# AgentUtility Embedded Finance Score

> 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.

## Facts

- Endpoint: POST https://x402.agentutility.ai/embedded-finance-score
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/agentutility-embedded-finance-score-d0ad6439
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_TNTZNtErmaPq7VYeT75sb

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-embedded-finance-score-d0ad6439 -d '<json body>'
```

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.

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Response schema (JSON Schema)

```json
{
 "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."
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/agentutility-embedded-finance-score-d0ad6439/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)