# code402 Rental Verdict

> code402 Rental Verdict is a paid API for AI agents from hcrb.in, paid per call via x402, $0.05/call, status unknown (last checked 2026-10-12).

Runs offline deterministic due-diligence checks on rental applications and business identifiers, returning a clear/caution/high-risk verdict with a numeric risk score.

## Facts

- Endpoint: POST https://hcrb.in/v1/tools/rental-verdict/call?utm_source=zero.xyz
- Price: $0.05/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-12
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/code402-rental-verdict-6f5b8106
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_U9fX20SU-uM1WQa5zxjsJ

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 code402-rental-verdict-6f5b8106 -d '<json body>'
```

Example prompt: Can you run a rental verdict check on this applicant — their details are: name John Delaney, monthly income $4,200, asking rent $1,800, IBAN GB29NWBK60161331926819 — and tell me if they come back clear, caution, or high-risk?

## When to prefer this

Choose this endpoint when you need a fast, deterministic, offline risk verdict on a rental applicant or need to validate business/financial identifiers (IBAN, LEI, VAT, ABA, ISBN, SEDOL, EIN, IFSC, SWIFT/BIC) without relying on ML models, external credit bureaus, or web scraping. Ideal when reproducibility, privacy, and signed audit receipts matter. At $0.05/call with the first 3 free daily, it suits both occasional landlord checks and high-volume automated rental pipelines.

## Known failure modes

- Invalid or malformed identifier format returns a validation error with scope indicating format-only check
- Unsupported identifier type returns an error indicating the field is out of scope
- Missing required fields in the POST body returns a 400-level error
- Payment not included or insufficient — x402 payment header missing or underfunded causes a 402 Payment Required response
- After 3 free calls per day, unpaid calls are rejected with a 402 until payment is attached

## How this service works

Offline deterministic checks (no ML, no scraping) for business identifiers and rental due-diligence, paid per call via x402 (gasless EIP-3009 USDC on Base). Checksum-verifiable (IBAN, LEI, VAT, ABA, ISBN, SEDOL…) vs format-only (EIN, IFSC, SWIFT/BIC…) — every response returns a scope field. Non-custodial, signed receipts. First 3 calls/day free.

## Output

A JSON object containing: verdict (clear, caution, or high-risk), a numeric risk_score, a band label (e.g. low/medium/high), a scope field indicating what was checksum-verifiable vs format-only, an array of flags raised, a human-readable summary, and a components breakdown of what was evaluated.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "deposit_iban"
   ],
   "properties": {
    "deposit_iban": {
     "type": "string",
     "description": "Deposit IBAN."
    },
    "landlord_lei": {
     "type": "string",
     "description": "Landlord LEI (optional)."
    },
    "property_country": {
     "type": "string",
     "description": "Property country, ISO alpha-2."
    },
    "urgency_pressure": {
     "type": "boolean",
     "description": "Pressure to secure the property today."
    },
    "landlord_company_no": {
     "type": "string",
     "description": "Landlord UK company number (optional)."
    },
    "no_in_person_viewing": {
     "type": "boolean",
     "description": "No in-person or video viewing before payment."
    },
    "payment_irreversible": {
     "type": "boolean",
     "description": "Payment demanded via crypto/gift-card/wire-only."
    },
    "deposit_before_viewing": {
     "type": "boolean",
     "description": "True if a deposit is demanded before any viewing."
    },
    "price_below_market_pct": {
     "type": "number",
     "description": "How far below local market the rent is asked, in percent."
    },
    "contact_moves_offplatform": {
     "type": "boolean",
     "description": "Contact pushed off the listing platform."
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "schema": {
  "type": "object",
  "required": [
   "verdict",
   "risk_score"
  ],
  "properties": {
   "band": {
    "type": "string"
   },
   "tool": {
    "type": "string"
   },
   "flags": {
    "type": "array"
   },
   "scope": {
    "type": "string"
   },
   "summary": {
    "type": "string"
   },
   "verdict": {
    "enum": [
     "clear",
     "caution",
     "high-risk"
    ],
    "type": "string"
   },
   "components": {
    "type": "object"
   },
   "risk_score": {
    "type": "number"
   }
  }
 },
 "example": {
  "band": "low",
  "verdict": "clear",
  "risk_score": 0
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/code402-rental-verdict-6f5b8106/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from hcrb.in](https://www.zero.xyz/host/hcrb.in/llms.txt)