# x402 Trust Layer Credit Score

> x402 Trust Layer Credit Score is a paid API for AI agents from x402trustlayer.xyz, paid per call via x402, $0.06/call, status unknown (last checked 2026-10-13).

Computes a credit/trust score for an entity via the x402 paid trust infrastructure protocol

## Facts

- Endpoint: POST https://x402trustlayer.xyz/api/protocol/credit/score?utm_source=zero.xyz
- Price: $0.06/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/x402-trust-layer-protocol-credit-score-df09f4f1
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap__fvrv_Gs59n7QYNyVyWze

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-trust-layer-protocol-credit-score-df09f4f1 -d '<json body>'
```

Example prompt: Can you run a credit score check on this counterparty through the x402 trust layer and tell me whether they're allowed to transact and what the summary says?

## When to prefer this

Use this endpoint when you need a structured, protocol-backed credit or trust score for an entity participating in x402-based transactions, especially when you need an explicit 'allowed' decision and a human-readable summary rather than just raw risk signals.

## Known failure modes

- Payment not settled — 402 response if x402 payment was not processed
- Missing required body fields — validation error if type, method, or bodyType are absent
- Unsupported HTTP method — error if method is not POST, PUT, or PATCH
- Entity not found — allowed may be false with a summary explaining insufficient data
- Service unavailable — 5xx if the trust layer infrastructure is down

## How this service works

68 paid x402 trust infrastructure APIs: guard, semantic escrow, mandate diff, certified seller network, KYM, mandates, compliance, disputes, and orchestration.

## Output

Returns a JSON object with an 'ok' boolean indicating request success, an 'allowed' boolean indicating whether the entity passes the credit threshold, and a 'summary' string describing the scoring outcome.

## 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": {
     "properties": {}
    },
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "POST",
      "PUT",
      "PATCH"
     ],
     "type": "string"
    },
    "bodyType": {
     "enum": [
      "json",
      "form-data",
      "text"
     ],
     "type": "string"
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object",
     "required": [
      "ok",
      "allowed",
      "summary"
     ],
     "properties": {
      "ok": {
       "type": "boolean"
      },
      "allowed": {
       "type": "boolean"
      },
      "summary": {
       "type": "string"
      }
     }
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "ok": true,
  "allowed": true,
  "summary": "Paid response after x402 settlement"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/x402-trust-layer-protocol-credit-score-df09f4f1/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from x402trustlayer.xyz](https://www.zero.xyz/host/x402trustlayer.xyz/llms.txt)