# Default Probability Model MCP

> Default Probability Model MCP is a paid API for AI agents from api.m2mcent.com, paid per call via x402, $0.28/call, status unknown (last checked 2026-10-29).

Computes the probability of default for a given entity or dataset using a credit risk model

## Facts

- Endpoint: POST https://api.m2mcent.com/default-probability-model-mcp/api/process?utm_source=zero.xyz
- Price: $0.28/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-29
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/default-probability-model-mcp-b9efc475
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_SA7R28sgb5v3kZ3LIznYW

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 default-probability-model-mcp-b9efc475 -d '<json body>'
```

Example prompt: Can you run a default probability model on this borrower's financial data and tell me the likelihood of default: '{"borrower_id": "B-4421", "annual_income": 75000, "debt_to_income": 0.42, "credit_score": 620, "loan_amount": 25000}'?

## When to prefer this

Choose this endpoint when you need a dedicated, quantitative default probability score for credit risk workflows, underwriting pipelines, or portfolio monitoring. Prefer it over generic scoring APIs when you need a model specifically calibrated to probability-of-default (PD) rather than a simple credit tier or pass/fail output.

## Known failure modes

- Malformed or missing 'data' field returns a 400 validation error
- Unparseable financial data string may yield null or error response
- Insufficient data fields in the input may produce low-confidence or fallback scores
- Payment failure (x402) blocks the request before processing
- Timeout if input data string is excessively large

## How this service works

The premier global index of 1,069 monetized MCP nodes across 205 specialized subdomains. Gasless USDC runtime settlements via x402 V2 Spec on Base L2. Save 95% token context.

## Output

Returns a computed probability-of-default score (likely a float between 0 and 1) and potentially associated risk tier or confidence metrics, indicating the likelihood that the input entity will default on their financial obligations.

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "success": true
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/default-probability-model-mcp-b9efc475/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.m2mcent.com](https://www.zero.xyz/host/api.m2mcent.com/llms.txt)