# Stratalize Bank Counterparty Diligence

> Stratalize Bank Counterparty Diligence is a paid API for AI agents from www.stratalize.com, paid per call via x402, $3/call, status unknown (last checked 2026-09-14).

Returns attested regulatory and compliance intelligence on a bank or financial institution counterparty, including AML benchmarks, OCC enforcement actions, CFPB complaints, and peer benchmarks — with a signed, independently verifiable receipt.

## Facts

- Endpoint: GET https://www.stratalize.com/api/x402/bank-counterparty-diligence
- Price: $3/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/stratalize-bank-counterparty-diligence-bea147c0
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_jj7S-PlLraAh6kEWUnscP

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 stratalize-bank-counterparty-diligence-bea147c0
```

Example prompt: Run a full bank counterparty diligence on First Midwest Bank — it's a regional bank with assets between $1B and $10B — and focus the AML section on enforcement actions so I can review everything before we approve the funding relationship.

## When to prefer this

Use this endpoint when an agent needs pre-onboarding or pre-transaction due diligence on a bank, credit union, crypto exchange, or money services business — especially when verifiable, attested compliance intelligence is required. Prefer over generic web searches when you need structured AML, OCC, and CFPB data with a cryptographic proof of authenticity. Particularly valuable for compliance workflows where auditability matters.

## Known failure modes

- Institution name not recognized or too ambiguous — returns partial or empty results
- Source unavailable for one or more sections — response degrades gracefully per section with source_unavailable flags
- Invalid enum value for institution_type or asset_size_tier — returns 400 validation error
- Payment not confirmed — x402 payment required before data is returned
- Institution name too short (under 2 chars) or too long (over 300 chars) — returns 422 validation error

## How this service works

Stratalize — attested finance, legal, healthcare, and compliance intelligence. Signed, independently verifiable receipt on every call (trust.stratalize.com/verify). Use when diligencing a bank or financial institution counterparty before onboarding, funding, or transaction approval. Fans in bank regulatory benchmark, AML regulatory benchmark, OCC enforcement actions, credit union peer benchmark, and CFPB complaint intelligence — degrading per-section on source_unavailable. Input institution_name

## Output

Returns a multi-section intelligence report covering bank regulatory benchmarks, AML regulatory benchmarks (filtered by focus: enforcement, SAR filing, OFAC, or all), OCC enforcement actions, credit union peer benchmarks, and CFPB complaint intelligence. Each section degrades gracefully if a source is unavailable. The full response includes a cryptographically signed receipt verifiable at trust.stratalize.com/verify.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "aml_focus": {
   "enum": [
    "enforcement",
    "sar_filing",
    "ofac",
    "all"
   ],
   "type": "string",
   "description": "Request parameter: aml focus"
  },
  "asset_size_tier": {
   "enum": [
    "community_under_1b",
    "regional_1b_10b",
    "large_regional_10b_100b",
    "money_center_over_100b"
   ],
   "type": "string",
   "description": "Request parameter: asset size tier"
  },
  "institution_name": {
   "type": "string",
   "maxLength": 300,
   "minLength": 2,
   "description": "Request parameter: institution name"
  },
  "institution_type": {
   "enum": [
    "bank",
    "crypto_exchange",
    "money_services",
    "all"
   ],
   "type": "string",
   "description": "Request parameter: institution type"
  },
  "credit_union_asset_tier": {
   "enum": [
    "under_100m",
    "100m_500m",
    "500m_1b",
    "over_1b"
   ],
   "type": "string",
   "description": "Request parameter: credit union asset tier"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/stratalize-bank-counterparty-diligence-bea147c0/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from www.stratalize.com](https://www.zero.xyz/host/www.stratalize.com/llms.txt)