AI digest of SEC 10-K, 10-Q and 8-K filings API

AI-generated digest of one SEC EDGAR filing section: 10-K/10-Q risk factors (Item 1A) or MD&A, or 8-K item summaries with press-release exhibits. By accession, or ticker/CIK plus form (latest filing). Key points each carry a verbatim quote checked against the filing text and an EDGAR URL; optional new and removed risk factors versus the prior same-form filing. Generated by Anthropic Claude under a fixed Kit Rx prompt; not investment advice.

$0.02 per call USDC over x402 v2 on Base, Polygon, Arbitrum, Avalanche or Sei. No signup, no API key. Requests that fail or match nothing are not charged.

Endpoint

GET https://api.kit-rx.com/v1/sec/digest

Parameters

Name	Type	Required	Description
`accession`	string	no	EDGAR accession number of a 10-K, 10-Q or 8-K (e.g. 0000320193-26-000026). Alternative to ticker/cik + form. e.g. `0000320193-26-000026`
`ticker`	string	no	Stock ticker (e.g. AAPL). With form, the latest filing of that form is digested. e.g. `AAPL`
`cik`	string	no	SEC Central Index Key, 1 to 10 digits, instead of ticker. e.g. `320193`
`form`	string: 10-K, 10-Q, 8-K	no	10-K, 10-Q or 8-K: required with ticker or cik (latest filing of that form). e.g. `10-K`
`section`	string: item_1a, item_7, 8k_items	no	item_1a (Risk Factors), item_7 (MD&A; Part I Item 2 on a 10-Q) or 8k_items. Default: item_1a for 10-K, item_7 for 10-Q, 8k_items for 8-K. e.g. `item_1a`
`compare_prior`	string: true, false	no	10-K/10-Q only: also read the prior filing of the same form and list new and removed risk factors (default false). e.g. `false`

Example request

https://api.kit-rx.com/v1/sec/digest?ticker=AAPL&form=10-K

Without payment the server answers 402 Payment Required with the price (20000 atomic USDC) in the PAYMENT-REQUIRED header. Any x402 v2 client pays and retries automatically. A request with no parameters runs this example.

curl -i "https://api.kit-rx.com/v1/sec/digest?ticker=AAPL&form=10-K"

Pay from an agent

AgentCash: fetch the URL. OpenDexter MCP: x402_fetch. Kit Rx MCP server: https://api.kit-rx.com/mcp. Code:

import { x402Client } from "@x402/core/client";
import { registerExactEvmScheme } from "@x402/evm/exact/client";
import { wrapFetchWithPayment } from "@x402/fetch";
import { privateKeyToAccount } from "viem/accounts";

const client = new x402Client();
registerExactEvmScheme(client, { signer: privateKeyToAccount(process.env.BUYER_KEY) });
const pay = wrapFetchWithPayment(fetch, client);
const res = await pay("https://api.kit-rx.com/v1/sec/digest?ticker=AAPL&form=10-K");
console.log(await res.json());

Example response

{
  "query": {
    "ticker": "AAPL",
    "form": "10-K",
    "section": "item_1a",
    "compare_prior": false
  },
  "result": {
    "company": {
      "name": "Apple Inc.",
      "cik": "0000320193"
    },
    "filing": {
      "form": "10-K",
      "accession_number": "0000320193-26-000026",
      "filing_date": "2026-11-03",
      "report_date": "2026-09-26",
      "primary_document_url": "https://www.sec.gov/Archives/edgar/data/320193/000032019326000026/aapl-20260926.htm",
      "filing_index_url": "https://www.sec.gov/Archives/edgar/data/320193/000032019326000026/0000320193-26-000026-index.htm"
    },
    "section": {
      "id": "item_1a",
      "title": "Item 1A. Risk Factors",
      "url": "https://www.sec.gov/Archives/edgar/data/320193/000032019326000026/aapl-20260926.htm",
      "chars": 86062,
      "truncated": false
    },
    "overview": "The filing's Item 1A describes risks spanning macroeconomic and geopolitical conditions, supply chain and component availability, intense competition and rapid technological change, and artificial intelligence-related risks including cybersecurity and legal exposure. It also covers extensive legal, regulatory and antitrust matters, personal data compliance, and financial risks such as currency, margins and taxes.",
    "key_points": [
      {
        "point": "Sales outside the U.S. represent a majority of total net sales, and a majority of supplier facilities are located outside the U.S.",
        "quote": "sales outside the U.S. representing a majority of the Company's total net sales. In addition, the Company's global supply chain is large and complex and a majority of the Company's supplier facilities",
        "url": "https://www.sec.gov/Archives/edgar/data/320193/000032019326000026/aapl-20260926.htm#:~:text=sales%20outside%20the%20U.S.%20representing%20a%20majority%20of"
      },
      {
        "point": "New tariffs and retaliatory measures create uncertainty, and the ultimate impact on the Company remains unclear.",
        "quote": "The ultimate impact remains uncertain and will depend on several factors, including whether additional or incremental U.S. tariffs or other measures are announced or imposed",
        "url": "https://www.sec.gov/Archives/edgar/data/320193/000032019326000026/aapl-20260926.htm#:~:text=The%20ultimate%20impact%20remains%20uncertain%20and%20will%20depend"
      },
      {
        "point": "The Company faces intense competition with aggressive price cuts, and some competitors may sell at little or no profit.",
        "quote": "Certain competitors have the resources, experience or cost structures to provide products and services at little or no profit or even at a loss.",
        "url": "https://www.sec.gov/Archives/edgar/data/320193/000032019326000026/aapl-20260926.htm#:~:text=Certain%20competitors%20have%20the%20resources%2C%20experience%20or%20cost"
      },
      {
        "point": "Cybersecurity attacks are increasing, and artificial intelligence is intensifying these risks.",
        "quote": "As increasingly sophisticated and capable artificial intelligence models continue to become available, these risks are intensifying.",
        "url": "https://www.sec.gov/Archives/edgar/data/320193/000032019326000026/aapl-20260926.htm#:~:text=As%20increasingly%20sophisticated%20and%20capable%20artificial%20intelligence%20models"
      },
      {
        "point": "Artificial intelligence agents may act unpredictably or without authorization, and their consequences may be difficult to reverse.",
        "quote": "Some consequences, such as deleting data or completing transactions, may be difficult or impossible to reverse.",
        "url": "https://www.sec.gov/Archives/edgar/data/320193/000032019326000026/aapl-20260926.htm#:~:text=Some%20consequences%2C%20such%20as%20deleting%20data%20or%20completing"
      },
      {
        "point": "The Company faces numerous lawsuits and government investigations, including antitrust matters, and adverse outcomes could be material.",
        "quote": "The number of claims, legal proceedings and government investigations involving the Company, and their alleged magnitude, has generally increased over time and may continue to increase.",
        "url": "https://www.sec.gov/Archives/edgar/data/320193/000032019326000026/aapl-20260926.htm#:~:text=The%20number%20of%20claims%2C%20legal%20proceedings%20and%20government"
      },
      {
        "point": "The DMA imposes obligations and significant fines for noncompliance, and EU compliance changes may not fully resolve challenges.",
        "quote": "The DMA provides for significant fines and penalties for noncompliance.",
        "url": "https://www.sec.gov/Archives/edgar/data/320193/000032019326000026/aapl-20260926.htm#:~:text=The%20DMA%20provides%20for%20significant%20fines%20and%20penalties"
      },
      {
        "point": "Revenue from licensing arrangements with Google could be materially affected by ongoing remedies litigation.",
        "quote": "A reversal of the order on appeal could result in the imposition of certain remedies initially proposed by the DOJ, such as those prohibiting Google from offering the Company commercial terms for search distribution.",
        "url": "https://www.sec.gov/Archives/edgar/data/320193/000032019326000026/aapl-20260926.htm#:~:text=A%20reversal%20of%20the%20order%20on%20appeal%20could"
      },
      {
        "point": "The Company generates a significant portion of net sales from a single product category, so a demand decline could significantly affect results.",
        "quote": "the Company generates a significant portion of its net sales from a single product category and certain of the Company's services, including third-party licensing arrangements, contribute significantly",
        "url": "https://www.sec.gov/Archives/edgar/data/320193/000032019326000026/aapl-20260926.htm#:~:text=the%20Company%20generates%20a%20significant%20portion%20of%20its"
      },
      {
        "point": "A substantial majority of trade receivables are not covered by collateral, credit insurance or similar protection.",
        "quote": "A substantial majority of the Company's outstanding trade receivables are not covered by collateral, third-party bank support or financing arrangements, or credit insurance",
        "url": "https://www.sec.gov/Archives/edgar/data/320193/000032019326000026/aapl-20260926.htm#:~:text=A%20substantial%20majority%20of%20the"
      },
      {
        "point": "The Company's stock price has been volatile, and future dividends are subject to Board declaration.",
        "quote": "future dividends are subject to declaration by the Company's Board of Directors (\"Board\"), and the Company's share repurchase programs do not obligate it to acquire a minimum amount of shares.",
        "url": "https://www.sec.gov/Archives/edgar/data/320193/000032019326000026/aapl-20260926.htm#:~:text=future%20dividends%20are%20subject%20to%20declaration%20by%20the"
      }
    ],
    "quotes_verified": true,
    "unverified_dropped": 1,
    "model_family": "Claude",
    "ai_generated": true
  },
  "sources": [
    {
      "name": "SEC EDGAR primary document (10-K)",
      "url": "https://www.sec.gov/Archives/edgar/data/320193/000032019326000026/aapl-20260926.htm"
    },
    {
      "name": "SEC company tickers (bundled snapshot 2026-11-14)",
      "url": "https://www.sec.gov/files/company_tickers.json"
    },
    {
      "name": "SEC EDGAR submissions API",
      "url": "https://data.sec.gov/submissions/CIK0000320193.json"
    },
    {
      "name": "Anthropic Claude (AI-generated text)",
      "url": "https://www.anthropic.com/claude"
    }
  ],
  "notes": [
    "AI-generated digest by Anthropic Claude under a fixed Kit Rx prompt; not investment advice and not a substitute for reading the filing. Every quote was found in code in the filing text sent to the model (whitespace, typographic quotes and dashes normalized); points whose quote could not be found were dropped.",
    "Section boundaries were located from the Item headings in the primary document; headings, page numbers and running headers are left out of the text.",
    "1 AI point was dropped because the quote was not found in the filing text (or, for new and removed risks, also appeared in the other filing)."
  ],
  "attribution": [
    "Data from SEC EDGAR (https://www.sec.gov), public information of the U.S. Securities and Exchange Commission. Kit Rx is not affiliated with or approved by the SEC."
  ],
  "generated_at": "2026-11-15T05:52:46.155Z"
}

Kit Rx: Pay-per-call data and safety tools for AI agents, paid in USDC over x402. No signup, no API key. Machine-readable: OpenAPI, llms.txt, /.well-known/x402, agent skills.