# hcrb.in Pre-Disbursement Guard

> hcrb.in Pre-Disbursement Guard is a paid API for AI agents from hcrb.in, paid per call via x402, $0.005/call, status unknown (last checked 2026-10-30).

Evaluates vendor/counterparty identifiers (LEI, VAT, IBAN, domain, company number) for mismatch signals and domain-age evidence before releasing funds

## Facts

- Endpoint: POST https://hcrb.in/v1/tools/pre-disbursement-guard/call?utm_source=zero.xyz
- Price: $0.005/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-30
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/hcrb-in-pre-disbursement-guard-1aa1feab
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_VsECuaEwVjgMLPlGqGDha

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 hcrb-in-pre-disbursement-guard-1aa1feab -d '<json body>'
```

Example prompt: Before we pay this invoice, screen the vendor — their domain is acme-supplies.com, they claim to be registered in Germany with VAT number DE123456789, company number HRB12345, and the payment goes to IBAN DE89370400440532013000 for $12,500. Flag any mismatch or domain-age red flags.

## When to prefer this

Use this endpoint when you need a fast, multi-signal pre-payment vendor screening that combines domain-age heuristics with cross-identifier mismatch detection (LEI, VAT, IBAN, company number, domain) in a single call. Prefer it over single-field validators (e.g. IBAN-only or VAT-only checkers) when you want holistic counterparty risk signals before disbursement. Not a substitute for regulated KYB/KYC or certified fraud clearance.

## Known failure modes

- Missing or invalid prev_receipt_hash causes rejection — a preceding receipt hash is required
- Malformed IBAN fails structural validation before screening begins
- Invalid 2-letter ISO country code for declared_country returns a validation error
- Insufficient identifiers supplied may yield a low-confidence advisory with limited signal
- Rate limiting or payment failure (x402) prevents the call from completing
- Domain not resolvable or too new to assess age returns partial result

## How this service works

Check supplier tax and bank identifiers (IBAN, LEI, EU VAT, UK company number), domain-age evidence and country mismatch signals before vendor payment. Requires a preceding receipt hash. An advisory result is not verified identity, fraud clearance or authorization to release funds.

## Output

Returns an advisory screening result including identifier consistency analysis, domain-age evidence, detected mismatch signals between supplied identifiers, and an overall advisory assessment. Explicitly not a verified identity confirmation, fraud clearance, or authorization to release funds — it is a risk advisory to inform human or automated decision-making.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "input": {
   "type": "object",
   "required": [],
   "properties": {
    "lei": {
     "type": "string",
     "description": "ISO 17442 Legal Entity Identifier (optional)."
    },
    "vat_number": {
     "type": "string",
     "description": "EU VAT number (optional)."
    },
    "vendor_domain": {
     "type": "string",
     "description": "Vendor website domain or invoicing email address (optional)."
    },
    "company_number": {
     "type": "string",
     "description": "Official corporate registration number, e.g. UK Companies House 8 digits/chars (optional)."
    },
    "recipient_iban": {
     "type": "string",
     "description": "Recipient bank IBAN (optional)."
    },
    "declared_country": {
     "type": "string",
     "description": "2-letter ISO country code where vendor claims to be registered (optional, e.g. 'GB', 'US', 'DE')."
    },
    "physical_address": {
     "type": "string",
     "description": "Vendor physical office address (optional)."
    },
    "prev_receipt_hash": {
     "type": "string",
     "description": "Preceding verification receipt hash (may also be passed via X-PREV-RECEIPT-HASH header)."
    },
    "invoice_amount_usd": {
     "type": "number",
     "description": "Disbursement transaction amount in USD (optional)."
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/hcrb-in-pre-disbursement-guard-1aa1feab/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from hcrb.in](https://www.zero.xyz/host/hcrb.in/llms.txt)