# Coin Railz AI Credit Risk Score

> 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

## Facts

- Endpoint: POST https://coinrailz.com/x402/credit-risk-score
- Price: $1.25/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/coin-railz-ai-credit-risk-score-de70e03e
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_DRtS-B-o7KCvLkUFLU8Sd

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 coin-railz-ai-credit-risk-score-de70e03e -d '<json body>'
```

Example prompt: Can you run a credit risk score on this borrower — they have a credit utilization of 72%, 3 missed payments in the last year, annual income of $85,000, and $42,000 in outstanding debt? I want to know how risky they are before we proceed.

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "query": {
   "type": "string",
   "description": "Query parameter for the service"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "application/json",
 "format": "json",
 "example": {
  "result": "Service executed successfully",
  "service": "credit-risk-score",
  "success": true,
  "timestamp": "2026-02-07T01:47:54.384Z"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/coin-railz-ai-credit-risk-score-de70e03e/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from coinrailz.com](https://www.zero.xyz/host/coinrailz.com/llms.txt)