# PennyRail AI Chat Mini Agent

> PennyRail AI Chat Mini Agent is a paid API for AI agents from pennyrail.vercel.app, paid per call via x402, $0.02/call, status unknown (last checked 2026-09-15).

Invokes a paid AI chat mini-agent via x402 micropayment settlement, accepting an input object and returning an AI-generated response

## Facts

- Endpoint: POST https://pennyrail.vercel.app/api/p/premium/ai.chat-mini--agent-chat
- Price: $0.02/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/pennyrail-ai-chat-mini-agent-8f882d3b
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_oDq-3_YH_fLOhFjmagoF8

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 pennyrail-ai-chat-mini-agent-8f882d3b -d '<json body>'
```

Example prompt: Send this message to the AI chat mini-agent and get a response: 'What are the top three strategies for reducing customer churn in a SaaS business?'

## When to prefer this

Choose this endpoint when you need a lightweight, pay-per-use AI chat agent accessible via x402 micropayment (USDC) at $0.02 per call — ideal for agent pipelines that need occasional AI inference without a subscription, or when building on the Coinbase/x402 payment stack and want a pre-integrated AI chat capability.

## Known failure modes

- Payment not provided or insufficient USDC balance — returns 402 Payment Required
- Malformed input object missing the required 'input' field — returns 400 Bad Request
- x402 settlement failure or network error — returns 5xx server error
- Empty or null input object may produce a low-quality or empty AI response
- Rate limiting or quota exceeded on the underlying AI model — returns 429 Too Many Requests

## How this service works

Machine-readable settlement service

## Output

Returns a JSON object containing the AI-generated chat response or agent output corresponding to the provided input. The response schema is open-ended (additionalProperties: true), so the structure may vary but typically includes the model's reply text and possibly metadata about the invocation.

## Request schema (JSON Schema)

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

## Response schema (JSON Schema)

```json
{
 "type": "object",
 "additionalProperties": true
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/pennyrail-ai-chat-mini-agent-8f882d3b/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from pennyrail.vercel.app](https://www.zero.xyz/host/pennyrail.vercel.app/llms.txt)