# Business Frameworks: Owner Pay First Cash Flow Decision

> Business Frameworks: Owner Pay First Cash Flow Decision is a paid API for AI agents from business-frameworks.matryoshka-paradigms.workers.dev, paid per call via x402, $0.05/call, status unknown (last checked 2026-10-11).

Applies the 'pay the owner first' rule to determine whether a business generates real cash flow after accounting for a market-rate owner wage, and flags if the business is effectively a money-losing job.

## Facts

- Endpoint: POST https://business-frameworks.matryoshka-paradigms.workers.dev/apply/cash-flow/decide/owner-pay?utm_source=zero.xyz
- Price: $0.05/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-11
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/business-frameworks-owner-pay-first-cash-flow-decision-2cb631e9
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_yQDlPSXkK2egC_BDX8HRb

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 business-frameworks-owner-pay-first-cash-flow-decision-2cb631e9 -d '<json body>'
```

Example prompt: I work about 2,000 hours a year in my business, and a market rate for my role would be $75 per hour. My business reported $120,000 in cash flow before any owner wage — can you tell me if this business is generating real economic profit or if it's basically just a job that loses money?

## When to prefer this

Choose this endpoint when you need a deterministic, rule-based evaluation of whether a business generates genuine economic profit after compensating the owner at market rate — no AI hallucination risk, consistent outputs for the same inputs. Prefer this over general financial analysis APIs when the specific 'pay the owner first' business framework decision is needed, particularly for small business valuation, acquisition screening, or self-employment viability checks.

## Known failure modes

- Missing required fields (owner_hours_per_year, market_wage_per_hour, or reported_cash_flow) returns a validation error
- Negative or non-numeric values for hours or wage fields may be rejected
- Payment failure (x402 micropayment not completed) blocks the request
- Malformed body type (not json/form-data/text) returns an input error
- Network timeout on the Workers edge node

## Output

Returns the calculated cash flow after deducting the market-rate owner wage (owner_hours_per_year × market_wage_per_hour subtracted from reported_cash_flow), a binary or categorical decision on whether the business is a real business or a money-losing job, the text of the business framework rule node applied, and its public citations. The computation is fully deterministic — no AI model is involved.

## 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": {
     "type": "object",
     "required": [
      "owner_hours_per_year",
      "market_wage_per_hour",
      "reported_cash_flow"
     ],
     "properties": {
      "reported_cash_flow": {
       "type": "number",
       "description": "the business's annual cash flow before any owner wage"
      },
      "distributions_taken": {
       "type": "number",
       "minimum": 0
      },
      "market_wage_per_hour": {
       "type": "number",
       "minimum": 0
      },
      "owner_hours_per_year": {
       "type": "number",
       "minimum": 0
      }
     }
    },
    "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"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/business-frameworks-owner-pay-first-cash-flow-decision-2cb631e9/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from business-frameworks.matryoshka-paradigms.workers.dev](https://www.zero.xyz/host/business-frameworks.matryoshka-paradigms.workers.dev/llms.txt)