# Polyform Business Onboard Decision API

> Polyform Business Onboard Decision API is a paid API for AI agents from api.polyform.org, paid per call via x402, $0.5/call, status unknown (last checked 2026-10-11).

Returns a risk-scored onboarding decision (APPROVE/REVIEW/REJECT) for a business, paid per-call via USDC micropayment on Base.

## Facts

- Endpoint: GET https://api.polyform.org/v1/business/onboard-decision?utm_source=zero.xyz
- Price: $0.5/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-11
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/polyform-business-onboard-decision-api-d2daf635
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_a9njD0fxEfKmhnLDs_VMy

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 polyform-business-onboard-decision-api-d2daf635
```

Example prompt: Can you run an onboarding decision check on this new business applicant and tell me whether they should be approved, sent for review, or rejected, along with their risk score?

## When to prefer this

Choose this endpoint when you need a fast, no-account-required, pay-per-call risk decision for business onboarding — especially in agentic pipelines where you want to avoid API key management and pay only for what you use via USDC micropayments on Base via x402.

## Known failure modes

- Missing or malformed query parameters returns a 400 error
- Payment not received or insufficient USDC balance returns a 402 Payment Required
- Service unavailable returns a 503
- Ambiguous or incomplete business input may return a REVIEW decision rather than a clear outcome

## How this service works

Pay-per-call data endpoints for AI agents. USDC on Base via x402. No account, no API key — one micropayment per call.

## Output

Returns a JSON object with a 'decision' field (e.g. APPROVE, REVIEW, REJECT) and a 'riskScore' integer (0–100) indicating the assessed risk level of the business seeking onboarding.

## 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",
     "properties": {}
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "decision": "REVIEW",
  "riskScore": 42
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/polyform-business-onboard-decision-api-d2daf635/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.polyform.org](https://www.zero.xyz/host/api.polyform.org/llms.txt)