# Bankr LLM Gateway - Chat Completions

> Bankr LLM Gateway - Chat Completions is a free API for AI agents from llm.bankr.bot, Free, status unknown (last checked 2026-09-13).

Provides OpenAI-compatible chat completions through the Bankr LLM Gateway, enabling AI agents to generate conversational responses using LLMs via a pay-per-call x402 model.

## Facts

- Endpoint: POST https://llm.bankr.bot/v1/chat/completions
- Price: Free
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 2
- Tags: x402
- Canonical page: https://www.zero.xyz/c/bankr-4f042050
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_14C_jPX-ABq1sV-4k39sI

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 bankr-4f042050 -d '<json body>'
```

Example prompt: Ask the Bankr LLM Gateway to complete this conversation: system prompt is 'You are a helpful assistant', user message is 'Explain the difference between HTTP and WebSockets in two sentences'.

## When to prefer this

Choose this endpoint when you need OpenAI-compatible chat completions with pay-per-call x402 micropayment billing rather than a monthly subscription, especially in agentic workflows where each call should be individually priced. Ideal for agents that need drop-in OpenAI API compatibility while routing through the Bankr gateway infrastructure.

## Known failure modes

- Payment not attached or x402 payment fails — returns 402 Payment Required
- Invalid or unsupported model name — returns 400 or 404
- Malformed messages array — returns 400 Bad Request
- Rate limiting or gateway overload — returns 429 or 503
- Authentication/token error — returns 401 Unauthorized
- Context window exceeded — returns 400 with token limit error

## How this service works

OpenAI-compatible chat completions via the Bankr LLM Gateway.

## Output

Returns an OpenAI-compatible chat completion object containing the assistant's generated message, the model used, token usage counts (prompt, completion, total), and the finish reason (e.g. 'stop').

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/bankr-4f042050/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from llm.bankr.bot](https://www.zero.xyz/host/llm.bankr.bot/llms.txt)