{"uid":"cap_WbTGWFN-tN-sqwsibIt0Q","slug":"gig-worker-income-verification-affordability-api-480ab38c","name":"Gig Worker Income Verification & Affordability API","description":"Pay-per-call finance tools for US gig workers, paid in USDC on Base via x402. Not tax or financial advice.","url":"https://safe-weekly-spend-api-production.gigfinancetools.workers.dev/v1/income-verification?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"as_of":{"type":"string","pattern":"^\\d{4}-\\d{2}-\\d{2}$","description":"Default: latest payout date. Only complete months are used."},"payouts":{"type":"array","items":{"type":"object","required":["date","amount"],"properties":{"date":{"type":"string","pattern":"^\\d{4}-\\d{2}-\\d{2}$"},"amount":{"type":"number","minimum":0},"platform":{"type":"string","maxLength":60}},"additionalProperties":false},"maxItems":5000,"minItems":1},"business_expense_pct":{"type":"number","minimum":0,"description":"Share of gross that is business expense (to approximate net)","exclusiveMaximum":1}}},"responseSchema":{"type":"json","example":{"as_of":"2026-10-01","flags":[],"period":{"to_month":"2026-09","from_month":"2024-10","months_of_history":24},"summary":{"stability_grade":"A","stability_score":92,"annualized_last_12":85200,"average_monthly_24":6620,"business_expense_pct":0.2,"trend_vs_prior_12_pct":15.64,"average_monthly_last_12":7100,"coefficient_of_variation":0.08,"zero_income_months_last_12":0,"estimated_net_monthly_last_12":5680},"platforms":[{"share":0.57,"total":90240,"platform":"DoorDash"},{"share":0.43,"total":68640,"platform":"Uber"}],"disclaimer":"Summary prepared from payout records the worker supplied, for the worker to shar…(truncated)","monthly_income":[{"gross":5100,"month":"2024-10"},{"gross":6080,"month":"2024-11"},{"gross":6160,"month":"2024-12"}],"summary_statement":"Based on payout records I supplied, my average gross gig income was $7100.00/mon…(truncated)"}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"2","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":"$2/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"2","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"2","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_uSmx5xns9Y0-280RFKsmQ","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"2","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Analyzes self-reported gig-worker payout history to produce income verification, stability scoring, and housing/loan affordability estimates for US gig workers.","exampleAgentPrompt":"I drive for DoorDash and Uber — can you analyze my last 24 months of payouts and tell me my qualifying monthly income, income stability grade, and how much house I could afford with a 30-year mortgage at 6.5% interest rate, assuming $450/month in existing debt payments?","exampleUseCases":[{"title":"Mortgage pre-qualification for rideshare driver","prompt":"I've been driving for Uber and Lyft for the past two years and want to buy a house. Can you analyze my payout history and tell me my qualifying income, stability score, and the maximum loan I could afford on a 30-year mortgage at 7% interest with my $600/month car payment?"},{"title":"Rental application income verification","prompt":"My landlord wants proof of income but I only work for DoorDash and Instacart. Can you take my last 18 months of payouts and generate an income verification statement showing my average monthly earnings so I can show it for my apartment application?"},{"title":"Income trend analysis for multi-platform gig worker","prompt":"I work across Uber Eats, Instacart, and Amazon Flex and want to understand how my income has been trending. Can you look at my payouts over the past 24 months and tell me my stability grade, whether my income is growing, and what my qualifying monthly income would be after accounting for about 25% in business expenses?"}],"resultDescription":"Returns a structured JSON report including: a period summary (months of history, from/to), income stability score (0-100) and letter grade, average monthly income for 12 and 24 months, trend vs prior period, coefficient of variation, qualifying monthly income, per-platform income breakdown with share percentages, monthly income time series, loan affordability figures (max housing payment, max loan principal, DTI), rent affordability estimates (3x rule, 40x rule, 30% of income), and a plain-English verification statement. Includes disclaimer that data is self-reported and not independently verified.","failureModes":["Empty or invalid payouts array (minItems:1 violated) returns validation error","Dates not matching YYYY-MM-DD pattern cause schema rejection","business_expense_pct >= 1.0 is rejected (exclusiveMaximum)","Fewer than 12 months of payout data may reduce qualifying_basis reliability","Incomplete months at the as_of boundary are excluded, potentially shrinking effective history","Payments made in USDC on Base may fail if wallet has insufficient balance (x402 payment failure)","Platform name truncated if over 60 characters"],"whenToPreferThis":"Choose this endpoint when a gig worker needs a structured income verification report based on self-reported payout data — particularly for mortgage pre-qualification, rental applications, or personal affordability planning. It is purpose-built for multi-platform gig income (Uber, DoorDash, Instacart, etc.) with stability grading and DTI computation. Prefer it over generic financial calculators when the user has raw payout records and needs a lender-oriented summary with qualifying income methodology and a formal verification statement.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-17T12:38:49.283Z","isFirstParty":false,"canonicalSlug":"gig-worker-income-verification-affordability-api-480ab38c"}