# The Undesirables Oracle — TCG Card Lending Terms

> The Undesirables Oracle — TCG Card Lending Terms is a paid API for AI agents from oracle.the-undesirables.com, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-15).

Returns calibrated per-card lending terms including maximum LTV, liquidation price, and liquidity tier for trading card collateral based on tail-risk analysis

## Facts

- Endpoint: GET https://oracle.the-undesirables.com/api/v1/loan-terms
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-15
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/the-undesirables-oracle-tcg-card-lending-terms-3f49ca69
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_AXgY3FjMXgWx3clBpHmqn

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 the-undesirables-oracle-tcg-card-lending-terms-3f49ca69
```

Example prompt: What are the lending terms for TCGplayer product ID 207301, graded PSA 10, for a 14-day loan — specifically the max LTV and liquidation price?

## When to prefer this

Use this endpoint when you need calibrated, tail-risk-adjusted lending terms specifically for trading card collateral, particularly when you need honest refusals for illiquid or unrateable cards. Prefer this over generic asset pricing endpoints because it applies conformal-calibrated 99th-percentile risk sizing, incorporates liquidity tiering, and is specifically tuned to TCG market microstructure with TCGplayer product IDs as native inputs.

## Known failure modes

- Product ID not found on TCGplayer — returns error or unrateable status
- Insufficient market depth or trading history — card flagged as unrateable collateral
- Invalid term_days value (not 7, 14, or 30) — rejected with validation error
- Card has no verifiable on-chain price data — refused with honest unrateable response
- API returns 402 Payment Required if USDC micropayment is not attached

## How this service works

Calibrated per-card lending terms: max LTV sized so a 99pc tail move over the term keeps collateral above liquidation, plus liquidation price and liquidity tier (census depth, trading continuity). Honest value basis; refuses unrateable collateral. Inputs trace to on-chain committed data. Not financial advice.

## Output

Returns the maximum loan-to-value ratio sized to withstand a 99th-percentile tail price move over the loan term, the liquidation price in USD below which the collateral would be called, and a liquidity tier indicating market depth and trading continuity. Returns a refusal/unrateable status if the collateral does not meet minimum liquidity or data requirements.

## 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"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "product_id",
      "grade"
     ],
     "properties": {
      "grade": {
       "type": "string",
       "description": "Slab grade, e.g. PSA 10 — required in practice since 2026-09-12: without it the answer is status basis_frozen (raw USD level frozen 2026-09-07)"
      },
      "term_days": {
       "type": "integer",
       "description": "Loan term: 7, 14 or 30 (default 30 — the validated horizons)"
      },
      "product_id": {
       "type": "integer",
       "description": "TCGplayer product id — find via free /api/v1/search"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "required": [
      "status"
     ],
     "properties": {
      "status": {
       "type": "string"
      },
      "max_ltv": {
       "type": "number"
      },
      "liquidation_price_usd": {
       "type": "number"
      }
     }
    }
   }
  }
 }
}
```

## More

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