# agent402.tools Investment Decision Workflow

> agent402.tools Investment Decision Workflow is a paid API for AI agents from agent402.tools, paid per call via x402, $0.05/call, status unknown (last checked 2026-09-16).

Runs a capital allocation decision through a full CFO-grade financial workflow, computing NPV, IRR, and payback period against a user-specified hurdle rate to determine project viability.

## Facts

- Endpoint: POST https://agent402.tools/api/skill/investment-decision
- Price: $0.05/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-16
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/agent402-tools-investment-decision-workflow-aef0f865
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_D0U7Sy5PUE5fWr3Ceny4Y

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 agent402-tools-investment-decision-workflow-aef0f865 -d '<json body>'
```

Example prompt: We're evaluating a $500,000 equipment purchase that should return $150,000 per year for 5 years — run the full CFO investment decision workflow on this at a 10% hurdle rate and tell me whether we should do it.

## When to prefer this

Use this endpoint when you need a structured, multi-metric capital allocation analysis (NPV + IRR + payback) in a single call, rather than computing each metric separately. Ideal for equipment purchases, build-vs-buy decisions, acquisitions, or expansion projects where a CFO-style go/no-go recommendation is needed quickly.

## Known failure modes

- Missing project description returns a 400 error
- Invalid or non-numeric hurdle rate causes a validation failure
- Insufficient payment (less than $0.05 USDC) results in a 402 Payment Required response
- Ambiguous or underspecified cash flow descriptions may produce low-confidence or incomplete outputs

## How this service works

Bundled execution of the Investment decision workflow - Should we do this project? Run a capital allocation decision (equipment, expansion, acquisition, build-vs-buy) through the textbook CFO workflow: NPV at your hurdle rate, IRR vs. cost of capi...

## Output

Returns a structured CFO-style capital allocation analysis including NPV at the specified hurdle rate, IRR compared to cost of capital, payback period, and a go/no-go recommendation for the project.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "project": {
   "type": "string",
   "description": "What's being evaluated (e.g. \"$500,000 equipment purchase returning $150,000/year for 5 years\")"
  },
  "hurdleRate": {
   "type": "string",
   "description": "Your cost of capital / required return as a decimal (default 0.10 = 10%). Higher for riskier projects."
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "args": {
   "project": "$500,000 equipment purchase returning $150,000/year for 5 years",
   "hurdleRate": "0.10"
  },
  "pack": "investment-decision",
  "steps": [
   {
    "ok": true,
    "slug": "npv",
    "result": {}
   },
   {
    "ok": true,
    "slug": "irr",
    "result": {}
   },
   {
    "ok": true,
    "slug": "compound-interest",
    "result": {}
   },
   {
    "ok": true,
    "slug": "loan-payment",
    "result": {}
   },
   {
    "ok": true,
    "slug": "amortization",
    "result": {}
   }
  ],
  "summary": "5/5 steps succeeded"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/agent402-tools-investment-decision-workflow-aef0f865/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from agent402.tools](https://www.zero.xyz/host/agent402.tools/llms.txt)