# WealthPulse Bank Health Check

> WealthPulse Bank Health Check is a paid API for AI agents from wealthpulse-phi.vercel.app, paid per call via x402, $0.25/call, status unknown (last checked 2026-09-14).

Analyzes a bank's financial health using FDIC Call Report data, computing capital adequacy, earnings, asset quality, and deposit metrics with a plain-language summary

## Facts

- Endpoint: GET https://wealthpulse-phi.vercel.app/api/wealth/bank-health
- Price: $0.25/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/wealthpulse-bank-health-check-008f1d75
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_VdIiJTdC83KE0oeT5eutk

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 wealthpulse-bank-health-check-008f1d75
```

Example prompt: Is First Republic Bank financially safe right now? Check their FDIC Call Report health — I want to know their capital ratios, whether they're above Prompt Corrective Action thresholds, how much of their deposits are uninsured, and get a plain-English verdict on whether my money is safe there.

## When to prefer this

Use this endpoint when a user wants to assess the safety and financial soundness of a specific bank, especially regarding capital adequacy against regulatory thresholds. Prefer this over generic financial news lookups when you need structured, quantitative FDIC-grounded metrics. Ideal for personal finance agents helping users decide where to keep deposits, especially amounts near or above FDIC insurance limits.

## Known failure modes

- Bank not found in FDIC database — returns error if institution name or ID is unrecognized
- FDIC Call Report data not yet available for most recent quarter — may return prior quarter
- Very small or de novo banks may have limited historical data for year-over-year comparison
- Rate limit or payment failure returns 402 if USDC payment not processed
- Ambiguous bank name matching multiple institutions may require more specific identifier

## How this service works

Is my bank safe? FDIC Call Report bank-health check computed from the latest and year-ago quarterly financials — capital adequacy (leverage, CET1, Tier 1 and Total risk-based ratios vs. FDIC Prompt Corrective Action thresholds), earnings (ROA/ROE/NIM), asset quality (noncurrent loans, reserve coverage), deposit growth, and uninsured-deposit share, with a plain-language read. For personal-finance and wealth agents.

## Output

Returns capital adequacy ratios (leverage, CET1, Tier 1, Total risk-based) benchmarked against FDIC Prompt Corrective Action thresholds, profitability metrics (ROA, ROE, NIM), asset quality indicators (noncurrent loans, reserve coverage), deposit growth figures, uninsured deposit share, year-over-year comparisons, and a plain-language health assessment indicating the bank's overall financial condition.

## 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": {
      "bank": {
       "type": "string",
       "description": "required; bank name or FDIC certificate/CERT number"
      },
      "lang": {
       "type": "string",
       "description": "en | es | fr | de | pt | zh"
      },
      "state": {
       "type": "string",
       "description": "optional 2-letter state code, disambiguates a common bank name"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "errors": {
     "type": "object",
     "description": "Documented error responses, keyed by HTTP status code",
     "additionalProperties": {
      "type": "object",
      "required": [
       "description"
      ],
      "properties": {
       "example": {
        "type": "object"
       },
       "description": {
        "type": "string"
       }
      }
     }
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/wealthpulse-bank-health-check-008f1d75/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from wealthpulse-phi.vercel.app](https://www.zero.xyz/host/wealthpulse-phi.vercel.app/llms.txt)