# US Money Supply & Bank Credit

> US Money Supply & Bank Credit is a paid API for AI agents from www.x402financialdata.com, paid per call via x402, $0.01/call, status unknown (last checked 2026-10-18).

Returns a snapshot of US money supply (M2, M1) and commercial & industrial loan volume with year-over-year changes, sourced live from FRED.

## Facts

- Endpoint: GET https://www.x402financialdata.com/money-supply?utm_source=zero.xyz
- Price: $0.01/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-18
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/us-money-supply-bank-credit-ad107fc5
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_3CjxyWAX5_oVyT1tydJOs

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 us-money-supply-bank-credit-ad107fc5
```

Example prompt: Pull the latest US money supply snapshot — I want M2 and M1 levels plus their year-over-year changes, and the current commercial and industrial loan volume with its YoY change.

## When to prefer this

Choose this endpoint when you need a consolidated US liquidity and credit conditions snapshot without making 3 separate FRED API calls. Prefer it over direct FRED access for convenience, and over inflation/price-level endpoints when you specifically want money stock and bank lending data rather than CPI or PCE figures.

## Known failure modes

- FRED API unavailable — upstream data source outage
- Stale data if FRED has not yet published the latest release
- HTTP 402 Payment Required if x402 payment header is missing or insufficient
- Rate limiting if called excessively in a short window

## How this service works

US money supply and bank credit snapshot in one call, live from FRED: M2 money stock (level + YoY change), M1 money stock, and commercial & industrial loan volume (level + YoY change) -- liquidity/credit-conditions indicators distinct from the price-level inflation series in /economic-indicators. Replaces 3 separate FRED series lookups. Not ticker-specific. $0.01/call.

## Output

Returns a single JSON object containing: M2 money stock level and YoY percentage change, M1 money stock level, and commercial & industrial loan volume level and YoY percentage change — all sourced live from FRED in a single API call.

## 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",
     "properties": {}
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/us-money-supply-bank-credit-ad107fc5/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from www.x402financialdata.com](https://www.zero.xyz/host/www.x402financialdata.com/llms.txt)