# agentutility — paid x402 endpoints for autonomous agents

> agentutility — paid x402 endpoints for autonomous agents is a paid API for AI agents from x402.agentutility.ai, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-15).

## Facts

- Endpoint: POST https://x402.agentutility.ai/emergency-fund-calculator
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/emergency-fund-calculator-41edc51e
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_M0ec8OwtW_VuCDu4jp8oy

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 emergency-fund-calculator-41edc51e -d '<json body>'
```

## How this service works

Paid x402 endpoints organized into product clusters. USDC-settled on Base. MCP-callable. ERC-8004 identity registry agentId 47167.

## 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",
    "bodyType",
    "body"
   ],
   "properties": {
    "body": {
     "required": [
      "monthly_essential_expenses",
      "current_savings"
     ],
     "properties": {
      "target_months": {
       "type": "number",
       "description": "Months of expenses to target. Default 6 (range 1-36)."
      },
      "monthly_income": {
       "type": "number",
       "description": "Optional take-home monthly income; used to estimate savings pace."
      },
      "current_savings": {
       "type": "number",
       "description": "Liquid savings already set aside for emergencies."
      },
      "job_stability_score": {
       "type": "number",
       "description": "Optional 0-100 estimate of income/job stability."
      },
      "monthly_essential_expenses": {
       "type": "number",
       "description": "Essential monthly living costs to cover (rent, food, utilities, minimum debt payments)."
      }
     }
    },
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "POST"
     ],
     "type": "string"
    },
    "bodyType": {
     "enum": [
      "json",
      "form-data",
      "text"
     ],
     "type": "string"
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "properties": {
      "grade": {
       "type": "string"
      },
      "score": {
       "type": "number"
      },
      "source": {
       "type": "string"
      },
      "drivers": {
       "type": "array",
       "items": {
        "type": "object",
        "properties": {
         "name": {
          "type": "string"
         },
         "note": {
          "type": "string"
         },
         "score": {
          "type": "number"
         },
         "weight": {
          "type": "number"
         }
        }
       }
      },
      "metrics": {
       "type": "object",
       "properties": {
        "shortfall": {
         "type": "integer"
        },
        "coverage_ratio": {
         "type": "number"
        },
        "emergency_fund_target": {
         "type": "integer"
        },
        "months_to_reach_target": {
         "type": "number"
        },
     
… (truncated)
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "grade": "strong",
  "score": 74.2,
  "source": "deterministic in-process finance calculator; no upstream API",
  "drivers": [
   {
    "name": "debt_service_coverage",
    "note": "1.42x DSCR",
    "score": 83.6,
    "weight": 0.3
   }
  ],
  "metrics": {
   "shortfall": 13800,
   "coverage_ratio": 0.395,
   "emergency_fund_target": 22800,
   "months_to_reach_target": 5.8,
   "months_of_expenses_covered": 2.4
  },
  "warnings": [],
  "calculator": "emergency-fund-calculator",
  "recommendation": "Proceed with standard diligence and covenant checks."
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/emergency-fund-calculator-41edc51e/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402.agentutility.ai](https://www.zero.xyz/host/x402.agentutility.ai/llms.txt)