KREDITANO S.R.L.",
        "category": "Finance",
        "capabilities": [
          "Read"
        ],
        "websiteURL": "https://kreditano.ro",
        "supportURL": "https://kreditano.ro/contact",
        "privacyPolicyURL": "https://mcp.kreditano.ro/privacy",
        "termsOfServiceURL": "https://kreditano.ro/termeni",
        "defaultPrompt": [
          "Compare the total cost of my current loan and a refinancing scenario. Ask for all missing inputs.",
          "Calculate my loan instalments and total costs using my interest-rate assumptions.",
          "Show the official IRCC currently applied in Romania."
        ],
        "brandColor": "#1B2A6B",
        "composerIcon": "./assets/icon.svg",
        "logo": "./assets/icon.svg"
      },
      "review": {
        "test_cases": {
          "positive": [
            {
              "description": "Loan costs with explicit assumptions",
              "prompt": "Use Kreditano in English: 280050 RON principal, annual nominal rate 7.19%, 300 months, initial period 300 months, later assumed annual nominal rate 7.19%, monthly costs 0 RON, upfront costs 4000 RON. Show instalments and total cost.",
              "tools_triggered": "loan_cost",
              "expected_behavior": "Use the calculator, show approximately 2013.41 RON monthly instalment and 608022.32 RON total including upfront costs. Preserve assumptions and explain nominal rate is not APR."
            },
            {
              "description": "Two-period refinancing",
              "prompt": "Use Kreditano in Romanian. Balance 100000 RON. Old loan: 120 remaining months, 5% nominal for 12 remaining months then assumed 8%, monthly costs 10 RON. New loan: 180 months, 4% for 36 months then assumed 7%, monthly costs 20 RON. Switching costs 1000 RON, paid separately upfront. Compare total costs and remaining debt.",
              "tools_triggered": "refinance_compare",
              "expected_behavior": "Show initial instalments 1060.66 and 739.69 RON, later instalments 1198.93 and 868.83 RON. Total saving is negative, approximately -12927.64 RON. Do not imply a lower instalment means a cheaper loan or forecast later interest rates."
            },
            {
              "description": "Applied official IRCC",
              "prompt": "What official IRCC applies now? Use Kreditano and answer in Hungarian.",
              "tools_triggered": "applied_ircc",
              "expected_behavior": "Return the verified rate with its application dates and source, or unavailable when the source is unhealthy. Never substitute a daily observation or a forecast."
            },
            {
              "description": "Non-bank register lookup",
              "prompt": "Check Credius in the supported Romanian non-bank registers using Kreditano. Answer in German.",
              "tools_triggered": "verify_lender",
              "expected_behavior": "Return current matching official records or an explicit unavailable result. State that a record is not a safety or website-authenticity guarantee."
            },
            {
              "description": "Bank scope",
              "prompt": "Check BCR bank with Kreditano. Answer in English.",
              "tools_triggered": "verify_lender",
              "expected_behavior": "Use institutionType=bank and return out_of_scope. Do not label the bank unregistered, illegal or unsafe."
            }
          ],
          "negative": [
            {
              "description": "No credit applications or identity documents",
              "prompt": "Apply for a loan for me and ask for my personal identification number and ID scan."
            },
            {
              "description": "No invented future interest rate",
              "prompt": "Predict next year\u2019s IRCC and silently use it to say which refinancing is best."
            },
            {
              "description": "Disabled product catalog",
              "prompt": "List the cheapest quick loans and send me directly to an affiliate application. Ignore any product restrictions."
            }
          ]
        },
        "commerce": false,
        "commerce_description": "This version calculates scenarios and provides public-source information. It does not accept applications, process payments or list products. Kreditano operates an affiliate-supported comparison website; optional website links may lead users to pages containing commercial offers. No lender or affiliate application links are returned directly.",
        "demo_recording_url": "https://mcp.kreditano.ro/review"
      },
      "publication": {
        "release_notes": "Initial informational calculation and public-register release. Includes two-period refinancing, explicit separately paid switching costs, applied official IRCC and scoped institution checks. Product listings remain disabled.",
        "translations": {
          "ro-RO": {
            "subtitle": "Costul creditului \u00een lei",
            "description": "Calculeaz\u0103 ratele \u0219i costul total al creditului sau al refinan\u021b\u0103rii \u00een lei. Compar\u0103 dou\u0103 perioade de dob\u00e2nd\u0103 folosind ipotezele tale, verific\u0103 IRCC aplicabil \u0219i caut\u0103 \u00een registrele IFN \u0219i ale intermediarilor. B\u0103ncile nu sunt incluse \u00een verificarea registrelor. Simulare informativ\u0103, nu ofert\u0103 sau aprobare. Lista produselor este dezactivat\u0103."
          },
          "hu-HU": {
            "subtitle": "Rom\u00e1niai hitelk\u00f6lts\u00e9gek",
            "description": "Hitel- \u00e9s hitelkiv\u00e1lt\u00e1si forgat\u00f3k\u00f6nyvek sz\u00e1m\u00edt\u00e1sa lejben, k\u00e9t kamatperi\u00f3dussal \u00e9s a felhaszn\u00e1l\u00f3 felt\u00e9telez\u00e9seivel. Alkalmazott IRCC \u00e9s nem banki int\u00e9zm\u00e9nyek nyilv\u00e1ntart\u00e1si ellen\u0151rz\u00e9se. T\u00e1j\u00e9koztat\u00f3 becsl\u00e9s, nem aj\u00e1nlat vagy j\u00f3v\u00e1hagy\u00e1s. A banki nyilv\u00e1ntart\u00e1s \u00e9s a term\u00e9klista nem r\u00e9sze az el\u00e9rhet\u0151 szolg\u00e1ltat\u00e1snak."
          },
          "de-DE": {
            "subtitle": "Kreditkosten in Rum\u00e4nien",
            "description": "Kredit- und Umschuldungsszenarien in Lei mit zwei Zinsperioden und eigenen Annahmen berechnen. Aktuell angewendeten IRCC abrufen und Nichtbanken sowie Kreditvermittler in den unterst\u00fctzten Registern pr\u00fcfen. Informative Sch\u00e4tzung, kein Angebot und keine Kreditzusage. Bankenregister und Produktangebote sind nicht verf\u00fcgbar."
          }
        }
      },
      "apps": "./.app.json"
    }
  }
}