{"uid":"cap_TNTZNtErmaPq7VYeT75sb","slug":"agentutility-embedded-finance-score-d0ad6439","name":"AgentUtility Embedded Finance Score","description":"Paid x402 endpoints organized into product clusters. USDC-settled on Base. MCP-callable. ERC-8004 identity registry agentId 47167.","url":"https://x402.agentutility.ai/embedded-finance-score","method":"POST","headers":{},"bodySchema":null,"responseSchema":{"type":"json","example":{"grade":"strong","score":74.2,"source":"deterministic in-process finance calculator; no upstream API","drivers":[{"name":"debt_service_coverage","note":"1.42x DSCR","score":83.6,"weight":0.3}],"metrics":{"chargeback_rate_pct":0.6,"conversion_lift_pct":14},"warnings":[],"calculator":"embedded-finance-score","recommendation":"Proceed with standard diligence and covenant checks."}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.01","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"registry","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":"$0.01/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.01","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_rW05O3uq2kvIUivZXWmj-","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.01","costPer":"request","priority":0,"asset":null,"unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Scores a business or transaction on embedded finance health using a deterministic in-process calculator, returning a grade, numeric score, key drivers, and a recommendation.","exampleAgentPrompt":"Score my business for embedded finance readiness — our debt service coverage ratio is 1.42x, chargeback rate is 0.6%, and we've seen a 14% conversion lift. Give me a grade, a numeric score, and tell me whether I should proceed.","exampleUseCases":null,"resultDescription":"Returns a JSON object with a letter-style grade (e.g. 'strong'), a numeric score (e.g. 74.2), an array of weighted driver breakdowns (each with name, note, score, and weight), a metrics object with chargeback_rate_pct and conversion_lift_pct, a warnings array, and a natural-language recommendation string.","failureModes":["Missing or malformed required financial inputs return a 400 with validation details","Payment not settled in USDC on Base returns 402 before processing","Inputs outside expected numeric ranges may produce unreliable scores with warnings populated","Network or infrastructure errors return 5xx with no score output"],"whenToPreferThis":"Use this endpoint when you need a fast, deterministic embedded finance health score with no dependency on third-party APIs — ideal for pre-diligence checks, automated underwriting pipelines, or agent-driven financial assessments where latency and reproducibility matter. Prefer this over manual analysis or slower ML-based scoring when inputs are structured financial metrics like DSCR, chargeback rate, and conversion lift.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T13:11:21.485Z","isFirstParty":false}