# Xynaptic Factoring Portfolio Risk

> Xynaptic Factoring Portfolio Risk is a paid API for AI agents from api.xynaptic.io, paid per call via x402, $0.1/call, status unknown (last checked 2026-10-02).

Analyzes a set of invoices or SIREN codes to produce a factoring portfolio risk profile including sector concentration, top risky debtors, total exposure, DSO hint, and diversification verdict.

## Facts

- Endpoint: GET https://api.xynaptic.io/v1/factoring-portfolio-risk?utm_source=zero.xyz
- Price: $0.1/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-portfolio-risk-6a073da3
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_8OxIflZVsx3NBRwohIC1s

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-portfolio-risk-6a073da3
```

Example prompt: Can you run a portfolio risk analysis on my factoring invoices? I have three debtors — SIREN 123456789 (€50,000, 45 days), 987654321 (€120,000, 90 days), and 555444333 (€30,000, 30 days) — and I want to know the sector concentration, which debtors are riskiest, total exposure, and whether the portfolio is well diversified.

## When to prefer this

Choose this endpoint when you need a holistic risk profile of an invoice portfolio rather than a single-debtor credit check. It is specifically designed for factoring use cases where understanding sector concentration, aggregate exposure, and diversification across multiple debtors matters. Prefer it over single-debtor scoring endpoints when you have a batch of invoices and need a portfolio-level risk verdict.

## Known failure modes

- Invalid or unrecognized SIREN codes return an error or are excluded from analysis
- Empty invoice list results in an error or null profile
- Malformed query parameters cause a 400 Bad Request
- Payment failure (x402) if USDC balance is insufficient
- Rate limiting if too many calls are made in quick succession
- Partial results if some SIRENs cannot be resolved to sector data

## How this service works

Xynaptic Factoring Portfolio Risk — upload a set of invoices, get the portfolio risk profile: sector concentration, top risky debtors, total exposure, DSO hint and diversification verdict. Informational. POST {invoices:[{debtor_siren, amount, days}]} or GET ?sirens=...

## Output

Returns a structured portfolio risk profile containing: sector concentration breakdown, a ranked list of the top risky debtors with risk indicators, total monetary exposure across all invoices, a DSO (Days Sales Outstanding) hint, and a diversification verdict indicating whether the portfolio is adequately spread across sectors and debtors.

## 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-portfolio-risk-6a073da3/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)