# agentutility — paid x402 endpoints for autonomous agents

> agentutility — paid x402 endpoints for autonomous agents 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).

## Facts

- Endpoint: POST https://x402.agentutility.ai/asset-based-lending-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/asset-based-lending-score-65153757
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_6xnX6j9qRS9SQeDclwZoQ

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 asset-based-lending-score-65153757 -d '<json body>'
```

## How this service works

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

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method",
    "bodyType",
    "body"
   ],
   "properties": {
    "body": {
     "required": [
      "eligible_collateral_value",
      "loan_amount",
      "advance_rate_pct",
      "collateral_quality_score"
     ],
     "properties": {
      "loan_amount": {
       "type": "number",
       "description": "Loan / facility amount (USD)."
      },
      "dilution_pct": {
       "type": "number",
       "description": "Receivables dilution percent. Optional, default 3."
      },
      "advance_rate_pct": {
       "type": "number",
       "description": "Advance rate against eligible collateral percent."
      },
      "collateral_quality_score": {
       "type": "number",
       "description": "Collateral liquidity/quality, 0-100."
      },
      "eligible_collateral_value": {
       "type": "number",
       "description": "Eligible collateral value (USD)."
      },
      "monitoring_frequency_per_year": {
       "type": "number",
       "description": "Collateral exams per year. Optional, default 4."
      }
     }
    },
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "POST"
     ],
     "type": "string"
    },
    "bodyType": {
     "enum": [
      "json",
      "form-data",
      "text"
     ],
     "type": "string"
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "properties": {
      "grade": {
       "type": "string"
      },
      "score": {
       "type": "number"
      },
      "source": {
       "type": "string"
      },
      "drivers": {
       "type": "array",
       "items": {
        "type": "object",
        "properties": {
         "name": {
          "type": "string"
         },
         "note": {
          "type": "string"
         },
         "score": {
          "type": "integer"
         },
         "weight": {
          "type": "number"
         }
        }
       }
      },
      "metrics": {
       "type": "object",
       "properties": {
        "advance_rate_pct": {
         "type": "integer"
        },
        "collateral_coverage": {
         "type": "number"
        },
        "collateral_quality_score": {
   
… (truncated)
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "grade": "strong",
  "score": 74.2,
  "source": "deterministic in-process finance calculator; no upstream API",
  "drivers": [
   {
    "name": "collateral_coverage",
    "note": "1.43x eligible collateral coverage",
    "score": 79,
    "weight": 0.3
   }
  ],
  "metrics": {
   "advance_rate_pct": 80,
   "collateral_coverage": 1.43,
   "collateral_quality_score": 78
  },
  "warnings": [],
  "calculator": "asset-based-lending-score",
  "recommendation": "Proceed with standard diligence and covenant checks."
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/asset-based-lending-score-65153757/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)