# Trade Finance & Export Finance Risk Scorer

> Trade Finance & Export Finance Risk Scorer is a paid API for AI agents from x402.agentutility.ai, paid per call via x402, $0.01/call, status unknown (last checked 2026-09-14).

Scores trade finance and export finance transaction risk using buyer credit, country risk, tenor, collateral, FX, and documentation inputs, returning a grade, numeric score, and recommendation.

## Facts

- Endpoint: POST https://x402.agentutility.ai/trade-finance-risk-score-api
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/trade-finance-export-finance-risk-scorer-cb9bfe93
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_5Lpfy-atktS8Wrp7gNUac

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 trade-finance-export-finance-risk-scorer-cb9bfe93 -d '<json body>'
```

Example prompt: Score the trade finance risk for a buyer with a credit score of 72, country risk of 45, and a 90-day tenor — collateral covers 80% of exposure, documentation quality is 75, and FX risk is 30.

## When to prefer this

Choose this endpoint when you need a fast, deterministic, rule-based risk score for trade finance or export finance transactions that incorporates tenor, collateral, buyer credit, country risk, FX, and documentation quality — especially when you want a structured grade and actionable recommendation without building your own scoring model. Prefer it over generic credit APIs when trade finance-specific factors like tenor, LC documentation quality, and collateral coverage are central to the assessment.

## Known failure modes

- Missing required fields (buyer_credit_score, country_risk_score, tenor_days) returns a validation error
- Scores outside the 0–100 range may produce unexpected grading behavior
- Malformed JSON body returns a 400-level error
- Payment failure (insufficient USDC) blocks the call before computation

## How this service works

Scores trade finance and export finance risk, including tenor and collateral. Same calculator as trade-finance-risk-score, exposed under the buyer keyword used in demand searches. Use it as a trade finance risk score API, export finance risk API, or tenor and collateral scoring tool.

## Output

Returns a numeric risk score (0–100), a letter/word grade (e.g. 'strong'), a recommendation string (e.g. 'Proceed with standard diligence'), an array of score drivers with name, weight, score, and note, a metrics object with tenor_days and collateral_coverage_pct, and a warnings array for any flagged conditions.

## 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": {
     "required": [
      "buyer_credit_score",
      "country_risk_score",
      "tenor_days"
     ],
     "properties": {
      "tenor_days": {
       "type": "number",
       "description": "Transaction tenor in days."
      },
      "fx_risk_score": {
       "type": "number",
       "description": "0-100 FX risk; higher means riskier. Default 35."
      },
      "buyer_credit_score": {
       "type": "number",
       "description": "0-100 buyer credit quality."
      },
      "country_risk_score": {
       "type": "number",
       "description": "0-100 country/sanctions risk; higher means riskier."
      },
      "documentation_quality": {
       "type": "number",
       "description": "0-100 LC/invoice/bill-of-lading quality. Default 70."
      },
      "collateral_coverage_pct": {
       "type": "number",
       "description": "Collateral as percent of exposure. Default 0."
      }
     }
    },
    "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",
     "properties": {
      "grade": {
       "type": "string"
      },
      "score": {
       "type": "number"
      },
      "source": {
       "type": "string"
      },
      "drivers": {
       "type": "array",
       "items": {
        "type": "object",
        "properties": {
         "name": {
          "type": "string"
         },
         "note": {
          "type": "string"
         },
         "score": {
          "type": "number"
         },
         "weight": {
          "type": "number"
         }
        }
       }
      },
      "metrics": {
       "type": "object",
       "properties": {
        "tenor_days": {
         "type": "integer"
        },
        "collateral_coverage_pct": {
         "type": "integer"
        }
       }
      },
      "warnings": {
       "type": "array"
      },
      "calculator": {

… (truncated)
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "grade": "strong",
  "score": 74.2,
  "source": "deterministic in-process finance calculator; no upstream API",
  "drivers": [
   {
    "name": "debt_service_coverage",
    "note": "1.42x DSCR",
    "score": 83.6,
    "weight": 0.3
   }
  ],
  "metrics": {
   "tenor_days": 90,
   "collateral_coverage_pct": 85
  },
  "warnings": [],
  "calculator": "trade-finance-risk-score",
  "recommendation": "Proceed with standard diligence and covenant checks."
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/trade-finance-export-finance-risk-scorer-cb9bfe93/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402.agentutility.ai](https://www.zero.xyz/host/x402.agentutility.ai/llms.txt)