plans:
  - name: Commission-Free Brokerage Account
    description: >-
      Firstrade's standard brokerage offering has no account minimums, no
      inactivity fees, and $0 commissions on stocks, ETFs, options, and
      mutual funds. All self-directed customers receive the same pricing tier
      with access to the full trading platform, extended-hours trading, and
      market research tools including Morningstar, OptionsPlay, Briefing.com,
      and Zacks. There is no separate paid tier for API or data access —
      programmatic access is achieved exclusively through third-party aggregators
      such as Plaid.
    url: https://www.firstrade.com/trading/pricing
    features:
      - $0 commission on stocks and ETFs
      - $0 commission and $0 contract fees on options
      - Commission-free mutual fund trading (11,000+ funds)
      - No account minimum
      - No inactivity fee
      - Extended-hours trading (8am–8pm ET Mon–Fri; overnight 8pm–4am ET Sun–Fri)
      - Real-time market data and quotes
      - OptionsWizard professional-grade options analytics tool
      - Morningstar, OptionsPlay, Briefing.com, and Zacks research
      - SIPC insurance up to $500,000 plus additional coverage to $37.5 million
      - Fractional share trading
      - Automatic dividend reinvestment (DRIP) at no cost
      - Margin lending (for eligible accounts)
      - Securities lending income program
      - Cash management services
  - name: Plaid Developer Access (Data Aggregation)
    description: >-
      Developers who need programmatic access to Firstrade account data can
      integrate via Plaid's financial data platform. Plaid connects to
      Firstrade and offers Assets, Balance, Transactions, and Investments
      product categories. Plaid's own pricing tiers (Launch, Scale, Enterprise)
      apply; Firstrade itself does not charge developers for this data path.
    url: https://plaid.com/institutions/firstrade/
    features:
      - Account balance retrieval (current and available)
      - Transaction history up to 24 months
      - Investment holdings (brokerage, retirement, crypto)
      - Asset reports in JSON and PDF formats
      - Account owner identity data
      - Consent-based authentication via Plaid Link
      - US-only geographic coverage