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PayAI Account-Takeover Risk Assessor
x402
PayAI Account-Takeover Risk Assessor is a paid API for AI agents from payai.agentstools.dev, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-14).
Returns a composite account-takeover risk score (0-100) by fusing a k-anonymity password exposure check with a domain's known breach history, without ever transmitting the raw password.
Price / call$0.01
Success—
StatusUnknown
How this service works
Composite account-takeover risk score (0-100) fusing a privacy-preserving password exposure check with a domain's known breach history. The password is hashed locally (k-anonymity, never transmitted). Returns ato_risk_score, a category, per-signal reasons and the raw signals so the agent can re-rank. Risk indicators, not a guarantee.
Output
A JSON object containing: ato_risk_score (integer 0-100), a risk category label (e.g. low/medium/high/critical), per-signal human-readable reasons explaining the score, and raw signals (password exposure count, domain breach events) so the caller can re-rank or apply custom thresholds. These are risk indicators, not guarantees.
Example use cases
Pre-login credential risk gate
“Before letting this user log in, check the ATO risk score for their password against our domain acmecorp.com — if the score is high, I want to flag the session for step-up authentication.”
New user password strength audit
“A new user just set their password as 'P@ssword123' on signup for shopexample.com — can you run an account-takeover risk assessment and tell me if this password has been seen in any breaches?”
Security audit for acquired domain
“We just acquired the domain legacystore.net and I want to understand its breach history — run a risk assessment so I can see what ATO exposure signals exist for that domain before we migrate users over.”
Technical details
Endpoint
POSThttps://payai.agentstools.dev/breach/assessWhen to prefer
Choose this endpoint when you need a privacy-preserving, fused signal that combines both password breach exposure and domain breach history into a single actionable risk score — without transmitting the raw password. Prefer it over standalone HaveIBeenPwned queries when you want a composite ATO risk score with categorization and per-signal breakdown in a single API call, especially in agent workflows where minimizing data exposure is critical.
Side effects
- Invalid or missing password input returns a 400 error
- Unknown or unresolvable domain returns partial score with domain signal absent
- Rate limiting or payment failure (x402) blocks the call
- Very new domains with no breach history may return low scores that understate real risk
- Edge case: password hash prefix collision could theoretically affect k-anonymity lookup accuracy
Input
Schema · Request body
| Field | Type | Description |
|---|---|---|
| ntlm | string | Alternative to password: a full 32-hex NTLM hash |
| sha1 | string | Alternative to password: a full 40-hex SHA-1 hash |
| domain | string | Optional domain to fold in its known breach history |
| password | string | Plaintext password — hashed locally with SHA-1; never stored, logged or transmitted |
Tags
x402
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