# AgentUtility BIN Lookup API

> AgentUtility BIN Lookup API is a paid API for AI agents from x402.agentutility.ai, paid per call via x402, $0.02/call, status unknown (last checked 2026-09-14).

Looks up a bank identification number (BIN) to return card type, scheme, and issuing country

## Facts

- Endpoint: POST https://x402.agentutility.ai/bin-lookup-api
- Price: $0.02/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/agentutility-bin-lookup-api-2753bb3e
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_NwNstzeIlA3__WbxCib7N

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 agentutility-bin-lookup-api-2753bb3e -d '<json body>'
```

Example prompt: Can you look up the BIN 411111 and tell me whether it's a debit or credit card, what scheme it's on (like Visa or Mastercard), and what country it was issued in?

## When to prefer this

Use this endpoint when you need to identify card type, scheme, or issuing country from a BIN or card prefix as part of a payment workflow, fraud detection, or card routing logic. Prefer this over manual lookup tables when you need real-time, accurate BIN data without maintaining your own database.

## Known failure modes

- Invalid or unrecognized BIN returns an error or empty result
- BIN not found in database — unknown issuer or newly issued range
- Malformed input (non-numeric or too short) causes validation error
- Payment failure via x402 if USDC balance insufficient
- Rate limiting or authentication issues with x402 protocol

## How this service works

Paid x402 endpoints organized into product clusters. USDC-settled on Base. MCP-callable. ERC-8004 identity registry agentId 47167.

## Output

Returns a JSON object with card type (e.g. 'debit' or 'credit'), card scheme (e.g. 'visa', 'mastercard'), and issuing country as an ISO alpha-2 country code (e.g. 'US').

## Request schema (JSON Schema)

```json
{
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "type": "object",
 "properties": {
  "input": {
   "type": "object",
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "type": "string",
     "enum": [
      "POST"
     ]
    },
    "bodyType": {
     "type": "string",
     "enum": [
      "json",
      "form-data",
      "text"
     ]
    },
    "body": {
     "properties": {
      "bin": {
       "type": "string",
       "description": "First 6-8 digits of a card number (BIN/IIN only). Never pass a full card number."
      }
     },
     "required": [
      "bin"
     ]
    }
   },
   "required": [
    "type",
    "method",
    "bodyType",
    "body"
   ],
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "properties": {
      "scheme": {
       "type": "string"
      },
      "type": {
       "type": "string"
      },
      "country": {
       "type": "object",
       "properties": {
        "alpha2": {
         "type": "string"
        }
       }
      }
     }
    }
   },
   "required": [
    "type"
   ]
  }
 },
 "required": [
  "input"
 ]
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "type": "debit",
  "scheme": "visa",
  "country": {
   "alpha2": "US"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/agentutility-bin-lookup-api-2753bb3e/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402.agentutility.ai](https://www.zero.xyz/host/x402.agentutility.ai/llms.txt)