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Coin Railz AI Credit Risk Score
x402
Coin Railz AI Credit Risk Score is a paid API for AI agents from coinrailz.com, paid per call via x402, $1.25/call, status unknown (last checked 2026-09-15).
Scores the credit risk of an entity using AI-driven analysis of financial data, returning a risk assessment via x402 micropayment
Price / call$1.25
Success—
StatusUnknown
How this service works
AI credit risk scoring using financial data
Output
Returns a JSON object with a success flag, a result message indicating the credit risk score outcome, the service name ('credit-risk-score'), and a timestamp. The actual scored risk value or category is embedded in the result field.
Example use cases
Loan applicant creditworthiness check
“I have a small business loan applicant — they've been operating for 2 years, have $180,000 in annual revenue, $65,000 in outstanding liabilities, and a 58% debt-to-income ratio. Can you run an AI credit risk score on them so I can decide whether to move forward with underwriting?”
Automated underwriting risk assessment
“Before we approve this mortgage application, can you score the credit risk of this borrower? They earn $120,000 a year, carry $95,000 in total debt, have missed 1 payment in the past 18 months, and their credit utilization sits at 45%. I need a risk verdict before we proceed.”
Portfolio borrower risk monitoring
“I want to do a quick credit risk check on one of our existing borrowers — their financials have changed recently, with income dropping to $60,000, outstanding debt climbing to $78,000, and two late payments flagged in the last quarter. Can you run them through the AI credit scoring model and tell me if they've become higher risk?”
Technical details
Endpoint
POSThttps://coinrailz.com/x402/credit-risk-scoreWhen to prefer
Choose this endpoint when you need a quick, per-call AI-generated credit risk score paid via x402 USDC micropayment, without a traditional API subscription. Ideal for agents that need on-demand credit risk assessments for lending, underwriting, or financial decision workflows where financial data can be passed programmatically.
Side effects
- Payment failure (x402 micropayment of $1.25 USDC not completed) — endpoint returns 402 Payment Required
- Malformed or missing financial input data — likely returns an error or incomplete result
- Upstream AI model unavailable — may return a non-success response
- Invalid request body format — generic 400-level error
- Rate limiting or quota exceeded — service may reject the request
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| query | string | Query parameter for the service |
Output
Schema · Response
{
"type": "application/json",
"format": "json",
"example": {
"result": "Service executed successfully",
"service": "credit-risk-score",
"success": true,
"timestamp": "2026-02-07T01:47:54.384Z"
}
}Tags
x402
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