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financial-analyst.ai

https://financial-analyst.ai
● healthy x402

Multifamily acquisition underwriting — mixed unit mix through a monthly proforma to unlevered AND levered project returns (IRR via XIRR + equity multiple). Stub acquisition month, trailing-NOI exit. Deterministic, Excel-reconciled, SHA-pinned (pass attest=true).

Category
x402
Chains
eip155:8453
Price
$0.2500–$5.0000 USDC

Quality grade

How grading works
A 72.3 / 100
Availability 20.0 / 20
Endpoint responded (HTTP 200)
Payability 15.0 / 15
  • ✓ Answers a real HTTP 402 challenge
  • ✓ Publishes a /.well-known/x402 descriptor
  • ✓ Payment address on record
  • ✓ Settlement network declared
  • ✓ Price declared
Demand 15.1 / 35
24 distinct payers, 309 USDC transfers in the last 30 days; the wallet is shared by 2 listings, so each is credited 1/2
Performance 10.0 / 10
Last probe answered in 177 ms (full marks at 200 ms or less)
Readiness 12.2 / 15
Agent readiness 81/100
Owner verified 0.0 / 5
Nobody has claimed this listing yet
Endpoint last checked 19 h ago. On-chain activity last read 3 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 · 81/100

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, 72.3/100), 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 20/25 Endpoint reachable; its 402 challenge was seen earlier (177 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 17 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 (177 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, catalog_listing. 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. It also feeds 15 points of the x402 quality grade.

Compared with peers

Against 10,082 reachable x402 APIs in our daily snapshot (2026-11-12 06:46 UTC). Display only; it does not change search order.

Readiness
Higher than 60% of peers
This listing 81 · peer median 78
Latency
Faster than 58% of peers
This listing 177 ms · peer median 205 ms

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

  • Live 402 challenge −5 — Answer the paid path with a valid 402 challenge.
    Now: Endpoint reachable; its 402 challenge was seen earlier (177 ms).
  • 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

17 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://financial-analyst.ai/str/underwrite $1.0000 / call

Short-Term Rental (STR) underwriting — quarterly ADR/occupancy drive a monthly proforma to unlevered AND levered project returns (IRR via XIRR + equity multiple). Deterministic, Excel-reconciled, SHA-pinned (pass attest=true).

POST https://financial-analyst.ai/xirr/compute $0.2500 / call

Compute XIRR and MOIC from irregular cash flows with exact dates. Standard for private equity, real estate, and venture return calculations.

POST https://financial-analyst.ai/amortization/schedule $0.2500 / call

Full amortization schedule with monthly payment breakdown, interest-only periods, and payoff date. Supports fixed-rate, bridge, and interest-only loan structures.

POST https://financial-analyst.ai/monte-carlo/simulate $1.0000 / call

Monte Carlo simulation with configurable variable distributions and custom formula. Returns P10/P50/P90 percentiles, mean, histogram, and probability of exceeding a target threshold.

POST https://financial-analyst.ai/fx/pnl $0.2500 / call

FX-adjusted P&L for cross-border transactions. Splits total return into local currency gain and currency impact — essential for international private equity and real estate deals.

POST https://financial-analyst.ai/lbo/model $5.0000 / call

Full leveraged buyout model — sources and uses, debt schedule with cash sweep, operating model, exit, IRR and MOIC with entry/exit multiple sensitivity tables.

POST https://financial-analyst.ai/waterfall/distribute $3.0000 / call

LP/GP waterfall distribution across preferred return, GP catch-up, and multiple promote tiers. Returns LP and GP splits, IRR, MOIC, and per-period cash flow allocation.

POST https://financial-analyst.ai/fix-flip/underwrite $0.5000 / call

Fix-and-flip underwriting — solves backwards from a profit target to max purchase price, sizes the hard-money loan (min of LTC and ARV caps), and returns net profit, CoC, MOIC, and IRR via XIRR. Deterministic, Excel-reconciled across both binding constraints, SHA-pinned (pass attest=true).

POST https://financial-analyst.ai/sfr/underwrite $0.5000 / call

Single-Family Rental (SFR) underwriting — monthly buy-and-hold proforma to unlevered AND levered project returns (IRR via XIRR + equity multiple). Loan-to-cost financing, optional interest-only, appreciation-floored exit. Deterministic, Excel-reconciled, SHA-pinned (pass attest=true).

POST https://financial-analyst.ai/mf-acq/underwrite $1.0000 / call

Multifamily acquisition underwriting — mixed unit mix through a monthly proforma to unlevered AND levered project returns (IRR via XIRR + equity multiple). Stub acquisition month, trailing-NOI exit. Deterministic, Excel-reconciled, SHA-pinned (pass attest=true).

POST https://financial-analyst.ai/mf-dev/underwrite $2.0000 / call

Multifamily development underwriting — construction to hold to exit. Models construction draws (S-curve or straight-line), capitalized interest, lease-up ramp, construction-to-perm refi, and hold period returns. Returns development yield on cost, spread to cap rate, profit on cost, IRR and MOIC.

POST https://financial-analyst.ai/hotel-acq/underwrite $2.0000 / call

Hotel acquisition underwriting — stabilized or bridge-to-perm value-add. Quarterly ADR x occupancy RevPAR build, other/ancillary revenue, PIP capital, construction loan with capitalized interest, permanent loan sized on min(stabilized-value LTV, purchase-price LTV, DSCR), and exit. Returns unlevered

POST https://financial-analyst.ai/hotel-dev/underwrite $2.0000 / call

Ground-up hotel development underwriting. Land + hard costs (S-curve draw) + soft costs + developer fee, funded by a construction loan (LTC) with capitalized interest, refinanced into a permanent loan sized on min(stabilized-value LTV, DSCR) at the CL term. Occupancy begins the month after construct

POST https://financial-analyst.ai/industrial-acq/underwrite $2.0000 / call

Industrial acquisition underwriting — NNN and gross lease multi-tenant. Per-tenant lease modeling with contractual rent bumps and rollover vacancy. Blended OpEx based on NNN vs gross SF mix. Returns cap rate, NOI per SF, WALE, DSCR, IRR and MOIC.

POST https://financial-analyst.ai/industrial-dev/underwrite $2.0000 / call

Industrial ground-up development underwriting — construction to hold to exit. S-curve hard cost draws, blended LTC construction loan, capitalized interest, per-tenant NNN lease stabilization, perm loan sizing, TI/LC reserves on rollover. Returns yield on cost, spread to cap, profit on cost, IRR and

POST https://financial-analyst.ai/dcf/value $1.0000 / call

DCF valuation with exit multiple or Gordon Growth terminal value. Returns enterprise value, equity value, implied share price, and WACC vs exit multiple sensitivity matrix.

POST https://financial-analyst.ai/debt-sizing/size $0.2500 / call

Debt sizing across CRE, private equity, or project finance. Runs every applicable constraint — DSCR, LTV, debt yield, leverage, interest coverage, or LLCR — and sizes to the binding test.

How to call

cURL · x402-fetch / x402-axios will auto-handle 402
curl -sS -i -X GET https://financial-analyst.ai  # expect HTTP 402 Payment Required (about 0.25 USDC/call)
/.well-known/x402.json
https://financial-analyst.ai/.well-known/x402

Listed in

Directories this entry was found in.

cdp-bazaar since 2026-06-05 paygent-discover since 2026-07-04 x402 since 2026-10-08