# Transaction Risk Score

> Transaction Risk Score is a paid API for AI agents from phion.systems, paid per call via x402, $0.004/call, status unknown (last checked 2026-10-20).

Estimates evidence-supported probability and expected loss for a transaction to support accept/reject decisions

## Facts

- Endpoint: POST https://phion.systems/v1/paid/trust/transaction-risk-score?utm_source=zero.xyz
- Price: $0.004/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-20
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/transaction-risk-score-742ff963
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_sjlf0b1-YktIIpv2jhtgM

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 transaction-risk-score-742ff963 -d '<json body>'
```

Example prompt: Before we process this $4,200 wire transfer to a new counterparty, can you get a risk score estimating the probability of loss and expected dollar exposure so I can decide whether to approve it?

## When to prefer this

Choose this endpoint when you need an evidence-backed, quantified risk score (probability + expected loss) for a specific transaction before processing or approving it, especially in automated payment pipelines, lending workflows, or fraud triage systems where a numeric risk output with supporting evidence is required for downstream decisioning.

## Known failure modes

- Insufficient transaction data provided returns a validation error or low-confidence score
- Malformed or missing required fields result in schema rejection
- Ambiguous counterparty identifiers may produce low-confidence estimates
- Service unavailability returns a 402 or 5xx error
- Transactions with no historical signal may yield inconclusive probability estimates

## How this service works

Estimate evidence-supported probability and expected loss for decision support

## Output

Returns an evidence-supported risk probability (likelihood of loss or fraud) and an expected loss figure for the transaction, designed to inform accept/reject decisions with traceable reasoning.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input",
  "output"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "body"
   ],
   "properties": {
    "body": {
     "type": "object",
     "additionalProperties": true
    }
   }
  },
  "output": {
   "type": "object",
   "required": [
    "example"
   ],
   "properties": {
    "example": {
     "type": "object",
     "additionalProperties": true
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json"
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/transaction-risk-score-742ff963/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from phion.systems](https://www.zero.xyz/host/phion.systems/llms.txt)