Finance-enhanced model for financial research, multi-step investment workflows, and long-horizon planning and execution
Ling 3.0 Flash Fin by inclusionai is offered by 5 providers on this page. Public prices are shown for 4 of them. Its reference price is $0.075 per 1M input tokens and $0.22 per 1M output tokens. The lowest paid channel is OpenRouter at $0.042 / $0.123 per 1M, about 1.8× below the reference price. That channel is a third-party gateway, so confirm its availability and rate limits before depending on it. It also has 1 free ($0) channel; free tiers usually carry rate limits, and subscription-covered access bills $0 per token only after the subscription fee.
Artificial Analysis rates it 22.6 on the Intelligence Index, with 55.6 for coding and 27.9 for agentic tasks. Against its lowest blended price of $0.062 per 1M, that is roughly 363 index points per dollar, which is the value ratio the leaderboards rank on. Median output speed is 322 tokens per second, with 1.74s to the first token.
The context window is 262,144 tokens at the reference host, but hosts report different limits, from 256,000 to 262,144, so the usable window depends on the provider you pick. It supports reasoning and tool use. The weights are open, so it can also be self-hosted or served through a gateway of your choice. Providers report the capability flags inconsistently, so verify a specific feature against the host you plan to use.
Quality is independently evaluated by Artificial Analysis. Speed/latency are model-level medians.
| Provider | Tier | Input | Output | Cache read | Cache write | Context | Output limit | Status |
|---|---|---|---|---|---|---|---|---|
| OpenCode Zen ling-3.0-flash-fin-free | Gateway | Free | $0 | — | 262,144 | 32,768 | ||
| OpenRouter | Gateway | $0.042 | $0.12 | $0.0084 | — | 262,144 | 32,768 | |
| Novita AI | Gateway | $0.075 | $0.22 | $0.015 | — | 262,144 | 32,768 | |
| Vercel AI Gateway | Cloud | $0.075 | $0.22 | $0.015 | — | 256,000 ⚠ | 32,000 | |
| Kilo Gateway | Gateway | $0.075 | $0.22 | $0.015 | — | 262,144 | 32,768 |
Sorted by blended price (input×0.75 + output×0.25) asc. The official channel always shows regardless of rank. Whether a gateway's low price is actually usable can't be verified.
Interleaved thinking (reasoning between tool calls) is declared by 1 of 5 providers.
1 more channels offer $0 (OpenCode Zen); free tiers usually have rate limits and no SLA, excluded from ranking.
| Name | Conditions | Score | Metric | Source |
|---|---|---|---|---|
| FinFIRST | harness: ReAct with web search, visit, and Python · variant: highest reasoning effort | 52.85 | score | Source ↗ |
| FinSearchComp Verified | harness: ReAct with web search, visit, and Python · variant: highest reasoning effort · dataset: expert-validated internal set | 77.04 | score | Source ↗ |
| FinCRAFT | variant: highest reasoning effort · dataset: internal | 51.74 | score | Source ↗ |
| Finance Agent | variant: highest reasoning effort; 10 runs · v1.1 | 69.19 | strict-pass | Source ↗ |
| Finance Agent | variant: highest reasoning effort; 20 runs · v2 | 59.81 | strict-pass | Source ↗ |
| APEX-Agents | variant: highest reasoning effort | 29.17 | score | Source ↗ |
| SpreadsheetBench | harness: Claude Code 2.1.173 · variant: highest reasoning effort; temperature=0.6; 120 turns; 3h timeout · v1 | 86.5 | score | Source ↗ |
| SpreadsheetBench | harness: Claude Code 2.1.173 · variant: highest reasoning effort; temperature=0.6; 300 turns; 3h timeout · v2 | 21.81 | score | Source ↗ |
| tau3-bench | variant: highest reasoning effort; banking | 41 | score | Source ↗ |
The same benchmark scores very differently across harness / dataset, so the qualifying conditions must be shown together.