{"uid":"cap_DRtS-B-o7KCvLkUFLU8Sd","slug":"coin-railz-ai-credit-risk-score-de70e03e","name":"Coin Railz AI Credit Risk Score","description":"AI credit risk scoring using financial data","url":"https://coinrailz.com/x402/credit-risk-score","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"query":{"type":"string","description":"Query parameter for the service"}}},"responseSchema":{"type":"application/json","format":"json","example":{"result":"Service executed successfully","service":"credit-risk-score","success":true,"timestamp":"2026-02-07T01:47:54.384Z"}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"1.25","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":"$1.25/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"1.25","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"1.25","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_pIMvfw9FqGm0QBJJOPiGy","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"1.25","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Scores the credit risk of an entity using AI-driven analysis of financial data, returning a risk assessment via x402 micropayment","exampleAgentPrompt":"Can you run a credit risk score on this borrower — they have a credit utilization of 72%, 3 missed payments in the last year, annual income of $85,000, and $42,000 in outstanding debt? I want to know how risky they are before we proceed.","exampleUseCases":[{"title":"Loan applicant creditworthiness check","prompt":"I have a small business loan applicant — they've been operating for 2 years, have $180,000 in annual revenue, $65,000 in outstanding liabilities, and a 58% debt-to-income ratio. Can you run an AI credit risk score on them so I can decide whether to move forward with underwriting?"},{"title":"Automated underwriting risk assessment","prompt":"Before we approve this mortgage application, can you score the credit risk of this borrower? They earn $120,000 a year, carry $95,000 in total debt, have missed 1 payment in the past 18 months, and their credit utilization sits at 45%. I need a risk verdict before we proceed."},{"title":"Portfolio borrower risk monitoring","prompt":"I want to do a quick credit risk check on one of our existing borrowers — their financials have changed recently, with income dropping to $60,000, outstanding debt climbing to $78,000, and two late payments flagged in the last quarter. Can you run them through the AI credit scoring model and tell me if they've become higher risk?"}],"resultDescription":"Returns a JSON object with a success flag, a result message indicating the credit risk score outcome, the service name ('credit-risk-score'), and a timestamp. The actual scored risk value or category is embedded in the result field.","failureModes":["Payment failure (x402 micropayment of $1.25 USDC not completed) — endpoint returns 402 Payment Required","Malformed or missing financial input data — likely returns an error or incomplete result","Upstream AI model unavailable — may return a non-success response","Invalid request body format — generic 400-level error","Rate limiting or quota exceeded — service may reject the request"],"whenToPreferThis":"Choose this endpoint when you need a quick, per-call AI-generated credit risk score paid via x402 USDC micropayment, without a traditional API subscription. Ideal for agents that need on-demand credit risk assessments for lending, underwriting, or financial decision workflows where financial data can be passed programmatically.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-15T13:00:18.153Z","isFirstParty":false}