{"uid":"cap_8OxIflZVsx3NBRwohIC1s","slug":"xynaptic-factoring-portfolio-risk-6a073da3","name":"Xynaptic Factoring Portfolio Risk","description":"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=...","url":"https://api.xynaptic.io/v1/factoring-portfolio-risk?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"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"}}}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.1","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.1/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.1","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm__-7DTo0W5TSofWYlKI-9Y","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.1","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"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.","exampleAgentPrompt":"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.","exampleUseCases":[{"title":"Pre-factoring portfolio risk check","prompt":"Before I submit this batch of invoices to my factor, can you assess the risk profile? I have five debtors — SIRENs 123456789, 987654321, 111222333, 444555666, and 777888999 — with amounts ranging from €20,000 to €150,000 and payment terms between 30 and 90 days. Tell me the total exposure, who the riskiest debtors are, and if the portfolio is diversified enough."},{"title":"Sector concentration monitoring","prompt":"I want to check if my receivables book is too concentrated in one sector — can you analyze these SIRENs for me: 112233445, 223344556, 334455667, 445566778? I need to know the sector breakdown and get a diversification verdict."},{"title":"High-DSO debtor identification","prompt":"Some of my invoices are taking a very long time to get paid and I'm worried about my cash flow. Can you run a portfolio risk check on these three debtors — SIREN 321654987 (€80,000, 120 days), 654321789 (€45,000, 75 days), and 789123456 (€60,000, 60 days) — and flag which ones are driving up my DSO the most?"}],"resultDescription":"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.","failureModes":["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"],"whenToPreferThis":"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.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-02T18:48:43.200Z","isFirstParty":false,"canonicalSlug":"xynaptic-factoring-portfolio-risk-6a073da3"}