Rafid Business Risk Score API

x402

Rafid Business Risk Score API is a paid API for AI agents from api.rafidsystem.com, paid per call via x402, $0.5/call, status unknown (last checked 2026-10-10).

Returns a structured business risk score with component breakdowns, risk flags, and evidence for a given company based on multi-source intelligence.

Price / call$0.5

Seller volume →—

Success—

StatusUnknown

How this service works

Rafid Agent API provides structured intelligence and paid APIs for AI agents across property, company and risk, supplier, finance, document, website, automotive, logistics, recruitment, trading, voice, video and business-planning workflows.

Output

Returns a JSON object containing: a numeric risk score (0-100), a categorical risk level (e.g. 'moderate'), component scores across digital, corporate, financial, compliance, reputation, and operational dimensions, a list of risk flags with severity, weight, and evidence IDs, matched company identity details (name, legal name, registration number, incorporation date, registry, LEI, country), an array of evidence records with source URLs and reliability ratings, an overall confidence score, a list of data provider statuses, and any warnings about unconfigured data sources.

Example use cases

Supplier onboarding due diligence

“Before we onboard GlobalParts Supply Ltd as a vendor — their domain is globalpartssupply.co.uk and they're registered in the UK — can you run a full business risk check and flag any financial or compliance red flags?”

Counterparty risk check before contract

“We're about to sign a contract with a German company called Müller Logistics GmbH at muellerlogistik.de — can you score their business risk and tell me if there are any operational or reputational concerns I should know about?”

Automated KYB screening for new client

“A new client called Apex Fintech Solutions (apex-fintech.com, incorporated in the US) just applied to join our platform — can you run a risk score on them and give me a breakdown of their corporate, financial, and compliance risk components?”

Technical details

Endpoint

POSThttps://api.rafidsystem.com/api/v1/x402/risk/business-risk-score?utm_source=zero.xyz

When to prefer

Choose this endpoint when you need a multi-dimensional, evidence-backed business risk score sourced from authoritative registries (e.g. UK Companies House, GLEIF) rather than a simple credit check or single-source lookup. It is particularly valuable for KYB (Know Your Business) workflows, supplier onboarding, counterparty due diligence, and compliance screening where you need structured risk flags with severity, confidence, and source citations — not just a pass/fail result.

Side effects

Company not found or unresolvable — resolution status set to 'unresolved' with low confidence
Missing required body fields — API returns validation error
Provider not configured warnings — some data sources unavailable in current deployment reducing evidence coverage
Stale evidence — evidence marked as stale if data is older than acceptable threshold
Low entity match confidence — if company name is ambiguous, matchedOn may be limited and confidence score drops
Payment failure — x402 payment not completed results in 402 response before assessment runs

Input

Schema · Request body

Field	Type	Description
inputrequired	object
output	object

Output

Schema · Response

{
  "type": "json",
  "example": {
    "status": "assessed",
    "business": {
      "lei": null,
      "city": "London",
      "name": "Example Trading Ltd",
      "domain": "example.com",
      "country": "GB",
      "website": "https://example.com",
      "industry": null,
      "registry": "UK Companies House",
      "legalName": "EXAMPLE TRADING LIMITED",
      "matchedOn": [
        "name"
      ],
      "countryName": "United Kingdom",
      "resolutionStatus": "resolved",
      "incorporationDate": "2015-11-03",
      "registrationNumber": "09876543",
      "registrationStatus": "active",
      "entityMatchConfidence": 0.95,
      "identityVerifiedAgainstRegistry": true
    },
    "evidence": [
      {
        "id": "ev_d65d32d7d57b9d4d",
        "type": "company_filing",
        "claim": "Filing status of EXAMPLE TRADING LIMITED: Accounts overdue: yes. Confirmation statement overd...",
        "stale": false,
        "ageDays": 297,
        "freshness": 1,
        "fromCache": false,
        "relevance": 1,
        "sourceUrl": "https://registry.example/company/09876543/filing-history",
        "observedAt": "2025-11-30",
        "recordType": "source_record",
        "sourceName": "UK Companies House filing status",
        "publishedAt": "2025-11-30",
        "reliability": "authoritative",
        "retrievedAt": "2026-09-23T10:00:00.000Z",
        "evidenceClass": "official_record",
        "sourceRecordId": "09876543"
      }
    ],
    "warnings": [
      {
        "code": "PROVIDER_NOT_CONFIGURED",
        "message": "Not enabled in this deployment: Rafid Oman company registry; Google Safe Browsing; EU Financi...",
        "provider": null
      }
    ],
    "providers": [
      {
        "role": "corporate",
        "stage": 1,
        "reason": null,
        "status": "ok",
        "provider": "GLEIF Global LEI Index",
        "fromCache": false,
        "retrievedAt": "2026-09-23T10:00:00.000Z",
        "evidenceCount": 0
      }
    ],
    "riskFlags": [
      {
        "code": "ACCOUNTS_OVERDUE",
        "title": "Statutory accounts overdue",
        "weight": 1,
        "category": "financial",
        "severity": "high",
        "confidence": 0.95,
        "factStatus": "observed",
        "description": "Statutory accounts are overdue (were due 2026-08-31).",
        "evidenceIds": [
          "ev_d65d32d7d57b9d4d"
        ],
        "scoreImpactPoints": 38,
        "requiresVerification": false
      }
    ],
    "riskLevel": "moderate",
    "riskScore": 35,
    "components": {
      "digitalRisk": 10,
      "corporateRisk": 6,
      "financialRisk": 66,
      "complianceRisk": 4,
      "reputationRisk": 16,
      "operationalRisk": 7
    },
    "confidence": 0.93,
    "assumptions": [
      "Company name is matched on its normalized core \"EXAMPLE TRADING\" (legal-form words such as Lt..."
    ],
    "evaluatedAt": "2026-09-23T10:00:00.000Z",
    "limitations": [
      "SYNTHETIC DOCUMENTATION EXAMPLE: fictional company, made-up registry numbers and fictional pu..."
    ],
    "methodology": {
      "formula": "Each signal contributes SEVERITY_POINTS[severity] × weight × confidence. Category score = bas...",
      "weightsSource": "default",
      "riskLevelBands": [
        {
          "max": 20,
          "min": 0,
          "level": "low"
        }
      ],
      "severityPoints": {
        "low": 8,
        "high": 40,
        "info": 0,
        "medium": 20,
        "critical": 70
      },
      "categoryWeights": {
        "digital": 0.1,
        "corporate": 0.2,
        "financial": 0.2,
        "compliance": 0.25,
        "reputation": 0.15,
        "operational": 0.1
      },
      "missingDataPolicy": "Absence of information is not treated as evidence of risk: categories without evidence get no...",
      "scoringModelVersion": "brs-1.0.0",
      "missingDataRiskRules": [
        {
          "code": "IDENTITY_NOT_FOUND_IN_REGISTRY",
          "rule": "The authoritative registry for the stated country was checked successfully and holds no match..."
        }
      ],
      "highRiskJurisdictionsSource": "FATF call-for-action list as of 2025-06"
    },
    "assessmentId": "bra_5a1272f4efd32a9b834150fe",
    "dataCoverage": {
      "digital": "high",
      "corporate": "high",
      "financial": "high",
      "compliance": "high",
      "reputation": "high",
      "operational": "high"
    },
    "recommendation": {
      "action": "enhanced_due_diligence",
      "rationale": "Elevated risk indicators or incomplete verification: obtain additional documentation before t...",
      "reasonCodes": [
        "ACCOUNTS_OVERDUE"
      ]
    },
    "scoreBreakdown": {
      "floorsApplied": [
        {
          "code": "ACCOUNTS_OVERDUE",
          "reason": "high signal ACCOUNTS_OVERDUE at confidence 0.95 sets a minimum overall score of 35.",
          "minimumScore": 35
        }
      ],
      "effectiveWeights": {
        "digital": 0.1,
        "corporate": 0.2,
        "financial": 0.2,
        "compliance": 0.25,
        "reputation": 0.15,
        "operational": 0.1
      },
      "rawWeightedScore": 19.5,
      "digitalContribution": 1,
      "corporateContribution": 1.2,
      "financialContribution": 13.2,
      "complianceContribution": 1,
      "reputationContribution": 2.4,
      "operationalContribution": 0.7
    },
    "positiveSignals": [
      {
        "code": "ACTIVE_REGISTRATION",
        "title": "Active registration",
        "weight": 1,
        "category": "corporate",
        "confidence": 0.95,
        "description": "The company appears with an active registration in UK Companies House.",
        "evidenceIds": [
          "ev_eb8d74c197c81ccf"
        ],
        "mitigationPoints": 19
      }
    ],
    "sanctionsScreening": {
      "status": "no_match_found",
      "matches": [],
      "listsChecked": [
        "UN Security Council Consolidated List"
      ],
      "namesScreened": [
        "Example Trading Ltd"
      ],
      "listsUnavailable": []
    },
    "confidenceBreakdown": {
      "freshness": 0.91,
      "capsApplied": [],
      "consistency": 1,
      "sourceQuality": 0.71,
      "contradictions": [],
      "categoryCoverage": 1,
      "entityResolution": 0.95,
      "authoritativeRecords": 1
    }
  }
}

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