# PayAI KYB Business Legitimacy Verifier

> PayAI KYB Business Legitimacy Verifier is a paid API for AI agents from payai.agentstools.dev, paid per call via x402, $0.02/call, status unknown (last checked 2026-10-12).

Verifies whether a business is real and returns a legitimacy verdict, 0-100 risk score, risk category, and per-dimension flags sourced from official registries.

## Facts

- Endpoint: GET https://payai.agentstools.dev/kyb/verify?utm_source=zero.xyz
- Price: $0.02/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-12
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/payai-kyb-business-legitimacy-verifier-938f9e62
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_3wPqwaXyhiir3YEKrcAun

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 payai-kyb-business-legitimacy-verifier-938f9e62
```

Example prompt: Can you verify whether Acme Corp is a real, active business? Look it up by name and tell me the legitimacy verdict, risk score, and which registries confirmed it.

## When to prefer this

Choose this endpoint when you need a deterministic, registry-backed legitimacy verdict for a business entity before transacting, onboarding, or due diligence — especially when you have a structured identifier like LEI, CIK, ISIN, or ticker. It is better than a generic web search because it fuses multiple official registries and returns a structured, auditable verdict without LLM hallucination risk.

## Known failure modes

- Company not found in any registry returns verdict 'not_found' with no risk score
- Ambiguous name match with no country hint may return wrong entity — use country param to disambiguate
- Invalid or malformed LEI/ISIN/CIK returns a 400 error
- Inactive or dissolved companies return appropriate verdict but limited registry data
- Rate limiting or payment failure returns 402 when USDC is not provided

## How this service works

Verify a business is real and get a legitimacy verdict plus a 0-100 risk score. Give one of name, lei, cik, ticker, isin or qid and get a verdict (real, likely_real, inactive, dissolved or not_found), a risk category, per-dimension flags, reasons, the official registry and which registries corroborated. Deterministic scoring, no LLM. Legitimacy indicators, not legal or credit advice.

## Output

Returns a verdict (real, likely_real, inactive, dissolved, or not_found), a numeric risk score from 0–100, a risk category, per-dimension flags, human-readable reasons for the verdict, the primary official registry used, and a list of corroborating registries.

## 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",
     "required": [],
     "properties": {
      "cik": {
       "type": "string",
       "description": "SEC EDGAR CIK (any zero-padding accepted)"
      },
      "lei": {
       "type": "string",
       "description": "GLEIF Legal Entity Identifier, 20 characters"
      },
      "qid": {
       "type": "string",
       "description": "Wikidata item id, e.g. Q312"
      },
      "isin": {
       "type": "string",
       "description": "ISIN security identifier, 12 characters"
      },
      "name": {
       "type": "string",
       "description": "Legal or common company name (fuzzy match)"
      },
      "ticker": {
       "type": "string",
       "description": "Stock ticker symbol, e.g. AAPL"
      },
      "country": {
       "type": "string",
       "description": "Optional country hint for disambiguation, e.g. US"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/payai-kyb-business-legitimacy-verifier-938f9e62/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from payai.agentstools.dev](https://www.zero.xyz/host/payai.agentstools.dev/llms.txt)