# Falcon Bank Statement Extraction API

> Falcon Bank Statement Extraction API is a paid API for AI agents from falcondocs.vercel.app, paid per call via x402, $0.4/call, status unknown (last checked 2026-10-31).

Extracts every transaction and computes underwriting metrics (ADB, NSF counts, MCA/loan positions, revenue trend, DSCR inputs, integrity flags) from a bank statement PDF

## Facts

- Endpoint: POST https://falcondocs.vercel.app/v1/bank-statement?utm_source=zero.xyz
- Price: $0.4/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-31
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/falcon-bank-statement-extraction-api-ba56e18a
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_lGn-QbRmKz3dfclRJ6Y0G

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 falcon-bank-statement-extraction-api-ba56e18a -d '<json body>'
```

Example prompt: Can you run this business bank statement PDF through Falcon and pull out all the transactions plus the underwriting metrics — I need the average daily balance, any NSF events, MCA positions, and revenue trend for the lending decision?

## When to prefer this

Choose this endpoint when you need structured financial underwriting data from a bank statement, not just raw OCR text. It is specifically designed for lending, MCA, and credit risk workflows where you need computed metrics (ADB, NSF, DSCR inputs, revenue trend) alongside every parsed transaction in a single call. Prefer it over generic OCR endpoints when the downstream use case is financial decisioning or compliance review.

## Known failure modes

- Unsupported document type (not a bank statement) — returns document_type mismatch or error
- Low-quality or unreadable scan — reduced confidence scores or partial extraction
- Password-protected PDF — extraction fails or returns error
- Multi-institution or combined statements — may misclassify or partially extract
- Payment failure (insufficient USDC balance) — 402 Payment Required before processing

## How this service works

falcon.sol: Bank statement extraction for agents: every transaction + underwriting metrics (ADB, NSF, MCA/loan positions, revenue trend, DSCR inputs, integrity flags). $0.40 USDC.

## Output

Returns a structured JSON object containing: all individual transactions (date, amount, running balance, category, description), extracted fields like opening balance with confidence scores, and computed underwriting metrics including average daily balance, NSF/overdraft count, average monthly revenue deposits, identified debt positions (lender name, payment count, total, frequency, typical payment), and integrity flags indicating data anomalies or inconsistencies.

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "fields": {
   "opening_balance": {
    "value": 15210.4,
    "confidence": 0.99
   }
  },
  "metrics": {
   "debt_positions": {
    "ondeck": {
     "count": 21,
     "total": 8526,
     "frequency": "daily",
     "typical_payment": 406
    }
   },
   "integrity_flags": [],
   "nsf_overdraft_count": 2,
   "average_daily_balance": 12093.11,
   "avg_monthly_revenue_deposits": 45029.61
  },
  "transactions": [
   {
    "date": "2026-04-01",
    "amount": 2630.27,
    "balance": 17840.67,
    "category": "revenue_deposit",
    "description": "SQUARE INC DEPOSIT"
   }
  ],
  "document_type": "bank_statement"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/falcon-bank-statement-extraction-api-ba56e18a/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from falcondocs.vercel.app](https://www.zero.xyz/host/falcondocs.vercel.app/llms.txt)