Transfer partners

Transfer partner routes and ratios, point valuations, and running a transfer plan against a member's balances.

compare_transfer_options

What a balance of points is worth across transfer paths, with the arithmetic shown -- the points-quantity question, distinct from get_transfer_partners (which lists WHICH paths exist, not what YOUR points are worth). Call program only (from), target only (to), or both (one specific path, e.g. 60k UR → Hyatt).

Scope	Quota
`miles:read`	standard

Name	Type	Required	Description
`points`	`integer`	required	The points balance to value, as a whole number of points.
`program`	`string`		Source currency the points are in (e.g. `"Chase Ultimate Rewards"`). Pass alone to see every path from it, or with `target` for one path.
`target`	`string`		Destination program (e.g. `"World of Hyatt"`). Pass alone to see every path into it, or with `program` for one path.
`cardholder`	`string`		Whose points these are: a household member's name or id, or `"me"`. Omit for the account holder's own. An unknown name is refused.

get_transfer_partners

Transfer partner lookup. mode='from_program' lists where a currency (e.g. 'Chase Ultimate Rewards') transfers; 'to_program' lists which currencies reach a destination (e.g. 'World of Hyatt'); 'auto' infers.

Scope	Quota
`miles:read`	standard

Name	Type	Required	Description
`query`	`string`	required	A currency or loyalty program name (e.g. `"Chase Ultimate Rewards"` or `"World of Hyatt"`).
`mode`	`string`		`"from_program"` lists where the named currency transfers; `"to_program"` lists which currencies reach the named destination; `"auto"` (default) infers which from the query.

get_valuations

Point valuations (cents per point), using your custom values when set and defaults otherwise. Includes issuer rules for direct bank deposits.

Scope	Quota
`miles:read`	standard

Name	Type	Required	Description
`programs`	`string[]`		Loyalty program names to limit the result to (e.g. `["Chase Ultimate Rewards", "World of Hyatt"]`); omit for every program on file.

plan_transfer

"I need N points at program X -- which of my HELD currencies gets me there cheapest?" The advisor flagship: ranks the loyalty currencies you've told Miles you hold (get_balances) by cheapest path to target_program -- transfer graph x ratios x active bonuses x transfer minimums/increments x your own valuations -- including two-currency split suggestions and "you hold it but not enough" rows. Deterministic, receipt-style, built on the same functions compare_transfer_options uses, so the two tools cannot disagree about a shared leg.

Scope	Quota
`miles:read`	standard

Name	Type	Required	Description
`target_program`	`string`	required	The destination loyalty program (e.g. `"World of Hyatt"`). An unrecognized name returns an `unknown_program` error rather than a guess.
`points_needed`	`integer`	required	How many of the target program's points are needed, as a whole number; never dollars and never your own balance.
`cardholder`	`string`		Rank one household member's balances: their name or id, or `"me"`. Omit for every cardholder. An unknown name is refused.

portfolio_review

"Here are my balances -- where should I focus?" Ranks every loyalty currency the member has told Miles they hold against a redemption goal, and says which one to focus on, which to stop growing, and why.

Scope	Quota
`miles:read`	standard

Name	Type	Required	Description
`goal`	`string`		Redemption goal: `flights_premium`, `flights_economy`, `hotels` or `cash_like`. Omit for a `rankings` block across all four plus a `suggested_goal`; any other value, `flexible` included, returns a `validation_error` naming the four.
`cardholder`	`string`		A household member's name or id. Omit for every cardholder, reported separately. A name nobody in the household has returns an `unknown_cardholder` error listing the names that exist; one with no balances on file returns `rows: []`, NOT `empty_ledger`.

reset_valuation

Reset a custom valuation back to the reasonable redemption value. Requires wallet-change access.

Scope	Quota
`miles:write`	standard

Name	Type	Required	Description
`point_type`	`string`	required	The program or currency whose custom valuation to reset to the reasonable redemption value.

set_valuation

Set the user's custom point/mile valuations (cents per point). Pass valuations to set several at once. Requires wallet-change access.

Scope	Quota
`miles:write`	standard

Name	Type	Description
`point_type`	`string`	The program or currency to set one valuation for (e.g. `"Chase Ultimate Rewards"`); pair with `valuation`.
`valuation`	`number`	The value in cents per point (1.8 means 1.8 cents), not dollars and not a percentage; pair with `point_type`.
`valuations`	`object`	Several valuations at once, program name to cents per point (e.g. `{"Chase Ultimate Rewards": 1.8, "World of Hyatt": 2.1}`).

where_to_credit

Answers "which frequent flyer program should I credit this flight to?". Ranks every program that can take the flight by what the miles are worth TO THIS USER -- their own valuations, balances, and elite tier -- not by the raw mileage count. That distinction matters: on most economy fares nearly every program pays the SAME percentage, so the mileage number does not decide the answer and the value does.

Scope	Quota
`miles:read`	expensive

Name	Type	Required	Description
`segments`	`object[]`	required	One entry per flown leg (a return trip is two), each {operating_airline, origin, destination, fare_class}. operating_airline is the two-letter IATA code of the airline that OPERATES the flight, not the one on the ticket; fare_class is the single booking-class letter from the ticket, and it decides the answer -- ask for it rather than guessing one from the cabin.
`programs`	`string[]`		Limit the ranking to these programs. Omit to rank every program the source lists.
`member`	`string`		Household member who is flying, so their balances and elite tier are used instead of the account holder's.