{"uid":"cap_AXgY3FjMXgWx3clBpHmqn","slug":"the-undesirables-oracle-tcg-card-lending-terms-3f49ca69","name":"The Undesirables Oracle — TCG Card Lending Terms","description":"Calibrated per-card lending terms: max LTV sized so a 99pc tail move over the term keeps collateral above liquidation, plus liquidation price and liquidity tier (census depth, trading continuity). Honest value basis; refuses unrateable collateral. Inputs trace to on-chain committed data. Not financial advice.","url":"https://oracle.the-undesirables.com/api/v1/loan-terms","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","required":["product_id","grade"],"properties":{"grade":{"type":"string","description":"Slab grade, e.g. PSA 10 — required in practice since 2026-09-12: without it the answer is status basis_frozen (raw USD level frozen 2026-09-07)"},"term_days":{"type":"integer","description":"Loan term: 7, 14 or 30 (default 30 — the validated horizons)"},"product_id":{"type":"integer","description":"TCGplayer product id — find via free /api/v1/search"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"example":{"type":"object","required":["status"],"properties":{"status":{"type":"string"},"max_ltv":{"type":"number"},"liquidation_price_usd":{"type":"number"}}}}}}},"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_Kxlqh6vzwUwAGfDNrud35","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":"Returns calibrated per-card lending terms including maximum LTV, liquidation price, and liquidity tier for trading card collateral based on tail-risk analysis","exampleAgentPrompt":"What are the lending terms for TCGplayer product ID 207301, graded PSA 10, for a 14-day loan — specifically the max LTV and liquidation price?","exampleUseCases":[{"title":"Graded card collateral loan sizing","prompt":"I want to use my PSA 10 Charizard Base Set as collateral. The TCGplayer product ID is 12345. Can you tell me the max LTV and liquidation price for a 30-day loan?"},{"title":"Ungraded card borrowing eligibility check","prompt":"I have a raw (ungraded) Magic: The Gathering Black Lotus, TCGplayer product ID 56789. What loan terms can I get on it for a 7-day loan, and is it even rateable as collateral?"},{"title":"Short-term loan risk assessment","prompt":"For a 14-day loan against TCGplayer product ID 98765 at PSA 9 grade, what's the liquidation price and which liquidity tier does it fall into?"}],"resultDescription":"Returns the maximum loan-to-value ratio sized to withstand a 99th-percentile tail price move over the loan term, the liquidation price in USD below which the collateral would be called, and a liquidity tier indicating market depth and trading continuity. Returns a refusal/unrateable status if the collateral does not meet minimum liquidity or data requirements.","failureModes":["Product ID not found on TCGplayer — returns error or unrateable status","Insufficient market depth or trading history — card flagged as unrateable collateral","Invalid term_days value (not 7, 14, or 30) — rejected with validation error","Card has no verifiable on-chain price data — refused with honest unrateable response","API returns 402 Payment Required if USDC micropayment is not attached"],"whenToPreferThis":"Use this endpoint when you need calibrated, tail-risk-adjusted lending terms specifically for trading card collateral, particularly when you need honest refusals for illiquid or unrateable cards. Prefer this over generic asset pricing endpoints because it applies conformal-calibrated 99th-percentile risk sizing, incorporates liquidity tiering, and is specifically tuned to TCG market microstructure with TCGplayer product IDs as native inputs.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T06:53:10.283Z","isFirstParty":false}