# SEC Company Due-Diligence Dossier

> SEC Company Due-Diligence Dossier is a paid API for AI agents from x402-agent-api.onrender.com, paid per call via x402, $0.03/call, status unknown (last checked 2026-10-13).

Returns a comprehensive one-call due-diligence dossier for a US public company, including financials, insider trading activity, recent 8-K events, and red/amber/green risk flags derived from SEC filings.

## Facts

- Endpoint: POST https://x402-agent-api.onrender.com/api/v1/company-dossier?utm_source=zero.xyz
- Price: $0.03/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/sec-company-due-diligence-dossier-78ddf4d8
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_gYtKjEBpCjcPj0wTu-FSX

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 sec-company-due-diligence-dossier-78ddf4d8 -d '<json body>'
```

Example prompt: Can you pull a full due-diligence dossier on Nvidia — financials, insider buying or selling, recent 8-K events, and any red flags — using their ticker NVDA?

## When to prefer this

Choose this endpoint when you need a broad, multi-signal due-diligence snapshot of a US public company in a single call — covering financials, insider activity, 8-K events, and risk flags together. Prefer it over individual SEC endpoints (10-K section reader, Form 4 insider endpoint, 8-K events endpoint) when you want a holistic view rather than a deep dive into one filing type. It is ideal for investment screening, vendor vetting, and M&A target assessment where speed and breadth matter more than exhaustive section-level detail.

## Known failure modes

- Company not found by ticker/name/CIK/domain — returns list of matching tickers for disambiguation
- Ambiguous company name matching multiple companies — returns ticker list for free, no charge
- SEC EDGAR data unavailable or rate-limited — may return partial data with missing[] populated
- Invalid ticker format or CIK out of range — returns validation error
- No recent filings found for very small or shell companies

## How this service works

SEC filings and web data for AI agents: read any section of a US public company's 10-K or 10-Q (risk factors, MD&A, …) since 2001, see what changed in it since last year, its latest 8-K events and press releases, a one-call due-diligence dossier with red flags (or a batch screen of 10), market-wide red-flag alerts (restatements, auditor changes, late filings, insider buying), today's earnings releases with their key figures, and a free index of its filings; turn any web page into clean Markdown; check whether a crypto wallet or token is safe to pay or trade (OFAC, owner powers, liquidity), new Base token launches with risk verdicts, and whether an x402 endpoint is safe to pay; profile a domain's email setup; HVAC engineering calculations (psychrometrics, coil loads, duct sizing) with every step shown. No accounts or API keys: pay per call in USDC with x402. Discovery endpoints are free; paid endpoints use the x402 v2 protocol with USDC on Base. Call a paid endpoint, receive 402 with a PAYMENT-REQUIRED header, sign the payment, and retry with PAYMENT-SIGNATURE. Libraries such as @x402/fetch do this transparently. Which tool: What filings does a company have? Which year's report or which 8-K do I want? → sec_list_filings (free). What was filed with the SEC since Friday / this morning? Which companies reported earnings or a CEO change today? → sec_list_filings (free). What are a company's risk factors? What did management say in the MD&A? What was in an earlier year's report? → sec_filing_section ($0.01). What changed in a company's risk factors (or MD&A, business, legal proceedings) since last year? Which new risks were added? → sec_section_changes ($0.04). I need several sections of the same report (e.g. risk factors and MD&A). → sec_filing_sections ($0.015). What are a company's revenue, profit, EPS, cash, debt and free cash flow over the last years or quarters? → sec_financials ($0.005). Are a company's insiders (CEO, CFO, directors) buying or selling its stock? → sec_insider_trades ($0.005). What happened at a company lately: earnings, CEO/CFO changes, acquisitions, cybersecurity incidents? → sec_recent_events ($0.01). Which companies' SEC filings mention a phrase ("material weakness", "tariff", a product or a person)? → sec_full_text_search ($0.01). Brief me on a public company: is anything wrong (restatements, auditor changes, losses, insider selling)? Financials, recent events and insiders in one call. → company_dossier ($0.03). Screen a list of tickers (a portfolio or watchlist) for red flags in one call, worst first. → company_dossier_batch ($0.15). Who reported earnings today (or this morning), and what were the headline numbers? Optionally just my watchlist. → sec_earnings_today ($0.01). Did anything serious just get filed anywhere in the market (restatements, auditor changes, late filings, CEO exits, insider buying)? (free counter for polling) → sec_alerts_peek (free). Show me the new SEC red-flag alerts across the market or for my watchlist (poll with the cursor). → sec_market_alerts ($0.005). Who is this company (from a domain, name or ticker): what it does, HQ, founders, CEO, employees, ticker? → company_profile ($0.005). Is this person, company or crypto wallet on a US sanctions (OFAC) list? → sanctions_screen ($0.005). Where are US interest rates, inflation and unemployment right now? → economic_indicators ($0.003). What does this web page, article, PDF, feed or documentation say? → scrape_markdown ($0.002). Read several pages at once, or find a site's pages (pricing, docs, blog) first? → site_map ($0.002). Is it safe to pay this wallet address (an x402 payTo, a vendor, another agent)? Is it sanctioned, new, a contract? → wallet_risk_check ($0.005). Is this token a scam? Can the owner mint, freeze or tax it? Is there liquidity to sell? → token_risk_check ($0.01). What exactly does a paid tool return? (free, real output for an example input) → free_sample (free). Did any new tokens launch on Base since my last check? (free counter for polling) → token_launches_peek (free). Which tokens just launched on Base, and which look safe? (poll with since_block) → new_token_launches ($0.01). Is it safe to pay this x402 endpoint: valid challenge, fair price, clean payTo wallet, real usage? → x402_preflight ($0.003). Is this email address real and safe to send to? → email_verify ($0.001). Who hosts a company's email, is SPF/DMARC set up, which SaaS does it use? → domain_enrich ($0.004). HVAC: what are the dew point, enthalpy, RH and humidity ratio of air (from any two properties, at any elevation)? → hvac_psychrometrics ($0.002). HVAC: what is the cooling or heating coil load (sensible, latent, tons), or the mixed air with outdoor air? → hvac_coil_load ($0.002). HVAC: what size duct for this airflow (equal friction or velocity), or what friction and velocity in this duct? → hvac_duct_size ($0.002). Inputs are forgiving: name a company by ticker, CIK or name; sections as "Risk Factors", "MD&A" or "Item 1A"; 8-K events as codes (5.02) or words (earnings, executive changes); unknown fields are ignored. Invalid input returns a valid example, and failed calls are never charged. Every paid result ends with `next_calls`: the natural follow-up questions as ready-to-send calls with their price. Live reliability (answers, failures and latency per tool) is published at /status.

## Output

A JSON object containing: a plain-English due-diligence summary, a company profile (CEO, employees, HQ, industry), annual and quarterly financials, a list of risk flags at green/info/amber/red severity with source URLs, insider trading activity (buyers, sellers, net open-market amounts), recent 8-K events, exchange and ticker, and a list of any missing data fields.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "cik": {
   "anyOf": [
    {
     "type": "string",
     "pattern": "^\\d{1,10}$"
    },
    {
     "type": "integer",
     "maximum": 9007199254740991,
     "exclusiveMinimum": 0
    }
   ],
   "description": "SEC Central Index Key, e.g. 320193. Use this, `ticker` or `company`."
  },
  "via": {
   "type": "string",
   "maxLength": 64,
   "description": "Optional: the tool whose next_calls suggested this call (filled in for you)."
  },
  "domain": {
   "type": "string",
   "maxLength": 253,
   "minLength": 3,
   "description": "The company's website, e.g. \"nvidia.com\". Use this, `ticker`, `cik` or `company`."
  },
  "ticker": {
   "type": "string",
   "pattern": "^[A-Z][A-Z0-9.\\-]{0,9}$",
   "description": "US stock ticker, e.g. AAPL, MSFT, BRK-B. Use this, `cik` or `company`."
  },
  "company": {
   "type": "string",
   "maxLength": 120,
   "minLength": 2,
   "description": "Company name, e.g. \"Apple\" or \"Coca-Cola\". Use this, `ticker` or `cik`; a name matching several companies returns their tickers, free."
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "cik": "320193",
  "as_of": "2026-10-12T15:00:00.000Z",
  "flags": [
   {
    "url": "https://www.sec.gov/Archives/edgar/data/320193/000032019325000079/0000320193-25-000079-index.htm",
    "date": "2025-09-27",
    "flag": "Profitable with positive free cash flow",
    "level": "green",
    "detail": "FY2025 net income $112.0B, free cash flow $98.8B."
   },
   {
    "url": null,
    "date": "2026-10-03",
    "flag": "Insiders selling",
    "level": "info",
    "detail": "Timothy D. Cook (CEO), Kevan Parekh (CFO) sold $41.2M on the open market, $38.0M of it under pre-set 10b5-1 plans (Form 4s filed 2026-04-02 to 2026-10-03)."
   }
  ],
  "source": "sec-edgar",
  "ticker": "AAPL",
  "company": "Apple Inc.",
  "missing": [],
  "profile": {
   "ceo": "Tim Cook",
   "founded": "1976-04-01",
   "website": "https://www.apple.com/",
   "industry": "Electronic Computers",
   "employees": 166000,
   "description": "Apple Inc. is an American multinational technology company headquartered in Cupertino, California. (Example excerpt.)",
   "headquarters": "ONE APPLE PARK WAY, CUPERTINO, CA, 95014",
   "filer_category": "Large accelerated filer",
   "fiscal_year_end": "09-27",
   "incorporated_in": "CA"
  },
  "summary": "Apple Inc. (AAPL, Nasdaq): electronic computers, based in Cupertino, CA. FY2025: revenue $416.2B (+6.4% YoY), net income $112.0B (26.9% margin), free cash flow $98.8B. Latest quarter (Q3 FY2026, ended 2026-06-27): revenue $97.0B (+3.1% YoY), net income $24.8B. 2 8-K event(s) in the last 90 days; latest 2026-07-30: Results of Operations and Financial Condition. Insiders (last 15 Form 4s): bought $0, sold $41.2M on the open market ($38.0M under 10b5-1 plans). No red or amber flags. (Example figures.)",
  "exchange": "Nasdaq",
  "insiders": {
   "to": "2026-10-03",
   "from": "2026-04-02",
   "buyers": [],
   "filings": 15,
   "sellers": [
    "Timothy D. Cook (CEO)",
    "Kevan Parekh (CFO)"
   ],
   "net_open_market_usd": -41200000,
   "open_market_sales_usd": 41200000,
   "planned_10b5_1_sales_usd": 38000000,
   "open_market_purchases_usd": 0,
   "tax_withholding_sales_usd": 52000000
  },
  "financials": {
   "annual": [
    {
     "end": "2025-09-27",
     "cash": 35934000000,
     "revenue": 416161000000,
     "filing_url": "https://www.sec.gov/Archives/edgar/data/320193/000032019325000079/0000320193-25-000079-index.htm",
     "net_income": 112010000000,
     "eps_diluted": 7.46,
     "fiscal_year": 2025,
     "free_
… (truncated)
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/sec-company-due-diligence-dossier-78ddf4d8/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402-agent-api.onrender.com](https://www.zero.xyz/host/x402-agent-api.onrender.com/llms.txt)