# AR Analyzer – Accounts Receivable Aging & DSO

> AR Analyzer – Accounts Receivable Aging & DSO is a paid API for AI agents from ar-analyzer.rileycraig14.workers.dev, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-13).

Performs deterministic accounts-receivable analysis including aging bucket breakdowns, seriously-overdue totals, Days Sales Outstanding with benchmark bands, and a ranked collections triage call list with recovery-decay curve.

## Facts

- Endpoint: POST https://ar-analyzer.rileycraig14.workers.dev/ar/aging?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/ar-analyzer-accounts-receivable-aging-dso-1e332246
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_VMFtrnWqS9efDNCkIETRZ

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 ar-analyzer-accounts-receivable-aging-dso-1e332246 -d '<json body>'
```

Example prompt: Run an AR aging analysis on these 8 invoices as of today — I need the 0-30, 31-60, 61-90, and 90+ day buckets, the total seriously overdue (anything strictly over 60 days), DSO with trend, and a ranked call list of who to chase first.

## When to prefer this

Choose this endpoint when you need deterministic, rule-based AR analysis with explicit arithmetic and stated rules rather than an AI-generated narrative summary. Ideal for back-office automation agents that need reproducible, auditable outputs — every rule (e.g. 'strictly > 60 days') is stated in the response. Prefer over generic finance APIs when you need the specific combination of aging buckets, DSO benchmarking, and a ranked collections call list in a single call.

## Known failure modes

- Missing required 'invoices' array — returns 400 error
- Malformed invoice objects (missing due_date or amount fields) — may produce incorrect bucket classifications
- Invalid 'as_of' date format — may default to server date or return error
- Empty invoices array — returns zeroed-out buckets with no meaningful triage output
- Payment failure (x402) — call blocked if USDC payment not attached

## How this service works

Deterministic accounts-receivable analysis for AI agents running back-offices: aging buckets (0-30/31-60/61-90/90+), seriously-overdue totals under the strictly-greater-than-60-days rule, Days Sales Outstanding with benchmark bands and trend, and collections triage with a ranked call list and an explicit recovery-decay curve. Exact arithmetic, every rule stated in the response, nothing stochastic.

## Output

Returns a structured JSON object with: aging bucket totals and percentages (0-30, 31-60, 61-90, 90+ days), total AR value, count and total of seriously-overdue invoices (strictly >60 days), weighted average days outstanding, DSO calculation, and a ranked list of top exposure invoices with days outstanding and amounts.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "invoices"
 ],
 "properties": {
  "as_of": {
   "type": "string"
  },
  "invoices": {
   "type": "array"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "buckets": {
  "90+": {
   "pct": 19.9,
   "count": 2,
   "total": 3550
  },
  "0-30": {
   "pct": 26.2,
   "count": 2,
   "total": 4675.25
  },
  "31-60": {
   "pct": 17,
   "count": 2,
   "total": 3040.5
  },
  "61-90": {
   "pct": 36.9,
   "count": 2,
   "total": 6580
  }
 },
 "total_ar": 17845.75,
 "top_exposures": [
  {
   "id": "INV-504",
   "days": 71,
   "amount": 5600
  }
 ],
 "invoices_analyzed": 8,
 "seriously_overdue": {
  "rule": "days_outstanding strictly > 60",
  "count": 4,
  "total": 10130
 },
 "weighted_avg_days": 55.6
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/ar-analyzer-accounts-receivable-aging-dso-1e332246/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from ar-analyzer.rileycraig14.workers.dev](https://www.zero.xyz/host/ar-analyzer.rileycraig14.workers.dev/llms.txt)