# x402 Pay-Precheck

> x402 Pay-Precheck is a paid API for AI agents from api.moneytools.dev, paid per call via x402, $0.005/call, status unknown (last checked 2026-11-04).

Validates and OFAC-screens the payment terms of an x402-protected endpoint before committing a payment

## Facts

- Endpoint: GET https://api.moneytools.dev/v1/precheck?utm_source=zero.xyz
- Price: $0.005/call
- Payment: x402
- Status: unknown
- Last checked: 2026-11-04
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/x402-pay-precheck-3ab264dc
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_eeayfVoCe8U2PA6rXX8hn

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 x402-pay-precheck-3ab264dc
```

Example prompt: Before we pay that x402 endpoint at https://api.example.com/data, can you run a precheck on it to validate the payment terms and make sure the payTo address isn't OFAC-sanctioned?

## When to prefer this

Use this endpoint whenever an AI agent or automated system is about to pay an x402-protected API and you want to validate the payment terms (scheme, network, payTo, amount, asset) and screen the recipient wallet against OFAC sanctions lists before committing funds. Prefer this over blindly calling the paid endpoint when operating autonomously with real USDC, integrating a new or unknown x402 provider, or when compliance and risk assessment are required. It is not charged on errors, making it low-risk to call defensively as a pre-flight check.

## Known failure modes

- Missing or invalid 'url' query parameter — returns an error without charging
- Target URL is not an x402 endpoint or returns no 402 response — may return an error or low-confidence verdict
- Network connectivity issues reaching the target URL
- OFAC screening service unavailable — may delay or fail the check
- Malformed x402 payment header on target endpoint — verdict may reflect parse errors

## How this service works

Factual directory of x402 pay-per-call services run by MoneyTools for AI agents, plus referral/affiliate links we hold. Contains referral links.

## Output

Returns a JSON object with a 'verdict' (e.g. 'ok'), a numeric 'riskScore', an array of 'reasons' explaining the assessment, an array of 'warnings' for potential concerns, and a 'recommendedOption' index pointing to the preferred payment option among those offered by the endpoint.

## 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"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "url": {
       "type": "string"
      },
      "method": {
       "type": "string"
      }
     }
    }
   }
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "json"
    },
    "example": {
     "type": "object",
     "properties": {
      "reasons": {
       "type": "array",
       "items": {}
      },
      "verdict": {
       "type": "string"
      },
      "warnings": {
       "type": "array",
       "items": {}
      },
      "riskScore": {
       "type": "number"
      },
      "recommendedOption": {
       "type": "number"
      }
     }
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "reasons": [],
  "verdict": "ok",
  "warnings": [],
  "riskScore": 5,
  "recommendedOption": 0
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/x402-pay-precheck-3ab264dc/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.moneytools.dev](https://www.zero.xyz/host/api.moneytools.dev/llms.txt)