diff --git a/backend/verifyMarketDataEndpoints.ts b/backend/verifyMarketDataEndpoints.ts
index 48b689c..9e0ac7b 100644
--- a/backend/verifyMarketDataEndpoints.ts
+++ b/backend/verifyMarketDataEndpoints.ts
@@ -64,7 +64,7 @@ function testChartBarsContract() {
         '/api/chart/bars must reject missing symbols',
     );
     assertSourceMatches(
-        /this\.app\.get\('\/api\/chart\/bars'[\s\S]*Alpaca credentials not configured/,
+        /this\.app\.get\('\/api\/chart\/bars'[\s\S]*getUserMarketDataAlpacaCredentials\(authUserId\)[\s\S]*if \(error instanceof MissingServiceConfigError\)[\s\S]*status\(503\)\.json\(\{ error: error\.message \}\)/,
         '/api/chart/bars must fail closed when Alpaca credentials are absent',
     );
 
@@ -156,26 +156,18 @@ function testFmpProxyContracts() {
         "import { fetchFmpJson, FmpFetchError } from './fmpCache.js';",
         'FMP routes must use the shared cache helper and typed upstream error',
     );
-    assertConfigIncludes(
-        "FMP_API_KEY: process.env.FMP_API_KEY || '',",
-        'FMP config must not silently default to the shared demo key',
-    );
     assertSourceIncludes(
-        "apiKey.toLowerCase() === 'demo'",
-        'FMP routes must reject the shared demo key explicitly',
-    );
-    assertSourceIncludes(
-        'FMP_API_KEY is required for research and screener endpoints',
-        'FMP routes must surface an explicit missing-key error',
+        'User FMP API key is required for research and screener endpoints',
+        'FMP routes must surface an explicit per-user missing-key error',
     );
 
     const fetchFmpCalls = apiServerSource.match(/fetchFmpJson\(url\)/g) ?? [];
     assert.equal(fetchFmpCalls.length, 4, 'each FMP route must fetch through fetchFmpJson(url)');
 
     for (const [route, endpoint, errorMessage] of [
-        ['/api/research/profile', '/api/v3/profile/${symbol}?apikey=${apiKey}', 'FMP profile fetch failed'],
-        ['/api/research/metrics', '/api/v3/key-metrics/${symbol}?limit=4&apikey=${apiKey}', 'FMP metrics fetch failed'],
-        ['/api/research/earnings', '/api/v3/historical/earning_calendar/${symbol}?limit=8&apikey=${apiKey}', 'FMP earnings fetch failed'],
+        ['/api/research/profile', 'https://financialmodelingprep.com/stable/profile?symbol=${encodeURIComponent(symbol)}&apikey=${apiKey}', 'FMP profile fetch failed'],
+        ['/api/research/metrics', 'https://financialmodelingprep.com/stable/key-metrics?symbol=${encodeURIComponent(symbol)}&limit=4&apikey=${apiKey}', 'FMP metrics fetch failed'],
+        ['/api/research/earnings', 'https://financialmodelingprep.com/stable/earnings-calendar?symbol=${encodeURIComponent(symbol)}&limit=8&apikey=${apiKey}', 'FMP earnings fetch failed'],
     ]) {
         assertSourceMatches(
             new RegExp(`this\\.app\\.get\\('${escapeRegExp(route)}'[\\s\\S]*if \\(!symbol\\)[\\s\\S]*status\\(400\\)\\.json\\(\\{ error: 'symbol required' \\}\\)`),
@@ -194,8 +186,8 @@ function testFmpProxyContracts() {
         '/api/research/earnings must normalize to an earnings array wrapper',
     );
     assertSourceIncludes(
-        'https://financialmodelingprep.com/api/v3/stock-screener?${qs.toString()}',
-        '/api/screener must call FMP stock-screener',
+        'https://financialmodelingprep.com/stable/company-screener?${qs.toString()}',
+        '/api/screener must call FMP stable company-screener',
     );
     assertSourceIncludes(
         'const ALLOWED_SCREENER_SECTORS = new Set([',