{"uid":"cap_VP07bSLKZ4o7MFuA70vYB","slug":"402sentinel-x402-counterparty-risk-gate-37c20d66","name":"402Sentinel x402 Counterparty Risk Gate","description":"Pre-pay COMPLIANCE screen for regulated onchain flows. POST {target:{payto_address, agent_id?}, payment_context?:{amount,asset}} returns compliance_decision pass/flag/block, diligence_tier, obligations and checks: OFAC sanctions (hard block), counterparty due-diligence tier, structuring detection (sub-threshold payments aggregating within 24h, needs agent_id), FATF Travel-Rule threshold as informational. Screening support, not legal advice.","url":"https://402sentinel.com/api/compliance","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"target":{"type":"object","required":["payto_address"],"properties":{"agent_id":{"type":"string","description":"Optional: the paying agent's id — enables structuring/smurfing detection from its payment history."},"payto_address":{"type":"string","description":"0x EVM address that receives the payment."}},"description":"The payee to screen (+ optional payer agent_id for structuring detection)."},"payment_context":{"type":"object","properties":{"asset":{"type":"string"},"amount":{"type":"number","description":"Payment amount (USD-equivalent)."}},"description":"Payment amount drives the Travel-Rule threshold check."}}},"responseSchema":null,"example":{"request":{"policy":{"min_confidence":0.5,"max_payment_usdc":50,"review_ceiling_usdc":5},"target":{"payto_address":"0x6a5e7d954f49712abf3f873f037ec845b7b8c666"},"payment_context":{"asset":"USDC","amount":10}},"response":{"as_of":"2026-06-12T05:13:10+00:00","checks":{"sanctions":{"hit":false,"source":null,"list_size":97},"structuring":{"note":"no agent_id provided — structuring analysis needs the payer's id","available":false,"screening_skipped":true},"travel_rule":{"note":"INFORMATIONAL — Travel-Rule reporting thresholds VARY BY JURISDICTION (EU/MiCA: ALL crypto transfers, no de-minimis; US/FinCEN: ~$3,000; FATF reference: ~$1,000) and the obligation falls on VASPs, not the paying agent. Does not change the pay decision.","amount":10,"fatf_reference_usd":1000,"at_or_above_fatf_reference":false},"counterparty_risk":{"decision":"allow","confidence":0.85,"risk_score":18}},"disclaimer":"Automated screening to support compliance workflows — not legal advice and not a substitute for your own AML/KYC program.","obligations":["provide_agent_id_for_structuring_screening"],"diligence_tier":"standard_due_diligence","recommendation":"Compliant for this amount under standard due diligence.","compliance_decision":"pass","counterparty_assessment_id":"ca_6697c90897cce19360"}},"exampleRequest":{"policy":{"min_confidence":0.5,"max_payment_usdc":50,"review_ceiling_usdc":5},"target":{"payto_address":"0x6a5e7d954f49712abf3f873f037ec845b7b8c666"},"payment_context":{"asset":"USDC","amount":10}},"tags":["x402"],"displayCostAmount":"0.02","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"settled","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":"$0.02/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.02","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.02","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_9UN2O2NFM10P1ZKKNVut5","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.02","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Assesses an x402 payment counterparty's on-chain risk before payment, returning a 0-100 risk score and an allow/review/block decision based on settlement behavior.","exampleAgentPrompt":"Before I pay this x402 API, run a risk check on the counterparty address 0x6a5e7d954f49712abf3f873f037ec845b7b8c666 on Base — I want at least 0.5 confidence and I'm planning to pay up to $10 USDC, so flag anything over $5 for review.","exampleUseCases":null,"resultDescription":"Returns a 0-100 risk score, an allow/review/block decision, and supporting signals derived from on-chain settlement behavior including address age, payer diversity, and settlement maturity. Enables the calling agent to gate or proceed with an x402 payment automatically.","failureModes":["Unknown or brand-new address with no on-chain history returns low confidence score and likely a review/block decision","Invalid or malformed payto_address causes a validation error","Network not supported returns an error or empty result","Payment for the compliance check itself fails (x402 payment required, $0.02 USDC on Base)","Timeout if on-chain data indexing is delayed"],"whenToPreferThis":"Use this endpoint when your AI agent is about to make an x402 pay-per-call payment and needs to assess counterparty risk before committing funds. It is specifically designed for the x402 protocol and on-chain settlement behavior on Base, making it superior to generic blockchain analytics tools that lack x402-specific signals like facilitator-aware payer diversity and settlement maturity.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-09-14T12:38:34.013Z","isFirstParty":false}