# Lumière PayCheck Wallet Risk Check

> Lumière PayCheck Wallet Risk Check is a paid API for AI agents from lumierepaycheck.org, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-12).

Checks a wallet address for risk signals, sanctions status, and payout legitimacy before an agent makes an x402 micropayment.

## Facts

- Endpoint: GET https://lumierepaycheck.org/v1/wallet-risk?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-12
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/lumi-re-paycheck-wallet-risk-check-24de08bb
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_Oku6bUpAhN1LKiHZB-AFW

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 lumi-re-paycheck-wallet-risk-check-24de08bb
```

Example prompt: Before my agent pays api.example.com, run a wallet risk check on their payout address 0xAbC123… to make sure it's not sanctioned and has a clean history — also compare it against the previous payout wallet 0xDef456… to see if they share an owner.

## When to prefer this

Choose this endpoint when an AI agent needs a fast, lightweight pre-payment wallet check — specifically verifying sanctions status and payout legitimacy before executing an x402 micropayment. Prefer this over a full trust report endpoint when you only need the wallet verdict and don't require endpoint scoring, price history, or a complete audit trail. Ideal for inline agent workflows where a go/no-go decision on a wallet is needed in real time before funds are sent.

## Known failure modes

- Missing required 'address' query parameter returns an error
- Invalid wallet address format (neither valid EVM 0x… nor Solana address) returns an error
- Address not yet seen in any x402 payout context may return limited or inconclusive reasons
- Sanctions data may have a freshness lag if upstream lists are not yet updated
- Compare address not recognized may reduce confidence in same-owner analysis

## How this service works

Wallet-risk check before paying any wallet: OFAC sanctions screening, whether it's a monitored x402 seller's payout wallet and how long it's been stable, recent unconfirmed payout-wallet switches to it (possible hijack), seller declarations, x402 payment history, and on-chain intelligence (first funder, one step back, wallet age and activity). Add compare=<other wallet> for same-owner evidence and a 0-1 confidence. Verdict: clear, caution, or block.

## Output

Returns a JSON object with the wallet address, a plain-language verdict ('clear', 'flagged', etc.), an array of human-readable reasons explaining the verdict (e.g. stable payout history, associated seller domains), and a sanctions object showing whether the wallet was screened, whether it's on a sanctions list, and any relevant list date.

## 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"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "address"
     ],
     "properties": {
      "address": {
       "type": "string",
       "description": "Wallet address to check: EVM (0x…, any EVM network including Base) or Solana"
      },
      "compare": {
       "type": "string",
       "description": "Optional: a second wallet (e.g. the previous payout wallet) for same-owner evidence"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "required": [
      "address",
      "verdict",
      "reasons",
      "sanctions"
     ]
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "address": "0x…",
  "reasons": [
   "payout wallet of 1 monitored seller (api.example.com), stable for 21 days"
  ],
  "verdict": "clear",
  "sanctions": {
   "listDate": "2026-10-02",
   "screened": true,
   "sanctioned": false
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/lumi-re-paycheck-wallet-risk-check-24de08bb/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from lumierepaycheck.org](https://www.zero.xyz/host/lumierepaycheck.org/llms.txt)