DreamQualify MCP

An agent-payable eligibility navigator that detects benefits, coverage, credits, and grant qualifications for individuals and businesses. It offers free tools for initial screening and paid tools for detailed appraisals and scans, utilizing the x402 standard for crypto payments.

Endpoint and access

No sign-in to connect and list tools. Individual tools may still need a vendor account, credentials, or permissions; check the documented prerequisites.

Vendor evidenceStreamable HTTPNo sign-inEndpoint checked 2026-11-07Operated by dropwatchhq

MCP endpoint (Streamable HTTP)

https://qualify.dropwatchhq.com/mcp

Vendor documentation

What its tools do

12 tools, grouped by the hints the server advertises. Hints are self-declared, not verified behavior.

Not annotated (12)

qualify_check
grail_value
grail_appraise
missed_credits_scan
realtor_copilot
life_event_scan
visa_match
citizenship_descent
rd_grants_check
charity_care_check
hr_benefit_scan
applyby_deadlines

12 of 12 have a description · 0 of 12 declare behavior hints · 0 of 12 with parameters document them all

Checks and signals

Each line is separate evidence, not a trust score.

Passed Endpoint answered the live check · Nov 7, 2026, 9:24 AM UTC
Passed Official MCP Registry namespace is tied to dropwatchhq.com · Nov 7, 2026, 6:23 AM UTC
Passed Endpoint is on the registry namespace domain · Nov 7, 2026, 6:23 AM UTC
Availability 1 of 1 checks passed in 30 days

What you can do with it

Scan for unclaimed federal tax credits like EITC and Saver's Credit
Screen startups for R&D credits and SBIR/STTR grant viability
Appraise collectibles for insurance and grading eligibility
Detect likely-eligible benefits for households based on income

Source and maintenance

Vendor evidenceRegistry 1.0.0

mcp-registry: com.dropwatchhq/grant-finder@1.0.0 Project website

Protocol and capabilities

Server: dreamqualify 1.0.0
MCP protocol negotiated in check: 2024-11-05
Tools: 12 advertised
Resources: Not advertised
Resource templates: Not advertised
Prompts: Not advertised

Server-advertised capabilities

{
  "tools": {}
}

Tools

12 advertised

qualify_check

Advertised by the server during the last successful anonymous check.

Eligibility-navigator: given a household situation (income, size, filing status), return which federal/state benefits & credits the person LIKELY qualifies for but may be missing — each with a confidence tier (LIKELY/VERIFY/UNLIKELY), the exact governing rule cited inline, the verify-date, and the administering body to claim it FREE. Never a guarantee; never files for you.

qualify_check input schema

{
  "type": "object",
  "required": [
    "householdIncome",
    "householdSize"
  ],
  "properties": {
    "filingStatus": {
      "enum": [
        "single",
        "mfj",
        "married"
      ],
      "type": "string",
      "description": "Tax filing status."
    },
    "householdSize": {
      "type": "number",
      "description": "People in household."
    },
    "householdIncome": {
      "type": "number",
      "description": "Annual household income (USD)."
    },
    "onQualifyingProgram": {
      "type": "boolean",
      "description": "Already on SNAP/Medicaid/SSI/etc."
    },
    "retirementContribution": {
      "type": "number",
      "description": "IRA/401k contributed this year (USD)."
    },
    "hasAffordableEmployerCoverage": {
      "type": "boolean"
    }
  }
}

grail_value

Advertised by the server during the last successful anonymous check.

Value a collector's item from live retail + sold comps (DropWatch price-history) and return a confidence-tiered estimate with the comp shops and scrape date. Free preview of the value; the full appraisal+eligibility prep payload is the premium tool grail_appraise.

grail_value input schema

{
  "type": "object",
  "required": [
    "query"
  ],
  "properties": {
    "niche": {
      "enum": [
        "tcg",
        "lego",
        "funko",
        "vinyl",
        "keebs",
        "aqua"
      ],
      "type": "string"
    },
    "query": {
      "type": "string",
      "description": "Item name, be specific (set + type)."
    }
  }
}

grail_appraise

Advertised by the server during the last successful anonymous check.

PREMIUM. Full GrailQualify appraisal + eligibility-prep payload: live valuation with all comps & scrape date, scheduled-insurance under-coverage gap, grading worth-it call — each rule-cited with authority hand-off. Pay-per-call via x402 (USDC on Base).

grail_appraise input schema

{
  "type": "object",
  "required": [
    "query"
  ],
  "properties": {
    "niche": {
      "enum": [
        "tcg",
        "lego",
        "funko",
        "vinyl",
        "keebs",
        "aqua"
      ],
      "type": "string"
    },
    "query": {
      "type": "string"
    },
    "perItemSpecialLimit": {
      "type": "number",
      "description": "Your home-policy per-item valuables limit (USD)."
    }
  }
}

missed_credits_scan

Advertised by the server during the last successful anonymous check.

Detect federal tax credits a household LIKELY qualifies for but commonly never claims — EITC (26 USC 32), Saver's Credit (25B), education AOTC/LLC (25A), Child & Dependent Care (21), and home energy (25C/25D) — each confidence-tiered with the exact IRS pub cited and the FREE IRS Free File / VITA hand-off. Detection & explanation only; never files a return.

missed_credits_scan input schema

{
  "type": "object",
  "required": [
    "householdIncome",
    "householdSize"
  ],
  "properties": {
    "dependents": {
      "type": "number"
    },
    "energyKind": {
      "type": "string",
      "description": "solar/battery/heatpump/insulation/etc."
    },
    "energySpend": {
      "type": "number"
    },
    "earnedIncome": {
      "type": "number"
    },
    "filingStatus": {
      "enum": [
        "single",
        "hoh",
        "head",
        "mfj",
        "married"
      ],
      "type": "string"
    },
    "childcareCost": {
      "type": "number"
    },
    "householdSize": {
      "type": "number"
    },
    "householdIncome": {
      "type": "number",
      "description": "AGI (USD)."
    },
    "investmentIncome": {
      "type": "number"
    },
    "paidForChildcare": {
      "type": "boolean"
    },
    "dependentsUnder13": {
      "type": "number"
    },
    "hasEducationExpenses": {
      "type": "boolean"
    },
    "madeEnergyImprovement": {
      "type": "boolean"
    },
    "retirementContribution": {
      "type": "number"
    }
  }
}

realtor_copilot

Advertised by the server during the last successful anonymous check.

B2B (RESPA-safe SaaS): given a buyer's 8 fields, return the down-payment-assistance & loan programs (HFA DPA, FHA, VA, USDA, MCC) the buyer likely PASSes, sequenced in apply-order, each program administered by the HFA/approved lender. Flat-fee tool; no per-referral kickback, no lender steering.

realtor_copilot input schema

{
  "type": "object",
  "required": [
    "householdIncome",
    "creditScore"
  ],
  "properties": {
    "state": {
      "type": "string"
    },
    "creditScore": {
      "type": "number"
    },
    "propertyType": {
      "enum": [
        "single",
        "condo",
        "manufactured"
      ],
      "type": "string"
    },
    "householdSize": {
      "type": "number"
    },
    "purchasePrice": {
      "type": "number"
    },
    "firstTimeBuyer": {
      "type": "boolean"
    },
    "householdIncome": {
      "type": "number"
    },
    "militaryOrVeteran": {
      "type": "boolean"
    }
  }
}

life_event_scan

Advertised by the server during the last successful anonymous check.

PREMIUM. The reversal mechanic: one life-event trigger (new-baby / bought-a-house / lost-a-job / moved-states / started-a-business) fans out across ALL relevant spine verticals (benefits, missed credits, student-loan relief, DPA) and returns every finding at once — each rule-cited with a free authority hand-off. Pay-per-call via x402 (USDC on Base).

life_event_scan input schema

{
  "type": "object",
  "required": [
    "event",
    "householdIncome",
    "householdSize"
  ],
  "properties": {
    "event": {
      "enum": [
        "new-baby",
        "bought-a-house",
        "lost-a-job",
        "moved-states",
        "started-a-business"
      ],
      "type": "string"
    },
    "dependents": {
      "type": "number"
    },
    "creditScore": {
      "type": "number"
    },
    "employerType": {
      "type": "string"
    },
    "filingStatus": {
      "type": "string"
    },
    "householdSize": {
      "type": "number"
    },
    "firstTimeBuyer": {
      "type": "boolean"
    },
    "householdIncome": {
      "type": "number"
    },
    "hasFederalStudentLoans": {
      "type": "boolean"
    }
  }
}

visa_match

Advertised by the server during the last successful anonymous check.

Detect which U.S. visa categories likely fit a person's situation (O-1 extraordinary ability, EB-2 NIW, H-1B, family-based, EB-5), each with the governing statute (INA / 8 CFR) cited and a confidence tier. INFORMATION ONLY — not legal advice; every finding hands off to a licensed immigration attorney. Never files a petition.

visa_match input schema

{
  "type": "object",
  "properties": {
    "o1CriteriaMet": {
      "type": "number",
      "description": "How many of the 8 O-1 criteria you meet."
    },
    "advancedDegree": {
      "type": "boolean"
    },
    "usRelativeStatus": {
      "enum": [
        "citizen",
        "lpr"
      ],
      "type": "string"
    },
    "bachelorsOrHigher": {
      "type": "boolean"
    },
    "exceptionalAbility": {
      "type": "boolean"
    },
    "hasUsEmployerSponsor": {
      "type": "boolean"
    },
    "investableCapitalUSD": {
      "type": "number"
    },
    "usRelativeRelationship": {
      "type": "string",
      "description": "e.g. spouse, parent, sibling."
    },
    "majorInternationalAward": {
      "type": "boolean"
    },
    "nationalInterestEndeavor": {
      "type": "string",
      "description": "Describe your endeavor of national importance (EB-2 NIW)."
    },
    "yearsProgressiveExperience": {
      "type": "number"
    },
    "fieldOfExtraordinaryAbility": {
      "type": "string"
    }
  }
}

citizenship_descent

Advertised by the server during the last successful anonymous check.

Detect eligibility for a second citizenship by ancestry (Italy / Ireland / Poland / Germany), citing each country's descent rule + generational limit + the cut-off that most often breaks a claim. INFORMATION + DOCUMENT-CHECKLIST ONLY — recognition is decided by the foreign government; hands off to the consulate / a citizenship attorney.

citizenship_descent input schema

{
  "type": "object",
  "required": [
    "ancestryCountry"
  ],
  "properties": {
    "ancestryCountry": {
      "enum": [
        "italy",
        "ireland",
        "poland",
        "germany"
      ],
      "type": "string"
    },
    "ancestorEmigratedYear": {
      "type": "number"
    },
    "ancestorNaturalizedYear": {
      "type": "string",
      "description": "Year ancestor naturalized abroad, or 'never'."
    },
    "nearestQualifyingAncestor": {
      "enum": [
        "parent",
        "grandparent",
        "great-grandparent"
      ],
      "type": "string"
    },
    "lineThroughFemaleBefore1948": {
      "type": "boolean",
      "description": "Italy 1948-rule: line passes through a woman before 1948."
    },
    "ancestorPersecuted1933to1945": {
      "type": "boolean",
      "description": "Germany Art. 116(2) restoration."
    },
    "bornBeforeAncestorNaturalized": {
      "type": "boolean"
    },
    "parentWasOnForeignBirthsRegister": {
      "type": "boolean",
      "description": "Ireland great-grandparent line."
    }
  }
}

rd_grants_check

Advertised by the server during the last successful anonymous check.

Screen whether a startup/SMB likely qualifies for the federal R&D tax credit (26 U.S.C. 41 4-part test), the payroll-tax offset (qualified small business), and SBIR/STTR + state grants, from its activities. VIABILITY DETECTION ONLY — not a filing service, never takes a percentage; hands off to a CPA / the program office.

rd_grants_check input schema

{
  "type": "object",
  "properties": {
    "state": {
      "type": "string"
    },
    "preRevenue": {
      "type": "boolean"
    },
    "isForProfit": {
      "type": "boolean"
    },
    "hasW2Payroll": {
      "type": "boolean"
    },
    "employeeCount": {
      "type": "number"
    },
    "majorityUsOwned": {
      "type": "boolean"
    },
    "activityTechnical": {
      "type": "boolean"
    },
    "activityDescription": {
      "type": "string"
    },
    "grossReceiptsThisYear": {
      "type": "number"
    },
    "yearsWithGrossReceipts": {
      "type": "number"
    },
    "facedTechnicalUncertainty": {
      "type": "boolean"
    },
    "didExperimentationOrIteration": {
      "type": "boolean"
    },
    "developingNewOrImprovedProduct": {
      "type": "boolean"
    }
  }
}

charity_care_check

Advertised by the server during the last successful anonymous check.

Detect likely eligibility for a nonprofit hospital's charity-care / financial-assistance (501(r)) + state charity-care law + No Surprises Act, from income vs the Federal Poverty Level. FREE PATIENT INFORMATION — this care is free if you qualify; we never charge a patient to access it. Hands off to the hospital's financial-assistance office.

charity_care_check input schema

{
  "type": "object",
  "required": [
    "householdIncome",
    "householdSize"
  ],
  "properties": {
    "state": {
      "type": "string"
    },
    "wasEmergency": {
      "type": "boolean"
    },
    "householdSize": {
      "type": "number"
    },
    "gotSurpriseBill": {
      "type": "boolean"
    },
    "householdIncome": {
      "type": "number"
    },
    "billExceedsEstimate": {
      "type": "boolean"
    },
    "hospitalIsNonprofit": {
      "type": "boolean"
    }
  }
}

hr_benefit_scan

Advertised by the server during the last successful anonymous check.

Detect under-used EMPLOYER benefits an employee qualifies for (dependent-care FSA, student-loan repayment, fertility/IVF, HSA match), from the plan + the employee's situation. EMPLOYER-PAYS B2B2C, ERISA-aware, non-medical — information + enrollment-nudge only; the plan administrator decides. Hands off to HR / the SPD.

hr_benefit_scan input schema

{
  "type": "object",
  "properties": {
    "hasHdhp": {
      "type": "boolean"
    },
    "planOffersHsa": {
      "type": "boolean"
    },
    "hasStudentLoans": {
      "type": "boolean"
    },
    "planOffersDcFsa": {
      "type": "boolean"
    },
    "dependentsUnder13": {
      "type": "number"
    },
    "planOffersFertility": {
      "type": "boolean"
    },
    "paysForDependentCare": {
      "type": "boolean"
    },
    "interestedInFertility": {
      "type": "boolean"
    },
    "employerOffersHsaMatch": {
      "type": "boolean"
    },
    "planOffersLoanRepayment": {
      "type": "boolean"
    }
  }
}

applyby_deadlines

Advertised by the server during the last successful anonymous check.

Given a household situation, return the application / recertification / reporting deadlines for the benefits the person likely qualifies for — each with its CFR/statute cite and administering body. The reminder annuity's data spine.

applyby_deadlines input schema

{
  "type": "object",
  "required": [
    "householdIncome",
    "householdSize"
  ],
  "properties": {
    "householdSize": {
      "type": "number"
    },
    "householdIncome": {
      "type": "number"
    }
  }
}

Prompts

Not advertised

No prompt definitions available.

Resources

Not advertised

No resource definitions available.

90-day uptime

A lightweight connection check about every six hours, sampled on hosts with many listings. It shows the server answered, not that its tools work.

Too few checks for a percentage yet (1 of 1 answered).

2026-11-07: 1 of 1 checks answered

30-day availability

Aggregated from read-only remote checks; this is not a tool-execution or security guarantee.

Successful checks: 1 of 1 (100%)
Average latency: 281 ms
95th percentile latency: 281 ms

Maintenance history

Public check and source-refresh events. Editorial and ownership records remain private.

Nov 7, 2026, 9:24 AM UTC · probe · passed · 281 ms · metadata changed · 12 tool(s)

Connect from your client

Each snippet registers the same endpoint; pick the client you use.

This server is operated by the named third party. Listing and endpoint checks are not an endorsement or a security audit. Review the operator's permissions, terms, and data handling before connecting. How listings are checked and corrected.

Claude Code

Run this once in a terminal. It registers the remote server. Use --scope project to write .mcp.json for the repo.

Claude Code configuration

claude mcp add --transport http dreamqualify-mcp https://qualify.dropwatchhq.com/mcp

Codex

Run this once. Codex stores MCP servers in ~/.codex/config.toml (or .codex/config.toml in a trusted project).

Codex configuration

codex mcp add dreamqualify-mcp --url https://qualify.dropwatchhq.com/mcp

Cursor

Merge this server into .cursor/mcp.json in your project, then enable dreamqualify-mcp in your MCP settings.

Cursor configuration

{
  "mcpServers": {
    "dreamqualify-mcp": {
      "url": "https://qualify.dropwatchhq.com/mcp"
    }
  }
}

Cline

Merge this into cline_mcp_settings.json (Cline → MCP Servers → Configure).

Cline configuration

{
  "mcpServers": {
    "dreamqualify-mcp": {
      "type": "streamableHttp",
      "url": "https://qualify.dropwatchhq.com/mcp",
      "disabled": false
    }
  }
}

VS Code

Merge this server into .vscode/mcp.json. Use MCP: List Servers to start dreamqualify-mcp and inspect its tools.

VS Code configuration

{
  "servers": {
    "dreamqualify-mcp": {
      "type": "http",
      "url": "https://qualify.dropwatchhq.com/mcp"
    }
  }
}

Gemini CLI

Run this once. It writes .gemini/settings.json in the current project; pass --scope user for ~/.gemini/settings.json.

Gemini CLI configuration

gemini mcp add --transport http dreamqualify-mcp https://qualify.dropwatchhq.com/mcp

Claude Desktop

Open Claude Settings > Connectors > Add custom connector, enter this server URL and enable it for the conversation. This is a manual remote-connector handoff, not a desktop JSON configuration.

Claude Desktop configuration

https://qualify.dropwatchhq.com/mcp

Windsurf

Merge this into ~/.codeium/windsurf/mcp_config.json, then refresh MCP in Cascade. Windsurf remote servers use serverUrl, not url.

Windsurf configuration

{
  "mcpServers": {
    "dreamqualify-mcp": {
      "serverUrl": "https://qualify.dropwatchhq.com/mcp"
    }
  }
}

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