# Xynaptic Factoring Debtor Risk

> Xynaptic Factoring Debtor Risk is a paid API for AI agents from api.xynaptic.io, paid per call via x402, $0.05/call, status unknown (last checked 2026-10-02).

Assesses the credit risk of a French invoice debtor (by SIREN or name) for factoring decisions, returning registry status, financial strength, payment-risk verdict, and recommended maximum exposure.

## Facts

- Endpoint: GET https://api.xynaptic.io/v1/factoring-debtor-risk?utm_source=zero.xyz
- Price: $0.05/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-02
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/xynaptic-factoring-debtor-risk-1bc6a094
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_-3bsQmIlkKoEyG2fGodSs

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 xynaptic-factoring-debtor-risk-1bc6a094
```

Example prompt: Before we factor this invoice, can you pull the Xynaptic debtor risk assessment for the French company with SIREN 552032534 — I need to know their registry status, financial strength, and whether the verdict is advance, caution, or refuse?

## When to prefer this

Use this endpoint when you need a pre-advance credit assessment specifically for French companies in a factoring or accounts-receivable context. It is purpose-built for invoice factoring workflows and returns an actionable verdict (advance/caution/refuse) alongside a recommended exposure cap, which generic company lookup or credit bureau APIs do not provide.

## Known failure modes

- SIREN not found in French registry — returns error or empty result
- Company name is ambiguous and matches multiple entities — may return best guess or require SIREN
- Company has no financial data on record — verdict may default to caution or refuse
- Invalid SIREN format — returns validation error
- Rate limit or payment failure for the $0.05 USDC x402 charge — returns 402 or 429

## How this service works

Xynaptic Factoring Debtor Risk — pre-advance credit assessment of an invoice debtor (French company): registry status, financial strength, payment-risk verdict (advance/caution/refuse) and recommended max exposure. Informational, not financial advice. GET ?siren=... or ?name=...

## Output

Returns a structured report on the French debtor company including: official registry status (active/inactive), financial strength indicator, a payment-risk verdict (advance / caution / refuse), and a recommended maximum exposure amount. Explicitly informational and not financial advice.

## 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",
     "additionalProperties": {
      "type": "string"
     }
    }
   },
   "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/xynaptic-factoring-debtor-risk-1bc6a094/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.xynaptic.io](https://www.zero.xyz/host/api.xynaptic.io/llms.txt)