# Numora — Lease vs. Buy Financial Math API

> Numora — Lease vs. Buy Financial Math API is a paid API for AI agents from numomo.vercel.app, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-14).

Computes and compares lease versus buy financial scenarios, returning key metrics to help decide the optimal financing option

## Facts

- Endpoint: POST https://numomo.vercel.app/api/financial/lease
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/numora-lease-vs-buy-financial-math-api-011ca212
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_4C2mgo9RpI4TavGktr-fT

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 numora-lease-vs-buy-financial-math-api-011ca212 -d '<json body>'
```

Example prompt: Can you run a lease-vs-buy analysis for a $35,000 car — the lease is $450/month for 36 months with $2,000 due at signing, and buying would require a $5,000 down payment at 6% APR over 60 months?

## When to prefer this

Use this endpoint when you need a pure mathematical, dependency-free comparison of lease versus buy scenarios for any asset. It is ideal when you have structured financial parameters for both options and need a reliable numeric output without calling a financial data provider. Prefer this over general-purpose calculators when operating in an agent context that supports x402 micropayments and needs deterministic, reproducible results.

## Known failure modes

- Missing required buyParams or leaseParams fields returns a 400-level error
- Invalid or non-numeric financial values (e.g. negative rates, zero terms) may cause computation errors
- Incomplete parameter objects may yield incomplete or misleading results
- Payment failure via x402 micropayment may block access to the endpoint

## How this service works

100 pure math computation endpoints for AI agents. Statistics, financial math, linear algebra, equation solving, calculus, number theory, sequence generation, and unit conversions. Zero external dependencies. x402 micropayments on Base.

## Output

Returns a JSON object with a success flag, a human-readable computation description, and a result object containing the computed financial metrics for both the lease and buy scenarios — including totals, monthly payment breakdowns, and comparative figures to support the financing decision.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "buyParams",
  "leaseParams"
 ],
 "properties": {
  "buyParams": {
   "type": "object"
  },
  "leaseParams": {
   "type": "object"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "object",
 "required": [
  "success",
  "result",
  "computation"
 ],
 "properties": {
  "result": {
   "type": "object",
   "description": "Computation result varies by endpoint"
  },
  "success": {
   "type": "boolean",
   "description": "Always true on success"
  },
  "computation": {
   "type": "string",
   "description": "Human-readable description of what was computed"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/numora-lease-vs-buy-financial-math-api-011ca212/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from numomo.vercel.app](https://www.zero.xyz/host/numomo.vercel.app/llms.txt)