# Purchase Order Finance Score

> Purchase Order Finance Score is a paid API for AI agents from x402.agentutility.ai, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-14).

Scores and grades a purchase order for financing viability using a deterministic in-process finance calculator, returning a letter grade, numeric score, and key financial drivers.

## Facts

- Endpoint: POST https://x402.agentutility.ai/purchase-order-finance-score
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/purchase-order-finance-score-357cc322
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_uwLmsyjPNacfKD50_F1ft

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 purchase-order-finance-score-357cc322 -d '<json body>'
```

Example prompt: Score this purchase order for financing: the PO is worth $400,000, the buyer has a credit score of 80, our supplier reliability score is 85, and gross margin is 22% — tell me the finance grade, numeric score, and whether we should proceed.

## When to prefer this

Use this endpoint when you need a fast, deterministic, in-process score for purchase order financing decisions without hitting an external credit bureau or third-party API. Ideal for automated trade finance pipelines, agent-driven underwriting workflows, or any scenario where you need a structured grade + recommendation on a single PO in real time at minimal cost ($0.01 USDC per call).

## Known failure modes

- Missing required fields (e.g. po_value, buyer_credit_score) returns a 4xx validation error
- Out-of-range metric values may produce warnings or degraded scores
- Payment failure via x402 (insufficient USDC balance) results in 402 Payment Required with payment instructions
- Malformed JSON body returns a 400 Bad Request

## How this service works

Paid x402 endpoints organized into product clusters. USDC-settled on Base. MCP-callable. ERC-8004 identity registry agentId 47167.

## Output

Returns a JSON object with a letter grade (e.g. 'strong'), a numeric score (0-100), a list of financial drivers with their weights and sub-scores, raw metrics (PO value, gross margin, buyer credit score, supplier reliability), any warnings, and a plain-English recommendation on whether to proceed with financing.

## Request schema (JSON Schema)

```json
{
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "type": "object",
 "properties": {
  "input": {
   "type": "object",
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "type": "string",
     "enum": [
      "POST"
     ]
    },
    "bodyType": {
     "type": "string",
     "enum": [
      "json",
      "form-data",
      "text"
     ]
    },
    "body": {
     "properties": {
      "po_value": {
       "type": "number",
       "description": "Purchase order value (USD)."
      },
      "supplier_reliability_score": {
       "type": "number",
       "description": "Supplier delivery reliability, 0-100."
      },
      "buyer_credit_score": {
       "type": "number",
       "description": "End-buyer credit quality, 0-100."
      },
      "gross_margin_pct": {
       "type": "number",
       "description": "Gross margin on the order percent."
      },
      "lead_time_days": {
       "type": "number",
       "description": "Fulfillment lead time in days. Optional, default 45."
      }
     },
     "required": [
      "po_value",
      "supplier_reliability_score",
      "buyer_credit_score",
      "gross_margin_pct"
     ]
    }
   },
   "required": [
    "type",
    "method",
    "bodyType",
    "body"
   ],
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "properties": {
      "calculator": {
       "type": "string"
      },
      "score": {
       "type": "number"
      },
      "grade": {
       "type": "string"
      },
      "recommendation": {
       "type": "string"
      },
      "metrics": {
       "type": "object",
       "properties": {
        "po_value": {
         "type": "integer"
        },
        "supplier_reliability_score": {
         "type": "integer"
        },
        "buyer_credit_score": {
         "type": "integer"
        },
        "gross_margin_pct": {
         "type": "integer"
        }
       }
      },
      "drivers": {
       "type": "array",
       "items": {
        "type": "object",
        "properties": {
         "name": {
          "type": "string"
         },
         "score": {
          "type": "integer"
         },
         "weight": {
          "type": "number"
         },
         "note": {
          "type": "string"
         }
        }
       }
      },
      "warnings": {
       "type": "array"
      },
      "so
… (truncated)
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "grade": "strong",
  "score": 74.2,
  "source": "deterministic in-process finance calculator; no upstream API",
  "drivers": [
   {
    "name": "buyer_credit",
    "note": "end-buyer payment strength",
    "score": 80,
    "weight": 0.3
   }
  ],
  "metrics": {
   "po_value": 400000,
   "gross_margin_pct": 22,
   "buyer_credit_score": 80,
   "supplier_reliability_score": 85
  },
  "warnings": [],
  "calculator": "purchase-order-finance-score",
  "recommendation": "Proceed with standard diligence and covenant checks."
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/purchase-order-finance-score-357cc322/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402.agentutility.ai](https://www.zero.xyz/host/x402.agentutility.ai/llms.txt)