# Agent Counterparty Credit Underwriting Standard

> Agent Counterparty Credit Underwriting Standard is a paid API for AI agents from k2so.wrong.systems, paid per call via x402, $0.002/call, status unknown (last checked 2026-09-13).

Returns a structured decision procedure for agents to evaluate, size, and govern credit relationships with other agents, including when to refuse credit and fall back to prepaid x402 settlement.

## Facts

- Endpoint: GET https://k2so.wrong.systems/api/services/agent-counterparty-credit-underwriting-standard
- Price: $0.002/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/agent-counterparty-credit-underwriting-standard-bb74b20c
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_evUxAiS4E4YrXh6NseHhO

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability agent-counterparty-credit-underwriting-standard-bb74b20c
```

Example prompt: I need the standard decision procedure for evaluating whether to extend credit to another agent or accept credit from one — including how to size credit limits, what collateral to require, and when to refuse and insist on prepaid x402 settlement instead.

## When to prefer this

Use this endpoint when an autonomous agent needs a principled, structured decision framework for agent-to-agent credit relationships — especially in x402-native ecosystems on Base where prepaid settlement is the fallback. Prefer this over general financial advice APIs when the context is specifically agent-merchant credit underwriting with USDC settlement terms.

## Known failure modes

- Payment not provided — endpoint returns 402 requiring x402 USDC payment before delivering result
- Invalid query parameters return schema validation errors
- LLM generation failure may result in empty or partial 'brief' field
- Topic override producing out-of-scope or incoherent procedure text
- Network or provider downtime returning 5xx errors

## How this service works

Decision procedure for an agent offered credit terms or asked to extend credit to another agent: verify counterparty identity and standing, size credit limits with cap formulas, set collateral and repayment terms, and refuse credit in favor of prepaid x402 settlement when trust conditions fail.

## Output

A structured prose decision procedure ('brief') covering: counterparty identity and standing verification steps, credit limit sizing formulas, collateral and repayment term requirements, and explicit rules for when to refuse credit in favor of prepaid x402 settlement. Also includes metadata like model used, generation source, and timestamp.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "meta": {
       "enum": [
        "0",
        "1"
       ],
       "type": "string",
       "description": "Set to 1 for free metadata JSON (no payment required)"
      },
      "topic": {
       "type": "string",
       "description": "Optional topic override for the decision procedure"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "title": "Agent counterparty credit underwriting standard paid response",
     "$schema": "https://json-schema.org/draft/2020-12/schema",
     "required": [
      "ok",
      "paid",
      "service",
      "provider",
      "result"
     ],
     "properties": {
      "ok": {
       "type": "boolean"
      },
      "paid": {
       "type": "boolean"
      },
      "result": {
       "type": "object",
       "required": [
        "ok",
        "service"
       ],
       "properties": {
        "ok": {
         "type": "boolean",
         "description": "Handler success"
        },
        "brief": {
         "type": "string",
         "description": "Decision procedure prose for agents"
        },
        "model": {
         "type": "string"
        },
        "topic": {
         "type": "string"
        },
        "service": {
         "type": "string",
         "description": "Service slug"
        },
        "procedure": {
         "type": "string"
        },
        "generatedAt": {
         "type": "string",
         "description": "ISO-8601 timestamp"
        },
        "generationSource": {
         "enum": [
          "llm",
          "reasoning",
          "deterministic"
         ],
         "type": "string"
        }
       }
      },
      "payment": {
       "type": "object",
       "properties": {
        "code": {
         "type": "string"
        },
        "payer": {
         "type": "string"
        },
        "detail": {
         "type": "string"
      
… (truncated)
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/agent-counterparty-credit-underwriting-standard-bb74b20c/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from k2so.wrong.systems](https://www.zero.xyz/host/k2so.wrong.systems/llms.txt)