{"uid":"cap_sjlf0b1-YktIIpv2jhtgM","slug":"transaction-risk-score-742ff963","name":"Transaction Risk Score","description":"Estimate evidence-supported probability and expected loss for decision support","url":"https://phion.systems/v1/paid/trust/transaction-risk-score?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","$schema":"https://json-schema.org/draft/2020-12/schema","required":["input","output"],"properties":{"input":{"type":"object","required":["body"],"properties":{"body":{"type":"object","additionalProperties":true}}},"output":{"type":"object","required":["example"],"properties":{"example":{"type":"object","additionalProperties":true}}}}},"responseSchema":{"type":"json"},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.004","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":"$0.004/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.004","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.004","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_cDWQSv6FAQaTBU5mBDCE0","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.004","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Estimates evidence-supported probability and expected loss for a transaction to support accept/reject decisions","exampleAgentPrompt":"Before we process this $4,200 wire transfer to a new counterparty, can you get a risk score estimating the probability of loss and expected dollar exposure so I can decide whether to approve it?","exampleUseCases":[{"title":"Pre-approval fraud screening for payments","prompt":"We're about to send a $15,000 ACH payment to a vendor we've never paid before — can you run a transaction risk score on it to get the probability of loss and expected exposure before we approve?"},{"title":"E-commerce order risk triage","prompt":"A customer just placed a $3,800 order using a shipping address that doesn't match their billing address — can you estimate the fraud probability and expected loss so I know whether to hold the order for review?"},{"title":"Automated lending disbursement gate","prompt":"Before disbursing this $9,500 loan to a borrower, run a transaction risk assessment and tell me the evidence-backed probability of default and expected loss amount so we can decide whether to proceed."}],"resultDescription":"Returns an evidence-supported risk probability (likelihood of loss or fraud) and an expected loss figure for the transaction, designed to inform accept/reject decisions with traceable reasoning.","failureModes":["Insufficient transaction data provided returns a validation error or low-confidence score","Malformed or missing required fields result in schema rejection","Ambiguous counterparty identifiers may produce low-confidence estimates","Service unavailability returns a 402 or 5xx error","Transactions with no historical signal may yield inconclusive probability estimates"],"whenToPreferThis":"Choose this endpoint when you need an evidence-backed, quantified risk score (probability + expected loss) for a specific transaction before processing or approving it, especially in automated payment pipelines, lending workflows, or fraud triage systems where a numeric risk output with supporting evidence is required for downstream decisioning.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-20T06:56:28.915Z","isFirstParty":false,"canonicalSlug":"transaction-risk-score-742ff963"}