{
  "id": 142,
  "email": "analyst@hedgefund.com",
  "name": "Jane Analyst",
  "tier": "pro",
  "email_verified": true,
  "created_at": "2026-01-10T08:00:00Z",
  "limits": {
    "req_per_min": 60,
    "req_per_day": 10000,
    "api_keys": 5,
    "history_retention_years": 5,
    "filings_per_query": 100
  },
  "current_usage": {
    "today": 284,
    "this_month": 5821
  }
}