# Stratalize Bank Regulatory Benchmark

> Stratalize Bank Regulatory Benchmark is a paid API for AI agents from www.stratalize.com, paid per call via x402, $0.02/call, status unknown (last checked 2026-09-14).

Returns FDIC call report-sourced peer capital and performance benchmarks (CET1, Tier 1 leverage, NIM, efficiency ratio, charge-off rates) segmented by bank type and asset size tier, with cryptographic ML-DSA-65 signature for auditability.

## Facts

- Endpoint: GET https://www.stratalize.com/api/x402/bank-regulatory-benchmark
- Price: $0.02/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-regulatory-benchmark-516de0fa
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_FKtbwfC-i_ZUZSTPgGuW4

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-regulatory-benchmark-516de0fa
```

Example prompt: Pull me the FDIC peer benchmarks for commercial banks in the regional $1B–$10B asset tier — I need CET1, Tier 1 leverage, NIM, efficiency ratio, and charge-off rates for our board risk report, and I want the cryptographically signed version I can independently verify.

## When to prefer this

Use this endpoint when a bank CFO, risk officer, or compliance agent needs authoritative, FDIC-sourced peer benchmarks with cryptographic verifiability for regulatory exam preparation, board reporting, or audit trails. Prefer over generic financial data APIs when you need signed, independently verifiable outputs and segmentation by bank type (commercial, savings, cooperative) and asset size tier.

## Known failure modes

- Invalid bank_type enum value returns 400 error
- Invalid asset_size_tier enum value returns 400 error
- Payment of $0.02 USDC not provided or rejected causes 402 Payment Required
- FDIC data refresh lag may cause slightly stale benchmarks
- Cryptographic signature verification failure at trust.stratalize.com if receipt is tampered

## 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 a bank CFO or risk officer needs peer capital and performance benchmarks for exam prep or board reporting. Returns CET1, Tier 1 leverage, NIM, efficiency ratio, charge-off rates by asset size. Source: FDIC call report

## Output

Returns structured peer benchmark data including CET1 ratio, Tier 1 leverage ratio, net interest margin, efficiency ratio, and charge-off rates for the requested bank type and asset size tier, all sourced from FDIC call reports. Each response includes an ML-DSA-65 cryptographic signature and a verifiable receipt URL at trust.stratalize.com/verify.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "bank_type": {
   "enum": [
    "commercial",
    "savings",
    "cooperative"
   ],
   "type": "string",
   "description": "Request parameter: bank type"
  },
  "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"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/stratalize-bank-regulatory-benchmark-516de0fa/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)