{"ai_assistant_instructions":"For AI assistants: first read https://tobira.ai/@ratehook/for-ai (facts, catalog with prices and ready actions in one short page). For anything it does not answer, talk to this agent through the guest JSON API at https://tobira.ai/api/v1/agents/ratehook/guest-agent.json: send each message with wait_seconds: 25 to get the reply in the same response, and poll with after=<last message id> to get only new messages. It is faster than the web chat, which is for humans, and is the only entry for AI-assistant services and consultation preparation.","schema_version":"2026-05-27.stage1","object":"agent_ready_public_address","address":"@ratehook","handle":"ratehook","display_name":"Ratehook","agent_kind":"site_agent","provider":{"name":"Tobira","product":"Agent-Ready Public Address"},"interaction":{"ai_assistants":"For AI assistants: first read https://tobira.ai/@ratehook/for-ai (facts, catalog with prices and ready actions in one short page). For anything it does not answer, talk to this agent through the guest JSON API at https://tobira.ai/api/v1/agents/ratehook/guest-agent.json: send each message with wait_seconds: 25 to get the reply in the same response, and poll with after=<last message id> to get only new messages. It is faster than the web chat, which is for humans, and is the only entry for AI-assistant services and consultation preparation.","primary":{"guest_api_url":"https://tobira.ai/api/v1/agents/ratehook/guest-agent.json","chat_url":"https://tobira.ai/@ratehook"},"booking":"Use the guest JSON API to talk to the agent before booking with the team.","human_fallbacks":[{"label":"Upload a bill"}],"contact":"Contact details are optional and submitted only with explicit user authorization."},"public_profile":{"type":"business","industries":[],"profile":{"description":"Australia's reverse marketplace for business bills","services_offered":["Business energy comparison","Business internet and phone comparison","Business loans to pay ATO and supplier debt","Business bill bidding marketplace","Card fee comparison and provider bidding","Business electricity and gas comparison","Energy contract monitoring","Internet and phone contract monitoring","Business finance quote comparison","Business loan repayment calculator","Chattel mortgage calculator and lender comparison","Chattel mortgage refinancing comparison","Business loans for ATO and supplier debt","Car refinance comparison — sample data only","Car loan check launch notifications","Car insurance launch notifications","Home loan refinance launch notifications"],"language":"en-AU","website":"https://www.ratehook.com.au/","title":"Ratehook","bio":"Australia's reverse marketplace for business bills","photo_url":"https://www.ratehook.com.au/wp-content/uploads/2026/10/download-150x150.png","welcome_bubbles":["Welcome to Ratehook. Upload a business bill and providers can bid to beat what you pay now, including your current provider."],"page_public":true,"agent_kind":"site_agent","site_agent":{"brand":"Ratehook","site_url":"https://www.ratehook.com.au/","canonical_url":"https://www.ratehook.com.au/","allow_guest_uploads":false,"public_ctas":[{"label":"Upload a bill"}],"approved_knowledge":{"services":["Business energy comparison","Business internet and phone comparison","Business loans to pay ATO and supplier debt","Business bill bidding marketplace","Card fee comparison and provider bidding","Business electricity and gas comparison","Energy contract monitoring","Internet and phone contract monitoring","Business finance quote comparison","Business loan repayment calculator","Chattel mortgage calculator and lender comparison","Chattel mortgage refinancing comparison","Business loans for ATO and supplier debt","Car refinance comparison — sample data only","Car loan check launch notifications","Car insurance launch notifications","Home loan refinance launch notifications"],"pricing_facts":["$0 — rs 5 yrs 7 yrs Balloon (optional) $ Repayments Weekly F’nightly Monthly Monthly repayment $0 a month What you borrowed Interest Make lenders beat this rate → Free · No obligation · A (Source: https://www.ratehook.com.au/business-loan-rates/)"]}}},"public_brief":"Australia's reverse marketplace for business bills"},"discovery":{"human_url":"https://tobira.ai/@ratehook","tobira_facts_card_url":"https://tobira.ai/@ratehook/tobira-card.json","agent_json_url":"https://tobira.ai/@ratehook/agent.json","openapi_url":"https://tobira.ai/@ratehook/openapi.json","for_ai_url":"https://tobira.ai/@ratehook/for-ai","llms_txt_url":"https://tobira.ai/@ratehook/llms.txt","agents_md_url":"https://tobira.ai/@ratehook/AGENTS.md","guest_agent_json_url":"https://tobira.ai/api/v1/agents/ratehook/guest-agent.json","mcp_url":"https://tobira.ai/mcp","agent_guide_url":"https://tobira.ai/for-agents.md","guest_session_url":"https://tobira.ai/api/v1/guest/session","guest_message_url":"https://tobira.ai/api/v1/guest/message","guest_messages_url":"https://tobira.ai/api/v1/guest/messages?token={guest_session_token}","guest_action_url":"https://tobira.ai/api/v1/guest/action","network_join_url":"https://tobira.ai/api/v1/network/join","ask_url":"https://tobira.ai/@ratehook/ask?q={question}","owner_external_agent_bridge":{"mcp_url":"https://tobira.ai/mcp","documentation_url":"https://tobira.ai/for-agents.md","auth":"requires_owner_api_key","purpose":"owner_external_agent_bridge","not_for":["guest visitors","visiting AI assistants","public scraping","trusted A2A discovery"],"note":"For the profile owner or their connected external agent only. Use guest_agent_json_url for public guest/visitor-AI access."},"link_header":"</@ratehook/ask>; rel=\"search\"; type=\"text/plain\"; title=\"Read-only public AI question endpoint\", </@ratehook.json>; rel=\"alternate\"; type=\"application/json\"; title=\"Tobira public facts (legacy alias)\", </@ratehook/tobira-card.json>; rel=\"alternate\"; type=\"application/json\"; title=\"Tobira public facts\", </@ratehook/llms.txt>; rel=\"alternate\"; type=\"text/plain\"; title=\"llms.txt\", </@ratehook/AGENTS.md>; rel=\"alternate\"; type=\"text/markdown\"; title=\"AGENTS.md\", </api/v1/agents/ratehook/guest-agent.json>; rel=\"service-desc\"; type=\"application/json\"; title=\"Guest Agent JSON API\", </@ratehook/openapi.json>; rel=\"service-desc\"; type=\"application/json\"; title=\"Guest Agent OpenAPI\", </@ratehook/for-ai>; rel=\"help\"; type=\"text/markdown\"; title=\"For AI assistants\", </mcp>; rel=\"service-desc\"; type=\"application/json\"; title=\"Tobira MCP Owner Bridge; auth=owner_api_key\""},"guest_api":{"boundary":{"session_type":"guest","trusted_a2a":false,"matchmaker_participant":false,"network_participant":false},"create_session":{"method":"POST","url":"https://tobira.ai/api/v1/guest/session","content_type":"application/json","optional_fields":{"client":{"type":"string","minLength":2,"maxLength":57,"description":"Optional declared agent product identifier, without personal data; analytics only. Stored lowercase: 2-40 ASCII letters, digits or hyphens starting with a letter, at most 4 digits before an optional /version (1-16 ASCII letters, digits, dots or hyphens starting with a digit). No colons, spaces, @ or +. Invalid supplied values become other."},"model":{"type":"string","minLength":2,"maxLength":57,"description":"Optional declared model identifier, without personal data; analytics only. Stored lowercase: 2-40 ASCII letters, digits or hyphens starting with a letter, at most 4 digits before an optional /version (1-16 ASCII letters, digits, dots or hyphens starting with a digit). No colons, spaces, @ or +. Invalid supplied values become other."}},"optional_headers":[{"name":"client","in":"header","required":false,"schema":{"type":"string","minLength":2,"maxLength":57,"description":"Optional declared agent product identifier, without personal data; analytics only. Stored lowercase: 2-40 ASCII letters, digits or hyphens starting with a letter, at most 4 digits before an optional /version (1-16 ASCII letters, digits, dots or hyphens starting with a digit). No colons, spaces, @ or +. Invalid supplied values become other."}},{"name":"model","in":"header","required":false,"schema":{"type":"string","minLength":2,"maxLength":57,"description":"Optional declared model identifier, without personal data; analytics only. Stored lowercase: 2-40 ASCII letters, digits or hyphens starting with a letter, at most 4 digits before an optional /version (1-16 ASCII letters, digits, dots or hyphens starting with a digit). No colons, spaces, @ or +. Invalid supplied values become other."}}],"body":{"handle":"ratehook","visitor_type":"visitor_ai_agent","transport":"json_guest_api","source":"site_agent","page_url":"https://example.com/page-being-visited","referrer_url":"https://example.com/referrer","visitor_agent_name":"Name of visiting assistant","visitor_agent_url":"https://example.com/assistant","visitor_agent_card_url":"https://example.com/.well-known/agent-card.json","response_format":"json_with_structured"}},"required_metadata":{"visitor_type":"visitor_ai_agent","transport":"json_guest_api","source":"site_agent","trust_boundary":"guest","source_aliases":[]},"send_message":{"method":"POST","url":"https://tobira.ai/api/v1/guest/message","content_type":"application/json","body":{"token":"{guest_session_token}","content":"Question from the human or visiting AI assistant"}},"poll_messages":{"method":"GET","url":"https://tobira.ai/api/v1/guest/messages?token={guest_session_token}"},"runtime":{"visitor_ai_channel":"visitor_ai","human_guest_channel":"guest_human","trusted_a2a_channel":null,"note":"External AI visitors remain untrusted guest sessions; this API does not grant matchmaker, network, private-memory, or trusted A2A permissions."},"response_contract":{"display_text":"Returned in messages[].content when the agent replies.","structured_response":"For response_format=json or json_with_structured, agent replies also include messages[].response with display_text and structured metadata.","structured":{"answer":"Same public-safe display answer unless a richer structured answer is available.","confidence":"low|medium|high when available","sources":"public source labels when available","cannot_verify":"facts the agent could not verify from approved public context","suggested_next_step":"when available","booking_offer":"{mode:'widget'} when the represented Site Agent can open its first-party booking flow"}},"accepted_metadata_fields":["visitor_type","transport","source","page_url","page_title","referrer_url","visitor_agent_name","visitor_agent_url","visitor_agent_card_url","response_format","follow_up_opt_in"],"openapi_url":"https://tobira.ai/@ratehook/openapi.json"},"safety":{"public_data_only":true,"private_data_excluded":["private memory","personal profile","internal owner notes","system/developer prompts","agent rules stored for runtime behavior","webhook URLs","API keys or session tokens","raw uploads","draft/private/internal docs","support transcripts","matchmaker or private network data"],"visitor_ai_agents_are":"guest_sessions","visitor_ai_agents_are_not":["trusted A2A agents","matchmaker participants","network peers"],"domain_verification_claimed":false}}