Tariffs. Rate cuts. Inflation. Employment reports. Plenty of noise. Plenty of signal—if you know where to look.

FRED has 800,000+ economic time series. SEC EDGAR holds millions of company filings. Alpha Vantage streams real-time market prices. Each source alone is powerful. Together? Incompatible formats, different time scales, and no shared vocabulary.

Most investors give up. They chase yield. They follow momentum. They guess.

We built FinZerve with Zerve.ai to stop guessing.

What FinZerve Does

FinZerve combines FRED macro data, SEC fundamental filings, and market prices into one analysis engine. It screens for dividend safety and macro resilience—then serves insights via REST API.

One question answered: “Which dividend stocks will survive the next economic regime?”

Output Includes:

  • Dividend Safety Score (Free Cash Flow Payout Ratio)
  • Macro Regime Label (Rate Cut / Inflation / Neutral)
  • Economic Sensitivity (Beta to unemployment, inflation, rates)
  • Clear Recommendation (Buy / Hold / Sell)

How We Built It (With Zerve)

We didn’t want to spend weeks wiring APIs and debugging time series. We used Zerve’s AI agent to do the heavy lifting.

Step 1: Ingest Data

The AI agent downloaded FRED series (unemployment, CPI, Fed funds rate), pulled stock prices, and parsed SEC filings for cash flow data.

Step 2: Analyze

Zerve calculated correlations, built dividend safety scores, and identified macro-resilient stocks.

Step 3: Deploy

One click deployed the analysis as a live REST API. No DevOps. No servers.

Use Case: Long-Term Investor

Before FinZerve: An investor checks a “high yield” screen, buys the biggest dividends, and has no way to know if those dividends are actually safe.

With FinZerve: Any app can call the FinZerve API and the API displays:

“Current Regime: Rate Cut Environment. Top Pick: XLU. Dividend Safety: JNJ – Safe, PG – Watch. Recommendation: Favor Utilities until inflation stabilizes.”

One answer. Three data sources. Milliseconds.

What We Found

Finding #1: High Yield ≠ Safe Dividend

Several high-yield stocks showed Free Cash Flow Payout Ratios above 80%—meaning they may borrow to pay dividends. Invisible without SEC data.

Finding #2: Macro Regime Determines Winners

Utilities outperform during rate cuts but lag during inflation spikes. A stock’s resilience depends entirely on the economic regime.

Finding #3: The Intersection Matters Most

No single data source told the full story. The signal lives at the intersection of macro, fundamental, and price data.

Outcomes

  • 3 data sources combined into one analysis
  • Dividend safety now visible (not just yield)
  • Macro regime detected automatically
  • Live REST API deployed in hours, not weeks

What’s Next

  • Django frontend for public use
  • Real-time FRED updates
  • Expanded SEC parsing (debt ratios, profit margins)
  • User-defined ticker inputs

Conclusion

Long-term investing shouldn’t require a PhD in economics or a team of data engineers.

The data is public. Zerve makes it usable. FinZerve proves that anyone—with the right question and the right platform—can turn economic noise into investable signal.

Macro to micro. Automated.

Built with Zerve for the Zerve Hackathon. Data: FRED, Yahoo Finance, SEC EDGAR.