# Tepilora Full

> Self-contained guide for AI systems and developers using the Tepilora financial intelligence ecosystem. Covers authentication, API categories, pricing, code examples, and response formats.

## Overview

Tepilora is a financial intelligence ecosystem that unifies data, analytics, and AI into one platform. Built by Tepilora S.R.L. (Milano, Italy, VAT IT11553700961).

- **Coverage**: 400,000+ securities (mutual funds, ETFs, stocks, bonds, indices) across 80+ exchanges, 53+ years of end-of-day history
- **Analytics**: 279 server-side operations across 28 categories
- **REST API**: 279 endpoints, OpenAPI 3.0 documented
- **Data frequency**: End-of-day prices, updated daily, all timestamps UTC
- **Identifiers**: ISIN + exchange MIC code (e.g., `IE00B4L5Y983EURXMIL` for iShares MSCI World on Milan)
- **Not a broker**: Informational and analytical purposes only. Not investment advice.

## Access Modes

| Mode | Description | Best For |
|------|-------------|----------|
| **MarketOcean** | Web dashboard with AI assistant | Visual exploration, screening, non-technical users |
| **REST API** | 279 endpoints, JSON/CSV responses | Backend integration, automated workflows |
| **Python SDK** | `pip install tepilora` — DataFrame output | Data science, notebooks, quantitative research |
| **MCP Protocol** | `pip install tepilora-mcp` — for AI agents | Claude, ChatGPT, any MCP-compatible AI agent |


## AgenticCompany

AgenticCompany is a Tepilora business unit for managed Agentic AI operations. It is separate from the Tepilora financial analytics subscription plans. Instead of providing a tool or framework, AgenticCompany installs a managed agentic workforce around customer workflows: specialized agents, human coordination, European infrastructure, and operational traceability.

Canonical page: https://tepiloradata.com/agentic
Primary CTA: https://tepiloradata.com/contact?topic=agentic

## Canonical Links

- Main site: https://tepiloradata.com
- Pricing: https://tepiloradata.com/pricing
- API docs (Swagger UI): https://tepiloradata.com/T-Api/v3/docs
- OpenAPI spec: https://tepiloradata.com/T-Api/v3/openapi.json
- llms.txt: https://tepiloradata.com/llms.txt
- Python SDK: https://pypi.org/project/Tepilora/
- MCP server: https://pypi.org/project/tepilora-mcp/

## Authentication

### Getting Started
1. Sign up at https://tepiloradata.com/register (free trial on Explorer plan)
2. After login, find your API key in the dashboard under Account > API Key
3. Use the API key in all requests

### REST API Authentication
```
Authorization: Bearer YOUR_API_KEY
```
Or as query parameter:
```
?apikey=YOUR_API_KEY
```

### Python SDK Authentication
```python
from tepilora import Client
client = Client(api_key="YOUR_API_KEY")
```

### MCP Authentication
Set environment variable:
```bash
export TEPILORA_API_KEY="YOUR_API_KEY"
```

## Pricing and Credits

All plans include access to the full ecosystem (Dashboard, API, SDK, MCP). Differences are in monthly credit allowance and infrastructure.

| Plan | Monthly Price | Monthly Credits | Daily Limit | AI Models |
|------|--------------|-----------------|-------------|-----------|
| Explorer | EUR 9 | 300 | 50/day | Leading AI models |
| Professional | EUR 49 | 5,000 | 500/day | Leading AI models |
| Business | EUR 99 | 15,000 | 1,500/day | Leading AI models |
| Enterprise | EUR 299 | 50,000 | Unlimited | Leading AI models + dedicated infrastructure |

**Credit rules**: Each API call consumes 1 credit. Some advanced operations (portfolio optimization, factor models, stress testing) may consume more. Credits reset monthly on billing date.

## API Categories (28 total, 279 operations)

The API is organized into 28 categories. See the OpenAPI spec at https://tepiloradata.com/T-Api/v3/openapi.json for the complete list of endpoints with request/response schemas.

### Securities Data
- **Search**: Find securities by name, ISIN, or keyword
- **Description**: Full security metadata (asset class, currency, exchange, benchmark, inception date)
- **Historical Prices**: End-of-day OHLCV data with date range filtering
- **Intraday**: Intraday price snapshots (where available)
- **Related Securities**: Find related funds, share classes, benchmarks

### Analytics — Risk & Performance
- **Rolling Volatility**: Annualized volatility over rolling windows
- **Rolling Performance**: Cumulative performance over rolling windows (base 100)
- **Annual Returns**: Calendar-year returns
- **Annual Volatility**: Calendar-year annualized volatility
- **Drawdown**: Maximum drawdown and drawdown series
- **Sharpe Ratio**: Risk-adjusted return (rolling and static)
- **Sortino Ratio**: Downside risk-adjusted return
- **VaR / CVaR**: Value at Risk and Conditional VaR (parametric, historical, Monte Carlo)
- **GARCH**: Volatility modeling and forecasting
- **Tracking Error**: Deviation from benchmark
- **Information Ratio**: Active return per unit of tracking error
- **Beta**: Market sensitivity

### Analytics — Portfolio
- **Portfolio Breakdowns**: Asset allocation, sector, geography, currency decomposition
- **Portfolio Optimization**: Mean-variance, min-variance, max Sharpe, risk parity
- **Factor Models**: Fama-French (3, 5 factors), Carhart, custom factor exposure
- **Correlation Matrix**: Pairwise correlation across securities
- **Covariance Matrix**: Variance-covariance estimation

### Analytics — Fixed Income
- **Yield to Maturity**: Bond YTM calculation
- **Duration**: Macaulay and Modified duration
- **Convexity**: Bond convexity
- **Credit Spread**: Spread over risk-free rate
- **Bond Screening**: Filter by maturity, coupon, rating, currency

### Analytics — Derivatives
- **Options Pricing**: Black-Scholes, binomial models
- **Greeks**: Delta, gamma, theta, vega, rho
- **Implied Volatility**: IV surface and smile
- **Stress Testing**: Scenario analysis and shock propagation

### Analytics — ESG & Sustainability
- **ESG Scores**: Environmental, Social, Governance ratings
- **Carbon Metrics**: Carbon intensity, footprint
- **Sustainability Screening**: Filter by ESG criteria

### Analytics — Macro & News
- **Macro Indicators**: 1,319 indicators across 60 countries (GDP, inflation, unemployment, rates)
- **News Intelligence**: Market news with AI-powered summarization and sentiment
- **Market Snapshots**: Real-time market overview data

### Analytics — Stocks & Technicals
- **Technical Analysis**: MACD, RSI, Bollinger Bands, moving averages, and 20+ indicators
- **Fundamentals**: Revenue, earnings, P/E, P/B, dividend yield (where available)

### Platform Operations
- **MiFID**: Regulatory data (costs, charges, risk indicators)
- **Fees**: Management fees, TER, entry/exit costs
- **AI Chat**: Natural language queries about securities and markets

## Common Workflows

### 1. Search for a security
```bash
curl -X POST https://tepiloradata.com/T-Api/v3/securities/search \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"query": "MSCI World ETF"}'
```

### 2. Get historical prices
```bash
curl -X POST https://tepiloradata.com/T-Api/v3/securities/history \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"identifiers": ["IE00B4L5Y983EURXMIL"], "startDate": "2020-01-01", "endDate": "2024-12-31"}'
```

### 3. Run rolling volatility
```bash
curl -X POST https://tepiloradata.com/T-Api/v3/analytics/rolling-volatility \
  -H "Authorization: Bearer YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"identifiers": ["IE00B4L5Y983EURXMIL"], "window": 252}'
```

### 4. Python SDK examples
```python
from tepilora import Client

client = Client(api_key="YOUR_API_KEY")

# Search
results = client.search("MSCI World")

# Historical prices — returns pandas DataFrame
prices = client.history(
    identifiers=["IE00B4L5Y983EURXMIL"],
    start_date="2020-01-01",
    end_date="2024-12-31"
)

# Analytics
volatility = client.analytics.rolling_volatility(
    identifiers=["IE00B4L5Y983EURXMIL"],
    window=252
)

# Portfolio analysis
portfolio = client.portfolio.optimize(
    identifiers=["IE00B4L5Y983EURXMIL", "LU0274208692EURXLUX"],
    weights=[0.6, 0.4],
    method="max_sharpe"
)
```

## Response Format

### Success response (JSON)
```json
{
  "status": "success",
  "data": {
    "IE00B4L5Y983EURXMIL": {
      "name": "iShares Core MSCI World UCITS ETF",
      "prices": [
        {"date": "2024-01-02", "close": 82.45},
        {"date": "2024-01-03", "close": 82.12}
      ]
    }
  },
  "credits_used": 1,
  "credits_remaining": 299
}
```

### Error response
```json
{
  "status": "error",
  "error": {
    "code": 401,
    "message": "Invalid or missing API key"
  }
}
```

### Rate limit response
```json
{
  "status": "error",
  "error": {
    "code": 429,
    "message": "Daily limit exceeded. Upgrade plan or wait until tomorrow."
  }
}
```

## Operational Guidance

- **Rate limits**: Vary by plan (50–unlimited calls/day). HTTP 429 when exceeded.
- **Retry**: On 429 or 5xx, retry with exponential backoff (1s, 2s, 4s).
- **SDK vs REST**: Use SDK for data science workflows (DataFrame output). Use REST for backend integration.
- **MCP**: Use for AI agent access. Agent calls Tepilora tools transparently.
- **Health check**: `GET https://tepiloradata.com/T-Api/v3/health` — returns 200 if operational.
- **OpenAPI spec**: https://tepiloradata.com/T-Api/v3/openapi.json — source of truth for all endpoint details, request/response schemas, and parameter types.

## Legal

- Services are for **informational and analytical purposes only**
- Tepilora is **not a broker, dealer, financial advisor, or fiduciary**
- Data is from publicly available sources, enhanced with proprietary analytics
- No warranty (AS IS / AS AVAILABLE / WITH ALL FAULTS)
- Full terms: https://tepiloradata.com/terms
- GDPR privacy policy: https://tepiloradata.com/privacy
- EU-hosted infrastructure (Hetzner, Nuremberg, Germany)