# Gig Worker Income Verification & Affordability API

> Gig Worker Income Verification & Affordability API is a paid API for AI agents from safe-weekly-spend-api-production.gigfinancetools.workers.dev, paid per call via x402, $2/call, status unknown (last checked 2026-10-17).

Analyzes self-reported gig-worker payout history to produce income verification, stability scoring, and housing/loan affordability estimates for US gig workers.

## Facts

- Endpoint: POST https://safe-weekly-spend-api-production.gigfinancetools.workers.dev/v1/income-verification?utm_source=zero.xyz
- Price: $2/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-17
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/gig-worker-income-verification-affordability-api-480ab38c
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_WbTGWFN-tN-sqwsibIt0Q

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 gig-worker-income-verification-affordability-api-480ab38c -d '<json body>'
```

Example prompt: I drive for DoorDash and Uber — can you analyze my last 24 months of payouts and tell me my qualifying monthly income, income stability grade, and how much house I could afford with a 30-year mortgage at 6.5% interest rate, assuming $450/month in existing debt payments?

## When to prefer this

Choose this endpoint when a gig worker needs a structured income verification report based on self-reported payout data — particularly for mortgage pre-qualification, rental applications, or personal affordability planning. It is purpose-built for multi-platform gig income (Uber, DoorDash, Instacart, etc.) with stability grading and DTI computation. Prefer it over generic financial calculators when the user has raw payout records and needs a lender-oriented summary with qualifying income methodology and a formal verification statement.

## Known failure modes

- Empty or invalid payouts array (minItems:1 violated) returns validation error
- Dates not matching YYYY-MM-DD pattern cause schema rejection
- business_expense_pct >= 1.0 is rejected (exclusiveMaximum)
- Fewer than 12 months of payout data may reduce qualifying_basis reliability
- Incomplete months at the as_of boundary are excluded, potentially shrinking effective history
- Payments made in USDC on Base may fail if wallet has insufficient balance (x402 payment failure)
- Platform name truncated if over 60 characters

## How this service works

Pay-per-call finance tools for US gig workers, paid in USDC on Base via x402. Not tax or financial advice.

## Output

Returns a structured JSON report including: a period summary (months of history, from/to), income stability score (0-100) and letter grade, average monthly income for 12 and 24 months, trend vs prior period, coefficient of variation, qualifying monthly income, per-platform income breakdown with share percentages, monthly income time series, loan affordability figures (max housing payment, max loan principal, DTI), rent affordability estimates (3x rule, 40x rule, 30% of income), and a plain-English verification statement. Includes disclaimer that data is self-reported and not independently verified.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "as_of": {
   "type": "string",
   "pattern": "^\\d{4}-\\d{2}-\\d{2}$",
   "description": "Default: latest payout date. Only complete months are used."
  },
  "payouts": {
   "type": "array",
   "items": {
    "type": "object",
    "required": [
     "date",
     "amount"
    ],
    "properties": {
     "date": {
      "type": "string",
      "pattern": "^\\d{4}-\\d{2}-\\d{2}$"
     },
     "amount": {
      "type": "number",
      "minimum": 0
     },
     "platform": {
      "type": "string",
      "maxLength": 60
     }
    },
    "additionalProperties": false
   },
   "maxItems": 5000,
   "minItems": 1
  },
  "business_expense_pct": {
   "type": "number",
   "minimum": 0,
   "description": "Share of gross that is business expense (to approximate net)",
   "exclusiveMaximum": 1
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "as_of": "2026-10-01",
  "flags": [],
  "period": {
   "to_month": "2026-09",
   "from_month": "2024-10",
   "months_of_history": 24
  },
  "summary": {
   "stability_grade": "A",
   "stability_score": 92,
   "annualized_last_12": 85200,
   "average_monthly_24": 6620,
   "business_expense_pct": 0.2,
   "trend_vs_prior_12_pct": 15.64,
   "average_monthly_last_12": 7100,
   "coefficient_of_variation": 0.08,
   "zero_income_months_last_12": 0,
   "estimated_net_monthly_last_12": 5680
  },
  "platforms": [
   {
    "share": 0.57,
    "total": 90240,
    "platform": "DoorDash"
   },
   {
    "share": 0.43,
    "total": 68640,
    "platform": "Uber"
   }
  ],
  "disclaimer": "Summary prepared from payout records the worker supplied, for the worker to shar…(truncated)",
  "monthly_income": [
   {
    "gross": 5100,
    "month": "2024-10"
   },
   {
    "gross": 6080,
    "month": "2024-11"
   },
   {
    "gross": 6160,
    "month": "2024-12"
   }
  ],
  "summary_statement": "Based on payout records I supplied, my average gross gig income was $7100.00/mon…(truncated)"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/gig-worker-income-verification-affordability-api-480ab38c/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from safe-weekly-spend-api-production.gigfinancetools.workers.dev](https://www.zero.xyz/host/safe-weekly-spend-api-production.gigfinancetools.workers.dev/llms.txt)