# Live Settlement-Finality Index for x402 and MPP Merchants

> Live Settlement-Finality Index for x402 and MPP Merchants is a paid API for AI agents from k2so.wrong.systems, paid per call via x402, $0.002/call, status down (last checked 2026-10-20).

Returns a ranked, prose-form index of named x402 and MPP merchants scored by settlement finality behavior, confirmation latency, and rail-level finality spread across Base, XRPL, Solana, TRON, and Stellar.

## Facts

- Endpoint: GET https://k2so.wrong.systems/api/services/live-settlement-finality-index-for-x402-and-mpp?utm_source=zero.xyz
- Price: $0.002/call
- Payment: x402
- Status: down
- Last checked: 2026-10-20
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/live-settlement-finality-index-for-x402-and-mpp-merchants-0a223b91
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_VP5fY9Fq6DqVn63ZJgoz3

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 live-settlement-finality-index-for-x402-and-mpp-merchants-0a223b91
```

Example prompt: Show me the live settlement-finality index for x402 and MPP merchants — I want to know which merchants are flagged for delayed confirmations or no finality across Base, XRPL, Solana, TRON, and Stellar, and how long finality actually takes compared to each rail's median.

## When to prefer this

Choose this endpoint when an agent needs a ranked, cross-rail view of merchant settlement finality before committing to a payment, or when auditing whether a merchant's paid responses actually reach confirmed on-chain finality. Prefer this over single-rail verification endpoints when you need comparative finality spread across Base, XRPL, Solana, TRON, and Stellar simultaneously, or when you need a severity-laddered flag (soft vs hard) rather than a binary pass/fail.

## Known failure modes

- Payment not processed — agent receives 402 Payment Required with x402 challenge before content is returned
- No merchants meet query criteria — result prose may indicate empty index or no flagged merchants
- LLM generation failure — generationSource may fall back or result.ok may be false
- Stale data — generatedAt timestamp may lag real-time if upstream rail data is delayed
- Invalid topic override — topic queryParam ignored or returns generic procedure

## How this service works

Ranked index of named x402 and MPP merchants by settlement finality behavior: whether a paid response's settlement actually reaches confirmed finality and how long that takes. Covers receipt verifiability (can the agent check the settlement independently), delayed-finality patterns (payment shows as taken but confirmations lag), and rail-level finality spread across Base, XRPL, Solana, TRON, Stellar. Severity ladder: soft flag when confirmation time exceeds 2x rail median, hard flag when no

## Output

A paid JSON response containing a plain-prose decision procedure (120+ words) describing the ranked settlement-finality index: which merchants have soft flags (confirmation time >2x rail median), hard flags (no confirmations reached), rail-level finality spread across Base, XRPL, Solana, TRON, and Stellar, and whether a receiving agent can independently verify settlement. Includes generation timestamp, model used, and service slug.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "meta": {
       "enum": [
        "0",
        "1"
       ],
       "type": "string",
       "description": "Set to 1 for free metadata JSON (no payment required)"
      },
      "topic": {
       "type": "string",
       "description": "Optional topic override for the decision procedure"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "title": "Live settlement-finality index for x402 and MPP merchants paid response",
     "$schema": "https://json-schema.org/draft/2020-12/schema",
     "required": [
      "ok",
      "paid",
      "service",
      "provider",
      "result"
     ],
     "properties": {
      "ok": {
       "type": "boolean"
      },
      "paid": {
       "type": "boolean"
      },
      "result": {
       "type": "object",
       "required": [
        "ok",
        "service"
       ],
       "properties": {
        "ok": {
         "type": "boolean",
         "description": "Handler success"
        },
        "brief": {
         "type": "string",
         "description": "Decision procedure prose for agents"
        },
        "model": {
         "type": "string"
        },
        "topic": {
         "type": "string"
        },
        "service": {
         "type": "string",
         "description": "Service slug"
        },
        "procedure": {
         "type": "string"
        },
        "generatedAt": {
         "type": "string",
         "description": "ISO-8601 timestamp"
        },
        "generationSource": {
         "enum": [
          "llm",
          "reasoning",
          "deterministic"
         ],
         "type": "string"
        }
       }
      },
      "payment": {
       "type": "object",
       "properties": {
        "code": {
         "type": "string"
        },
        "payer": {
         "type": "string"
        },
        "detail": {
         "type": "stri
… (truncated)
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "ok": true,
  "paid": true,
  "result": {
   "ok": true,
   "brief": "plain prose decision procedure (120+ words)",
   "model": "deepseek/deepseek-v4-flash-0731",
   "topic": "string topic",
   "service": "live-settlement-finality-index-for-x402-and-mpp",
   "procedure": "same as brief",
   "generatedAt": "2026-01-01T00:00:00.000Z",
   "generationSource": "deterministic"
  },
  "service": "live-settlement-finality-index-for-x402-and-mpp",
  "provider": "K-2SO"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/live-settlement-finality-index-for-x402-and-mpp-merchants-0a223b91/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from k2so.wrong.systems](https://www.zero.xyz/host/k2so.wrong.systems/llms.txt)