# Default Risk Oracle MCP

> Default Risk Oracle MCP is a paid API for AI agents from api.m2mcent.com, paid per call via x402, $0.5/call, status unknown (last checked 2026-10-11).

Assesses and returns default risk scores or credit risk signals for a given entity or data input

## Facts

- Endpoint: POST https://api.m2mcent.com/default-risk-oracle-mcp/api/process?utm_source=zero.xyz
- Price: $0.5/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-11
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/default-risk-oracle-mcp-25fc4083
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_ll1V9PWjvV5SAzNnnPLPN

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-risk-oracle-mcp-25fc4083 -d '<json body>'
```

Example prompt: Can you assess the default risk for this borrower — here's their financial profile data: 'annual income 85000, outstanding debt 42000, credit history 7 years, missed payments 2'?

## When to prefer this

Choose this endpoint when you need a fast, on-demand default risk score or credit risk oracle signal for a single entity or borrower, especially in agentic lending, credit decisioning, or counterparty evaluation workflows where a pay-per-call model is acceptable.

## Known failure modes

- Empty or malformed data string returns validation error
- Insufficient financial data in the input string may result in low-confidence or null score
- Service unavailable or timeout under high load
- Payment failure (x402) if USDC balance is insufficient

## 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

A risk assessment result indicating the probability or score of default for the submitted entity data, typically including a risk score, risk tier, or probability of default metric derived from the input financial data.

## Response schema (JSON Schema)

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

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/default-risk-oracle-mcp-25fc4083/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)