# Otto AI Dividend Intelligence

> Otto AI Dividend Intelligence is a paid API for AI agents from x402.ottoai.services, paid per call via x402, $0.003/call, status unknown (last checked 2026-09-14).

Returns dividend yield, growth rate, payout ratio, and yield-trap flags for a given equity or ETF ticker symbol

## Facts

- Endpoint: GET https://x402.ottoai.services/dividend-intel
- Price: $0.003/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/otto-ai-dividend-intelligence-bb06994e
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_DfvTZQKOmcbw4wLIJZhWu

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 otto-ai-dividend-intelligence-bb06994e
```

Example prompt: What's the current dividend yield, payout ratio, and dividend growth rate for AAPL, and does it show any yield-trap warning flags?

## When to prefer this

Use this endpoint when you need structured, machine-readable dividend metrics — yield, growth, payout ratio, and yield-trap detection — for a specific US equity or ETF ticker. Prefer it over general market data endpoints when the focus is income investing due diligence or dividend sustainability analysis. The yield-trap flag is a distinctive feature not commonly available in raw market data feeds.

## Known failure modes

- Unsupported or invalid ticker returns an error or empty data
- Ticker with no dividend history may return null fields for yield and growth
- Next ex-dividend date may be null if not yet announced
- Data may be stale if the provider feed is delayed (check meta.stalenessSec)
- Degraded mode (meta.degraded: true) may indicate partial data availability

## How this service works

Cash-dividend intelligence for a vendor-resolved equity from licensed Tiingo end-of-day history: TTM dividend/share and yield against the latest close, latest dividend, split-adjusted complete-year growth, the last eight payments, split events, and a cut-detection checklist with explicit coverage. Payout ratio, forward ex-dates and declaration/record/payment dates are not served (not in the Tiingo feed). Cash values keep Tiingo payload units.

## Output

A JSON object containing the ticker symbol, data provider (FMP), next ex-dividend date (if available), trailing-twelve-month yield percentage, dividend growth rate with the latest complete year, a yield-trap check with any warning flags and overall status, and the TTM payout ratio — plus metadata indicating data freshness and whether the response is degraded.

## 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": [
      "ticker"
     ],
     "properties": {
      "ticker": {
       "type": "string",
       "description": "Vendor-supported equity or ETF ticker (e.g. AAPL, NVDA, TSLA, SPY); returned monetary values use the vendor payload units and are not relabeled as USD."
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "required": [
      "status"
     ],
     "properties": {
      "data": {},
      "meta": {
       "type": "object"
      },
      "reason": {
       "type": "string",
       "description": "status=unavailable only; every >=400 is UNCHARGED"
      },
      "status": {
       "enum": [
        "success",
        "unavailable"
       ],
       "type": "string"
      }
     }
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "data": {
   "asOf": "2026-08-27",
   "ticker": "AAPL",
   "provider": "Tiingo",
   "notServed": {
    "nextExDate": "not in the Tiingo end-of-day feed (no forward calendar)",
    "payoutRatio": "not in the Tiingo end-of-day feed (no earnings leg)",
    "declarationRecordPaymentDates": "not in the Tiingo end-of-day feed"
   },
   "latestClose": 314.58,
   "yieldTtmPct": 0.337,
   "dividendGrowth": {
    "growthPct": 4.04,
    "priorCompleteYear": 2024,
    "latestCompleteYear": 2025,
    "priorCompleteYearTotal": 0.99,
    "latestCompleteYearTotal": 1.03
   },
   "dividendStatus": "payer",
   "latestDividend": {
    "exDate": "2026-08-10",
    "cashPerShare": 0.27,
    "splitAdjustedCashPerShare": 0.27
   },
   "yieldTrapCheck": {
    "flags": [],
    "status": "none-detected"
   },
   "dividendPerShareTtm": 1.06
  },
  "meta": {
   "degraded": false,
   "validUntil": "",
   "generatedAt": "",
   "stalenessSec": 0
  },
  "status": "success"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/otto-ai-dividend-intelligence-bb06994e/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402.ottoai.services](https://www.zero.xyz/host/x402.ottoai.services/llms.txt)