Identify subscription spend API

Identify subscription candidates from recurring cadence and subscription wording in supplied merchants or descriptions.

The Identify subscription spend operation is part of the Open Banking & Payment Intelligence API on BRAINIAC.software. Identify subscription candidates from recurring cadence and subscription wording in supplied merchants or descriptions. It is exposed as POST /api/v1/payment-intelligence/subscription-spend-identify and priced at $0.04 USDC on Base. Payment uses the x402 exact scheme: an unpaid call returns HTTP 402 with payment requirements; after paying the exact USDC amount, retry the same request with a payment-signature header and Idempotency-Key. No account and no API key are required. Data sources for this product: Caller-supplied transactions Optional merchant directory Optional category corrections Limitations: No bank account is connected and no Open Banking credentials are used. Income and affordability figures use only labeled supplied rows. Recurring detection uses date spacing and merchant/amount similarity in the request set. An affordability or credit decision is never produced. Missing merchants, categories, and amounts are not invented. Outputs are compliance prechecks, drafts, or data lookups for human review. They are not official determinations, legal advice, identity confirmation, or certified filings. Related operations in this group include Classify open-banking transactions, Detect recurring payments, Resolve merchant identity, Analyze income stability. Open the group documentation for the full request schema, field notes, and response examples before integrating.