# DebtPulse Debt Snapshot

> 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

## Facts

- Endpoint: GET https://debtpulse.vercel.app/api/debt/snapshot
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/debtpulse-debt-snapshot-4df6b5f8
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_pGlkpS-s-Uo0iCEUivM99

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 debtpulse-debt-snapshot-4df6b5f8
```

Example prompt: Can you give me a full debt snapshot — I have $12,000 in credit card debt at 24% APR, a $350/month car loan with $8,000 remaining, and a $45,000 student loan at 6.5%, with a monthly take-home income of $3,800? I want to know how bad my debt burden is, any danger flags, and what I should tackle first.

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## 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"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "action": {
       "type": "string",
       "description": "analyze | relief-options | free-resources"
      },
      "income": {
       "type": "string"
      },
      "total_debt": {
       "type": "string"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "errors": {
     "type": "object",
     "description": "Documented error responses, keyed by HTTP status code",
     "additionalProperties": {
      "type": "object",
      "required": [
       "description"
      ],
      "properties": {
       "example": {
        "type": "object"
       },
       "description": {
        "type": "string"
       }
      }
     }
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "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)"
  ]
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/debtpulse-debt-snapshot-4df6b5f8/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from debtpulse.vercel.app](https://www.zero.xyz/host/debtpulse.vercel.app/llms.txt)