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DebtPulse Debt Snapshot
x402
DebtPulse Debt Snapshot is a paid API for AI agents from debtpulse.vercel.app, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-15).
Returns a comprehensive debt-burden assessment including danger flags and priority actions for a consumer's full debt profile
Price / call$0.1
Success—
StatusUnknown
How this service works
Global debt elimination intelligence. All endpoints require x402 payment (USDC on Base mainnet) via the PAYMENT-SIGNATURE header. Supports US, UK, Australia, and Canada jurisdictions. Add ?lang= for any language response.
Output
A structured debt-burden assessment covering overall debt load relative to income, danger flags (e.g. high utilization, unmanageable debt-to-income ratio, delinquency risk), and a ranked list of priority actions the consumer or agent should take immediately to reduce financial risk.
Example use cases
Emergency debt triage for overwhelmed client
“I'm drowning in debt and don't even know where to start. I've got credit cards, student loans, a mortgage, and a car payment — can you give me a complete picture of how serious my situation is and which debts I should focus on first?”
Financial health check before major decision
“Before I apply for a new job or make any big financial moves, I need to understand my overall debt health. Can you give me a snapshot of my debt burden, show me any red flags, and tell me if I'm in a risky position right now?”
Debt priority assessment for consolidation planning
“I'm thinking about consolidating some of my debts, but I want to see my full picture first. Can you assess my entire debt load, show me which debts are creating the most danger, and prioritize what I should tackle first before I explore consolidation options?”
Technical details
Endpoint
GEThttps://debtpulse.vercel.app/api/debt/snapshotWhen to prefer
Use this endpoint when you need a holistic, top-level view of a consumer's entire debt situation before deciding which specialized tool to invoke next. It is ideal as a first-pass triage step for debt-relief agents — call this before endpoints like settlement analysis, consolidation, or bankruptcy to understand urgency and prioritization. Prefer this over more specialized sibling endpoints when the user has not yet identified which debt problem to solve first.
Side effects
- Missing or incomplete debt account details returns a 400 bad request
- Income not provided may result in incomplete debt-to-income analysis
- Payment processing failure for the $0.10 USDC fee returns 402 Payment Required
- Invalid or malformed input fields return validation errors
- Service unavailability on Vercel hosting returns 503
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| inputrequired | object | |
| output | object |
Output
Schema · Response
{
"type": "json",
"example": {
"total_debt": 45000,
"recommended": "Non-profit credit counseling",
"free_resource": "NFCC.org",
"debt_to_income": 0.6,
"relief_options": [
"DIY payoff plan",
"Non-profit credit counseling (free)",
"Debt management plan",
"Bankruptcy (last resort)"
]
}
}Tags
x402
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