# Rafid Business Risk Score API

> 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.

## Facts

- Endpoint: POST https://api.rafidsystem.com/api/v1/x402/risk/business-risk-score?utm_source=zero.xyz
- Price: $0.5/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-10
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/rafid-business-risk-score-api-12896c9d
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_lvLVHlWahIeZIZh_dlN8r

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 rafid-business-risk-score-api-12896c9d -d '<json body>'
```

Example prompt: Can you run a business risk assessment on Example Trading Ltd (domain: example.com, registered in the UK) and tell me their overall risk score, any high-severity flags like overdue accounts, and how confident you are in the result?

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## 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",
    "bodyType",
    "body"
   ],
   "properties": {
    "body": {
     "type": "object",
     "additionalProperties": true
    },
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "POST"
     ],
     "type": "string"
    },
    "bodyType": {
     "enum": [
      "json",
      "form-data",
      "text"
     ],
     "type": "string"
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "additionalProperties": true
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "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 normali
… (truncated)
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/rafid-business-risk-score-api-12896c9d/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.rafidsystem.com](https://www.zero.xyz/host/api.rafidsystem.com/llms.txt)