# BIS Debt Service Ratio Rankings

> BIS Debt Service Ratio Rankings is a paid API for AI agents from api.vextorium.com, paid per call via x402, $0.004/call, status unknown (last checked 2026-10-19).

Returns a ranked list of debt service ratios (interest + principal as % of income) for ~30 economies by sector, sourced from BIS data, as a financial-stability risk gauge.

## Facts

- Endpoint: POST https://api.vextorium.com/v1/debt-service-ratios?utm_source=zero.xyz
- Price: $0.004/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-19
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/bis-debt-service-ratio-rankings-da641705
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_Jq1H7-YGhpDcNwFEK1Qru

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 bis-debt-service-ratio-rankings-da641705 -d '<json body>'
```

Example prompt: Show me the latest BIS ranking of countries by household debt service ratio — I want to see which economies are spending the highest share of income on debt repayments.

## When to prefer this

Use this endpoint when you need a cross-country ranked comparison of debt service burdens from authoritative BIS data, specifically for households, non-financial companies, or the aggregate private sector. Prefer this over generic economic data APIs when you need the BIS WS_DSR dataset specifically, or when you need a ready-made ranking rather than raw time-series data.

## Known failure modes

- Invalid sector enum value returns validation error
- BIS data not yet updated for current quarter returns previous quarter values
- No data available for a specific country/sector combination may result in missing entries
- Network timeout if upstream BIS data source is unavailable

## How this service works

558 pay-per-call data APIs for AI agents: Solana and EVM on-chain data, tokenized stocks, DeFi, Hyperliquid, economy and official statistics, FX, validation, web and developer tools. Pay in USDC via x402.

## Output

A JSON object containing the sector queried, the BIS source identifier (WS_DSR), a ranked array of countries each with country name, ISO code, latest quarter, and debt service as a percentage of income, plus the total count of countries covered.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "sector": {
   "enum": [
    "households",
    "private",
    "companies"
   ],
   "type": "string"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "sector": "households",
  "source": "Bank for International Settlements (WS_DSR)",
  "ranking": [
   {
    "name": "Noruega",
    "country": "NO",
    "quarter": "2026-Q1",
    "debt_service_pct_income": 20.9
   },
   {
    "name": "Australia",
    "country": "AU",
    "quarter": "2026-Q1",
    "debt_service_pct_income": 15.7
   }
  ],
  "countries": 17
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/bis-debt-service-ratio-rankings-da641705/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.vextorium.com](https://www.zero.xyz/host/api.vextorium.com/llms.txt)