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AgentUtility Embedded Finance Score
x402
AgentUtility Embedded Finance Score is a paid API for AI agents from x402.agentutility.ai, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-14).
Scores a business or transaction on embedded finance health using a deterministic in-process calculator, returning a grade, numeric score, key drivers, and a recommendation.
Price / call$0.01
Success—
StatusUnknown
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 a letter-style grade (e.g. 'strong'), a numeric score (e.g. 74.2), an array of weighted driver breakdowns (each with name, note, score, and weight), a metrics object with chargeback_rate_pct and conversion_lift_pct, a warnings array, and a natural-language recommendation string.
Example use cases
Example prompt
“Score my business for embedded finance readiness — our debt service coverage ratio is 1.42x, chargeback rate is 0.6%, and we've seen a 14% conversion lift. Give me a grade, a numeric score, and tell me whether I should proceed.”
Technical details
Endpoint
POSThttps://x402.agentutility.ai/embedded-finance-scoreWhen to prefer
Use this endpoint when you need a fast, deterministic embedded finance health score with no dependency on third-party APIs — ideal for pre-diligence checks, automated underwriting pipelines, or agent-driven financial assessments where latency and reproducibility matter. Prefer this over manual analysis or slower ML-based scoring when inputs are structured financial metrics like DSCR, chargeback rate, and conversion lift.
Side effects
- Missing or malformed required financial inputs return a 400 with validation details
- Payment not settled in USDC on Base returns 402 before processing
- Inputs outside expected numeric ranges may produce unreliable scores with warnings populated
- Network or infrastructure errors return 5xx with no score output
Output
Schema · Response
{
"type": "json",
"example": {
"grade": "strong",
"score": 74.2,
"source": "deterministic in-process finance calculator; no upstream API",
"drivers": [
{
"name": "debt_service_coverage",
"note": "1.42x DSCR",
"score": 83.6,
"weight": 0.3
}
],
"metrics": {
"chargeback_rate_pct": 0.6,
"conversion_lift_pct": 14
},
"warnings": [],
"calculator": "embedded-finance-score",
"recommendation": "Proceed with standard diligence and covenant checks."
}
}Tags
x402
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