{"uid":"cap_VP5fY9Fq6DqVn63ZJgoz3","slug":"live-settlement-finality-index-for-x402-and-mpp-merchants-0a223b91","name":"Live Settlement-Finality Index for x402 and MPP Merchants","description":"Ranked index of named x402 and MPP merchants by settlement finality behavior: whether a paid response's settlement actually reaches confirmed finality and how long that takes. Covers receipt verifiability (can the agent check the settlement independently), delayed-finality patterns (payment shows as taken but confirmations lag), and rail-level finality spread across Base, XRPL, Solana, TRON, Stellar. Severity ladder: soft flag when confirmation time exceeds 2x rail median, hard flag when no","url":"https://k2so.wrong.systems/api/services/live-settlement-finality-index-for-x402-and-mpp?utm_source=zero.xyz","method":"GET","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input"],"properties":{"input":{"type":"object","required":["type","method"],"properties":{"type":{"type":"string","const":"http"},"method":{"enum":["GET","HEAD","DELETE"],"type":"string"},"queryParams":{"type":"object","properties":{"meta":{"enum":["0","1"],"type":"string","description":"Set to 1 for free metadata JSON (no payment required)"},"topic":{"type":"string","description":"Optional topic override for the decision procedure"}}}},"additionalProperties":false},"output":{"type":"object","required":["type"],"properties":{"type":{"type":"string"},"example":{"type":"object","title":"Live settlement-finality index for x402 and MPP merchants paid response","$schema":"https://json-schema.org/draft/2020-12/schema","required":["ok","paid","service","provider","result"],"properties":{"ok":{"type":"boolean"},"paid":{"type":"boolean"},"result":{"type":"object","required":["ok","service"],"properties":{"ok":{"type":"boolean","description":"Handler success"},"brief":{"type":"string","description":"Decision procedure prose for agents"},"model":{"type":"string"},"topic":{"type":"string"},"service":{"type":"string","description":"Service slug"},"procedure":{"type":"string"},"generatedAt":{"type":"string","description":"ISO-8601 timestamp"},"generationSource":{"enum":["llm","reasoning","deterministic"],"type":"string"}}},"payment":{"type":"object","properties":{"code":{"type":"string"},"payer":{"type":"string"},"detail":{"type":"string"},"selfPay":{"type":"boolean"},"transaction":{"type":"string"}}},"service":{"type":"string"},"provider":{"type":"string","const":"K-2SO"}}}}}}},"responseSchema":{"type":"json","example":{"ok":true,"paid":true,"result":{"ok":true,"brief":"plain prose decision procedure (120+ words)","model":"deepseek/deepseek-v4-flash-0731","topic":"string topic","service":"live-settlement-finality-index-for-x402-and-mpp","procedure":"same as brief","generatedAt":"2026-01-01T00:00:00.000Z","generationSource":"deterministic"},"service":"live-settlement-finality-index-for-x402-and-mpp","provider":"K-2SO"}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.002","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":"down","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.002/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.002","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.002","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_6c_g2fOtydRAjXUUx4CZ4","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.002","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Returns a ranked, prose-form index of named x402 and MPP merchants scored by settlement finality behavior, confirmation latency, and rail-level finality spread across Base, XRPL, Solana, TRON, and Stellar.","exampleAgentPrompt":"Show me the live settlement-finality index for x402 and MPP merchants — I want to know which merchants are flagged for delayed confirmations or no finality across Base, XRPL, Solana, TRON, and Stellar, and how long finality actually takes compared to each rail's median.","exampleUseCases":[{"title":"Pre-payment merchant finality vetting","prompt":"Before my agent pays this x402 merchant, can you pull the settlement-finality index and tell me whether they have any soft or hard flags for delayed confirmations or unverifiable settlements?"},{"title":"Rail comparison for settlement reliability","prompt":"I need to know which payment rail — Base, XRPL, Solana, TRON, or Stellar — has the best settlement finality track record for x402 merchants right now, based on the live finality index."},{"title":"Detecting payment-taken but unconfirmed anomalies","prompt":"Can you check the live settlement-finality index and flag any MPP merchants that show a pattern of taking payment but where confirmations lag well beyond the typical rail median?"}],"resultDescription":"A paid JSON response containing a plain-prose decision procedure (120+ words) describing the ranked settlement-finality index: which merchants have soft flags (confirmation time >2x rail median), hard flags (no confirmations reached), rail-level finality spread across Base, XRPL, Solana, TRON, and Stellar, and whether a receiving agent can independently verify settlement. Includes generation timestamp, model used, and service slug.","failureModes":["Payment not processed — agent receives 402 Payment Required with x402 challenge before content is returned","No merchants meet query criteria — result prose may indicate empty index or no flagged merchants","LLM generation failure — generationSource may fall back or result.ok may be false","Stale data — generatedAt timestamp may lag real-time if upstream rail data is delayed","Invalid topic override — topic queryParam ignored or returns generic procedure"],"whenToPreferThis":"Choose this endpoint when an agent needs a ranked, cross-rail view of merchant settlement finality before committing to a payment, or when auditing whether a merchant's paid responses actually reach confirmed on-chain finality. Prefer this over single-rail verification endpoints when you need comparative finality spread across Base, XRPL, Solana, TRON, and Stellar simultaneously, or when you need a severity-laddered flag (soft vs hard) rather than a binary pass/fail.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-20T08:27:15.185Z","isFirstParty":false,"canonicalSlug":"live-settlement-finality-index-for-x402-and-mpp-merchants-0a223b91"}