finance.openverbs.com — agent-tools.cloud

Paid verification

No sponsored paid call yet.

Pay this endpoint once from your own wallet (Base USDC, up to $1.00) and we call it and record what came back. Your wallet pays the listed recipient directly; Agent Tools never holds funds. Sponsored checks prove delivery; they do not count as demand.

Quality grade

How grading works

A 90.4 / 100

Availability 40.0 / 40

Endpoint responded (HTTP 402)

Payability 20.0 / 20

✓ Answers a real HTTP 402 challenge
✓ Publishes a /.well-known/x402 descriptor
✓ Payment address on record
✓ Settlement network declared
✓ Price declared

Demand 30.4 / 40

98 distinct payers, 6487 USDC transfers in the last 30 days

Owner verified 0.0 / 3

Nobody has claimed this listing yet

Endpoint last checked 5 h ago. On-chain activity last read 2 d ago. Availability and on-chain demand are both re-probed daily; the grade updates automatically on the next pass. This grade sets search order and leaderboards; the readiness score below is shown for reference only.

x402 readiness

B · 88/100

Readiness is how fully this listing follows its protocol and how it behaved in our probes over 30 days. It is shown for reference and does not move it in search. Search order and leaderboards use the separate quality grade (here A, 90.4/100), which weighs availability, payability and on-chain demand. How the two differ

Valid payment requirements	10/10	Payment requirements carry a payee, a mainnet network and a price.
Live 402 challenge	25/25	Paid endpoint answers with an HTTP 402 challenge (189 ms).
x402 version	n/a	x402 version not observed yet.
Signed descriptor	n/a	No x402 standard defines a signed descriptor.
Uptime (30 days)	15/15	32/32 probes succeeded over 30 days (100%).
Resource declaration	10/10	Declares 6 paid resource(s).
Verified identity	5/10	Publisher descriptor (/.well-known/x402 or OpenAPI) on record; claim this listing to verify domain control.
Freshness + modern flags	1/5	not seen in a source for over 30 days; declares x402.
Security declaration	n/a	Payment is the access control for an x402 resource.

Applicable criteria total 75 points, scaled to 100.

Responsiveness: Responsive (189 ms; bands ≤2.5 s, ≤5 s, ≤8 s, slower; penalty only).

Payment evidence: x402_challenge — We sent a request and got a live HTTP 402 challenge. Also: x402_manifest, bazaar_feed. Qualifies the payment claim; adds no points.

Measured 2026-11-11.

Nine criteria, the same as the A2A readiness score, read from our daily probe of the paid endpoint, its payment requirements and 30-day probe history. Signed descriptor and security declaration are n/a for x402 (payment is the access control), as is an x402 version we have not observed; the remaining points are scaled to 100. Grades: A>=90, B>=75, C>=60, D>=40, F<40. Display only: search order uses the quality grade.

Compared with peers

Against 10,060 reachable x402 APIs in our daily snapshot (2026-11-12 01:39 UTC). Display only; it does not change search order.

Readiness: Higher than 80% of peers; This listing 88 · peer median 78
Latency: Faster than 54% of peers; This listing 189 ms · peer median 205 ms

Where it loses the most points, and how to win them back

Verified identity −5 — Claim the listing and prove control of its domain.
Now: Publisher descriptor (/.well-known/x402 or OpenAPI) on record; claim this listing to verify domain control.
Freshness + modern flags −4 — Keep the listing current in the registry or source it comes from.
Now: not seen in a source for over 30 days; declares x402.

How many agent tools actually work · All statistics

Paid endpoints

6 resource(s) advertised by this origin. Each price below is that resource's own x402 price; the headline price is the range across them.

POST https://finance.openverbs.com/v1/loan

Compute the level monthly payment, total paid and total interest of a fully-amortizing loan. Handles a 0% rate. Set schedule=true to also return the full month-by-month amortization table.

POST https://finance.openverbs.com/v1/interest

Grow a principal by simple or compound interest over a number of years. Compound interest uses compoundsPerYear compounding periods (default 12, monthly).

POST https://finance.openverbs.com/v1/future-value

Future value of a present sum and/or a level annuity, given a per-period rate and number of periods. Set dueAtBeginning=true for an annuity-due (payments at the start of each period).

POST https://finance.openverbs.com/v1/present-value

Present value of a future sum and/or a level annuity, given a per-period rate and number of periods. Set dueAtBeginning=true for an annuity-due.

POST https://finance.openverbs.com/v1/npv

Net present value of a series of cash flows discounted at a per-period rate. cashflows[0] is the time-0 flow (typically the initial outlay, negative).

POST https://finance.openverbs.com/v1/irr

Internal rate of return (per period) of a series of cash flows, solved with a bounded bisection. Requires at least one positive and one negative flow; flows with no sign change or no bracketable root are rejected as a clean 400.

How to call

cURL · x402-fetch / x402-axios will auto-handle 402

curl -sS -i -X POST https://finance.openverbs.com/v1/loan  # expect HTTP 402 Payment Required (about 0.004 USDC/call)

/.well-known/x402.json

https://finance.openverbs.com/.well-known/x402

Listed in

Directories this entry was found in.

cdp-bazaar since 2026-09-05 x402 since 2026-10-10