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Tollbooth

payment-readyonline

payment-ready until 2026-10-23

Tollbooth · 59 verified tax, finance, lending, real-estate, retirement, investing, crypto and business calculators for AI agents, paid per call in USDC on Base mainnet (no account, no API key; $0.01–$1.00 per call via the Coinbase CDP facilitator).

Call it x402 v2

x402 v2

Base URL
https://x402toll.com
Payment
x402 v2, header channel
$ curl -i -X POST 'https://x402toll.com/v1/business/entity-compare'

An unpaid request returns HTTP 402 with the payment terms. Sign a payment authorization, then retry with the PAYMENT-SIGNATURE header.

Endpoints 59 paid routes on x402toll.com

POST/v1/business/entity-compareBase$0.10since 08-24
POST/v1/business/s-corp-salaryBase$0.10since 08-24
POST/v1/commerce/break-evenBase$0.05since 07-17
POST/v1/commerce/discountBase$0.02since 07-17
POST/v1/commerce/marginBase$0.02since 07-17
POST/v1/commerce/marketplace-feeBase$0.05since 07-17
POST/v1/commerce/order-totalBase$0.02since 07-17
POST/v1/commerce/processor-feeBase$0.02since 07-17

51 more in Example 402 response

Prices as captured in the 402 response: median $0.05 across the 59 endpoints.

Example 402 response

Endpoints and prices

Current paid endpoints; minimum quoted prices in USD where available; first capture dates in UTC
MethodPathDescriptionPriceNetworkAsset402 channelCaptured
POST/v1/business/entity-compareTotal 2026 federal tax as a sole proprietor / LLC vs S-corp vs C-corp for the same profit · SE tax vs FICA vs 21% corporate tax with qualified-dividend double taxation · ranked to the lowest.$0.10BaseUSDCheadersince 08-24
POST/v1/business/s-corp-salaryS-corp reasonable-salary employment-tax saving: SE tax a sole proprietor pays on all profit vs FICA an S-corp pays on just the salary, with the distribution that escapes self-employment tax.$0.10BaseUSDCheadersince 08-24
POST/v1/commerce/break-evenBreak-even units and revenue (CVP): where contribution margin covers fixed costs.$0.05BaseUSDCheadersince 07-17
POST/v1/commerce/discountSale price after one or more stacked percentage discounts (applied sequentially, not summed) plus an optional flat amount off.$0.02BaseUSDCheadersince 07-17
POST/v1/commerce/marginMargin, markup, and profit from cost · give cost plus any one of price, target margin %, or markup %, and it solves the rest.$0.02BaseUSDCheadersince 07-17
POST/v1/commerce/marketplace-feeSeller fees and net payout for Amazon, eBay, and Etsy at their verified 2026 standard fee schedules (Amazon referral %, eBay final value fee, Etsy listing + transaction + processing).$0.05BaseUSDCheadersince 07-17
POST/v1/commerce/order-totalOrder total from subtotal, discount, tax rate, and shipping · tax excludes shipping by default (toggle with taxShipping).$0.02BaseUSDCheadersince 07-17
POST/v1/commerce/processor-feePayment-processor fee and net received for Stripe, PayPal, and Square at their verified 2026 standard US rates · or reverse gross-up (what to charge to net a target).$0.02BaseUSDCheadersince 07-17
POST/v1/commerce/roiROI %, ROAS, profit, and profit margin from revenue and cost (e.g. ad spend).$0.02BaseUSDCheadersince 07-17
POST/v1/commerce/sales-taxUS sales tax · add or remove tax using the verified 2026 STATE base rate for any state + DC, plus an optional local rate. Flags gross-receipts states (HI/NM) and local-only states (AK).$0.05BaseUSDCheadersince 07-17
POST/v1/commerce/tip-splitTip amount, total, and per-person split for a restaurant bill.$0.01BaseUSDCheadersince 07-17
POST/v1/commerce/vat-gstVAT / GST for 16 major economies (UK, EU, Australia, Canada, Japan, Singapore, UAE, India, and more) at the verified 2026 standard rate · add or remove.$0.05BaseUSDCheadersince 07-17
POST/v1/crypto/apr-apyConvert between APR and APY at any compounding frequency (or continuous).$0.02BaseUSDCheadersince 07-17
POST/v1/crypto/impermanent-lossImpermanent loss for a 50/50 constant-product LP position vs simply holding, given the price change of the volatile asset.$0.05BaseUSDCheadersince 07-17
POST/v1/crypto/liquidation-priceLiquidation price for a leveraged long or short (isolated margin), plus the % move to liquidation.$0.05BaseUSDCheadersince 07-17
POST/v1/crypto/tax-lotsMatch a crypto sale against buy lots (FIFO / LIFO / HIFO), returning realized gain/loss split short- vs long-term (IRS >365-day rule) plus the remaining lots.$0.25BaseUSDCheadersince 07-17
POST/v1/crypto/yield-compareRank up to 10 stablecoin/yield options by projected return over a horizon at each stated APY.$0.05BaseUSDCheadersince 07-17
POST/v1/investing/bond-yieldBond current yield and yield-to-maturity from face value, coupon, market price, and maturity · with the premium/discount/par classification.$0.05BaseUSDCheadersince 08-24
POST/v1/investing/npv-irrNet present value and internal rate of return for a cash-flow series (index 0 = today, usually a negative outlay), plus the profitability index and an accept/reject call.$0.05BaseUSDCheadersince 08-24
POST/v1/lending/amortizationAmortized monthly payment, total interest, and a year-by-year balance schedule for any loan.$0.05BaseUSDCheadersince 07-17
POST/v1/lending/aprTrue APR (Reg Z / TILA) from the note rate plus financed fees · the real cost of borrowing.$0.05BaseUSDCheadersince 07-17
POST/v1/lending/auto-loanAuto-loan payment including state sales tax (verified 2026 rates), trade-in credit, down payment, and fees.$0.05BaseUSDCheadersince 07-17
POST/v1/lending/compareCompare 2–6 loan offers by true total cost (payments + fees) and rank them.$0.05BaseUSDCheadersince 07-17
POST/v1/lending/dtiDebt-to-income ratio · front-end and back-end · with pass/fail against your (or the conventional 28/36) limits.$0.02BaseUSDCheadersince 07-17
POST/v1/lending/extra-paymentHow much time and interest an extra monthly payment saves on a loan.$0.05BaseUSDCheadersince 07-17
POST/v1/lending/helocHELOC payments: interest-only during the draw period and the amortizing payment when repayment begins (the payment jump).$0.05BaseUSDCheadersince 07-17
POST/v1/lending/mortgage-paymentFull monthly mortgage payment (PITI): principal & interest, property tax, insurance, PMI (auto when LTV > 80%), and HOA.$0.05BaseUSDCheadersince 07-17
POST/v1/lending/mortgage-pointsWhether buying discount points pays off: monthly savings from the rate buydown and the break-even month.$0.05BaseUSDCheadersince 07-17
POST/v1/lending/refinanceRefinance analysis: new payment, monthly savings, months to break even on closing costs, and lifetime interest saved.$0.05BaseUSDCheadersince 07-17
POST/v1/llc-costLLC formation cost for any US state + DC: filing fee, annual/biennial report, franchise tax, publication requirements · Year-1 and 5-year totals from each state's own 2026 fee schedule.$0.05BaseUSDCheadersince 07-17
POST/v1/mortgage-affordabilitySelf-employed mortgage affordability: 2-year income averaging with add-backs, the declining-income rule, front/back DTI limits, PMI-aware max-price solve.$0.05BaseUSDCheadersince 07-17
POST/v1/paycheckUS net-paycheck breakdown for any of 51 jurisdictions: 2026 federal brackets, FICA (SS wage base $184,500, additional Medicare), and state income tax. Golden-vector verified.$0.05BaseUSDCheadersince 07-17
POST/v1/realestate/affordabilityMax home price a W-2 buyer can afford from income and debts, using front/back DTI limits and a PMI-aware price solve.$0.05BaseUSDCheadersince 07-17
POST/v1/realestate/armAdjustable-rate mortgage payment shock: the payment before and after the first reset, and the increase.$0.05BaseUSDCheadersince 07-17
POST/v1/realestate/cap-rateRental property returns: cap rate (unleveraged), cash-on-cash (leveraged), gross rent multiplier, and the 1% rule.$0.05BaseUSDCheadersince 07-17
POST/v1/realestate/pmiMonthly PMI cost and the month it auto-cancels (at 78% of original value, per the Homeowners Protection Act).$0.05BaseUSDCheadersince 07-17
POST/v1/realestate/rent-vs-buyRent vs buy over a horizon: year-by-year renting cost vs net cost of owning (crediting equity + appreciation, net of selling costs), with the break-even year.$0.25BaseUSDCheadersince 07-17
POST/v1/reports/capital-gains-scenarioMulti-year capital-gains plan: realize a long-term gain all at once vs spread it evenly across N years, with the federal tax for each path (2026 0/15/20% long-term bands + the 3.8% NIIT) and the tax saved by spreading · the signed record an investor or agent uses to pick when to realize gains.$1.00BaseUSDCheadersince 08-24
POST/v1/reports/debt-planFull debt-payoff report: avalanche vs snowball simulated month-by-month with debt rollover · payoff order, debt-free month, total interest, and the exact gap between strategies.$0.25BaseUSDCheadersince 07-17
POST/v1/reports/llc-50-stateAll 51 US jurisdictions ranked by true 5-year LLC cost · filing, reports, franchise taxes, publication requirements · with per-state notes.$0.50BaseUSDCheadersince 07-17
POST/v1/reports/mortgage-qualificationSelf-employed mortgage qualification worksheet: 2-year-average (or declining-income) qualifying income with add-backs, front/back DTI limits, the max home price you qualify for, and the full monthly PITI (principal, interest, tax, insurance, PMI, HOA) at that price. The flagship engine, as an agent-callable signed report.$1.00BaseUSDCheadersince 08-24
POST/v1/reports/quarterly-packageQuarterly estimated-tax package (Form 1040-ES): derives your current-year total tax (federal income + self-employment + FICA + state) from income, applies the safe harbor (lesser of 90% current or 100%/110% prior-year tax), and returns the four equal 2026 installments net of withholding with their due dates.$1.00BaseUSDCheadersince 08-24
POST/v1/reports/relocation-paycheckThe same salary across all 51 US jurisdictions, ranked by net take-home · the relocation what-if in one call, with per-state tax detail and the best-to-worst annual spread.$1.00BaseUSDCheadersince 07-17
POST/v1/reports/retirement-readinessRetirement-readiness projection: your savings grown to retirement age, the nest egg the 4%-rule requires for your target income, the surplus or gap, and the extra monthly contribution to close it.$1.00BaseUSDCheadersince 08-24
POST/v1/reports/tax-estimateFull 2026 tax estimate in one call: federal income tax + self-employment tax + employee FICA + state income tax, from wages, self-employment income, and other income · with the component breakdown, effective and marginal rates, and after-tax income.$1.00BaseUSDCheadersince 08-24
POST/v1/retirement/401k401(k) contribution vs the 2026 limits (incl. age 50+ and 60–63 catch-ups) plus the employer match, capped at the §415(c) total.$0.05BaseUSDCheadersince 07-17
POST/v1/retirement/hsa-fsa2026 HSA or health-FSA contribution limit and income-tax savings · HSA self/family limits + age-55 catch-up + HDHP deductible/OOP bounds, or the FSA salary-reduction limit + carryover.$0.05BaseUSDCheadersince 07-17
POST/v1/retirement/ira-limits2026 IRA / Roth contribution limit for your situation · including the Roth MAGI phase-out and traditional-deduction phase-out (if covered by a workplace plan).$0.05BaseUSDCheadersince 07-17
POST/v1/retirement/rmdRequired Minimum Distribution from a traditional IRA/401(k) using the IRS Uniform Lifetime Table · the amount you must withdraw at your age, given the prior year-end balance. RMDs begin at 73 (SECURE 2.0).$0.10BaseUSDCheadersince 07-17
POST/v1/retirement/roth-conversionFederal tax cost of a Roth conversion in one year: the extra income tax from stacking the converted amount on top of your other taxable income, with the marginal rate before and after.$0.10BaseUSDCheadersince 07-17
POST/v1/retirement/social-securitySocial Security monthly benefit estimate from your AIME: the 2026 PIA bend-point formula plus the claim-age adjustment (62 pays 70%, FRA 67 pays 100%, 70 pays 124%).$0.25BaseUSDCheadersince 07-17
POST/v1/tax/1099-vs-w2Take-home comparison of the same pay as a W-2 employee vs a 1099 contractor · employee FICA vs self-employment tax (with the half-SE deduction) · and the higher contractor rate needed to match.$0.10BaseUSDCheadersince 07-17
POST/v1/tax/bonusWithholding and net take-home on a bonus/commission using the 2026 federal supplemental-wage rate (22% flat; 37% on cumulative supplemental wages over $1M), plus FICA and an optional state supplemental rate.$0.05BaseUSDCheadersince 07-17
POST/v1/tax/capital-gainsFederal capital-gains tax: long-term stacked across the 2026 0%/15%/20% breakpoints, short-term at ordinary marginal rates, plus the 3.8% Net Investment Income Tax.$0.10BaseUSDCheadersince 07-17
POST/v1/tax/estimatedQuarterly estimated-tax safe harbor (Form 1040-ES): the required annual payment and per-quarter amount to avoid an underpayment penalty.$0.10BaseUSDCheadersince 07-17
POST/v1/tax/federal-incomeFederal income tax on ordinary income for 2026: AGI from gross minus above-the-line adjustments, standard or itemized deduction, the 2026 brackets, and a flat nonrefundable credit amount. Distinct from /v1/paycheck (which nets FICA + state per pay period).$0.05BaseUSDCheadersince 07-17
POST/v1/tax/overtimeFLSA overtime pay: regular and overtime hours, the overtime rate, and gross pay for a week · federal 1.5× over 40 hours by default, any threshold/multiplier configurable.$0.02BaseUSDCheadersince 07-17
POST/v1/tax/self-employmentSelf-employment (SE) tax on Schedule C net profit · Social Security to the 2026 $184,500 wage base, Medicare, Additional Medicare, and the deductible half.$0.05BaseUSDCheadersince 07-17
POST/v1/tax/state-incomeStandalone 2026 state income tax for any of 51 US jurisdictions · progressive/flat/no-tax schedules, MFJ doubling · applied to the income you provide.$0.05BaseUSDCheadersince 07-17

Payment evidence

402 payload captured at . Check evidence JSON · Measurement methodology.

First of 59 payloads captured by the monitor.

23 lines, scroll inside

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/investing/npv-irr",
    "mimeType": "",
    "description": "Net present value and internal rate of return for a cash-flow series (index 0 = today, usually a negative outlay), plus the profitability index and an accept/reject call."
  },
  "x402Version": 2
}
Other captured 402 responses (58)

Captured payload 2 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/investing/bond-yield",
    "mimeType": "",
    "description": "Bond current yield and yield-to-maturity from face value, coupon, market price, and maturity — with the premium/discount/par classification."
  },
  "x402Version": 2
}

Captured payload 3 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "100000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/business/s-corp-salary",
    "mimeType": "",
    "description": "S-corp reasonable-salary employment-tax saving: SE tax a sole proprietor pays on all profit vs FICA an S-corp pays on just the salary, with the distribution that escapes self-employment tax."
  },
  "x402Version": 2
}

Captured payload 4 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "100000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/business/entity-compare",
    "mimeType": "",
    "description": "Total 2026 federal tax as a sole proprietor / LLC vs S-corp vs C-corp for the same profit — SE tax vs FICA vs 21% corporate tax with qualified-dividend double taxation — ranked to the lowest."
  },
  "x402Version": 2
}

Captured payload 5 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "1000000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/reports/tax-estimate",
    "mimeType": "",
    "description": "Full 2026 tax estimate in one call: federal income tax + self-employment tax + employee FICA + state income tax, from wages, self-employment income, and other income — with the component breakdown, effective and marginal rates, and after-tax income."
  },
  "x402Version": 2
}

Captured payload 6 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "1000000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/reports/retirement-readiness",
    "mimeType": "",
    "description": "Retirement-readiness projection: your savings grown to retirement age, the nest egg the 4%-rule requires for your target income, the surplus or gap, and the extra monthly contribution to close it."
  },
  "x402Version": 2
}

Captured payload 7 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "1000000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/reports/mortgage-qualification",
    "mimeType": "",
    "description": "Self-employed mortgage qualification worksheet: 2-year-average (or declining-income) qualifying income with add-backs, front/back DTI limits, the max home price you qualify for, and the full monthly PITI (principal, interest, tax, insurance, PMI, HOA) at that price. The flagship engine, as an agent-callable signed report."
  },
  "x402Version": 2
}

Captured payload 8 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "1000000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/reports/quarterly-package",
    "mimeType": "",
    "description": "Quarterly estimated-tax package (Form 1040-ES): derives your current-year total tax (federal income + self-employment + FICA + state) from income, applies the safe harbor (lesser of 90% current or 100%/110% prior-year tax), and returns the four equal 2026 installments net of withholding with their due dates."
  },
  "x402Version": 2
}

Captured payload 9 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "1000000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/reports/capital-gains-scenario",
    "mimeType": "",
    "description": "Multi-year capital-gains plan: realize a long-term gain all at once vs spread it evenly across N years, with the federal tax for each path (2026 0/15/20% long-term bands + the 3.8% NIIT) and the tax saved by spreading — the signed record an investor or agent uses to pick when to realize gains."
  },
  "x402Version": 2
}

Captured payload 10 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "500000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/reports/llc-50-state",
    "mimeType": "",
    "description": "All 51 US jurisdictions ranked by true 5-year LLC cost — filing, reports, franchise taxes, publication requirements — with per-state notes."
  },
  "x402Version": 2
}

Captured payload 11 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/retirement/hsa-fsa",
    "mimeType": "",
    "description": "2026 HSA or health-FSA contribution limit and income-tax savings — HSA self/family limits + age-55 catch-up + HDHP deductible/OOP bounds, or the FSA salary-reduction limit + carryover."
  },
  "x402Version": 2
}

Captured payload 12 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/crypto/impermanent-loss",
    "mimeType": "",
    "description": "Impermanent loss for a 50/50 constant-product LP position vs simply holding, given the price change of the volatile asset."
  },
  "x402Version": 2
}

Captured payload 13 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "20000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/tax/overtime",
    "mimeType": "",
    "description": "FLSA overtime pay: regular and overtime hours, the overtime rate, and gross pay for a week — federal 1.5× over 40 hours by default, any threshold/multiplier configurable."
  },
  "x402Version": 2
}

Captured payload 14 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "100000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/tax/capital-gains",
    "mimeType": "",
    "description": "Federal capital-gains tax: long-term stacked across the 2026 0%/15%/20% breakpoints, short-term at ordinary marginal rates, plus the 3.8% Net Investment Income Tax."
  },
  "x402Version": 2
}

Captured payload 15 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "20000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/commerce/order-total",
    "mimeType": "",
    "description": "Order total from subtotal, discount, tax rate, and shipping — tax excludes shipping by default (toggle with taxShipping)."
  },
  "x402Version": 2
}

Captured payload 16 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "100000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/tax/1099-vs-w2",
    "mimeType": "",
    "description": "Take-home comparison of the same pay as a W-2 employee vs a 1099 contractor — employee FICA vs self-employment tax (with the half-SE deduction) — and the higher contractor rate needed to match."
  },
  "x402Version": 2
}

Captured payload 17 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/lending/extra-payment",
    "mimeType": "",
    "description": "How much time and interest an extra monthly payment saves on a loan."
  },
  "x402Version": 2
}

Captured payload 18 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/realestate/affordability",
    "mimeType": "",
    "description": "Max home price a W-2 buyer can afford from income and debts, using front/back DTI limits and a PMI-aware price solve."
  },
  "x402Version": 2
}

Captured payload 19 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/crypto/liquidation-price",
    "mimeType": "",
    "description": "Liquidation price for a leveraged long or short (isolated margin), plus the % move to liquidation."
  },
  "x402Version": 2
}

Captured payload 20 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/realestate/cap-rate",
    "mimeType": "",
    "description": "Rental property returns: cap rate (unleveraged), cash-on-cash (leveraged), gross rent multiplier, and the 1% rule."
  },
  "x402Version": 2
}

Captured payload 21 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "250000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/retirement/social-security",
    "mimeType": "",
    "description": "Social Security monthly benefit estimate from your AIME: the 2026 PIA bend-point formula plus the claim-age adjustment (62 pays 70%, FRA 67 pays 100%, 70 pays 124%)."
  },
  "x402Version": 2
}

Captured payload 22 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/realestate/pmi",
    "mimeType": "",
    "description": "Monthly PMI cost and the month it auto-cancels (at 78% of original value, per the Homeowners Protection Act)."
  },
  "x402Version": 2
}

Captured payload 23 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "20000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/crypto/apr-apy",
    "mimeType": "",
    "description": "Convert between APR and APY at any compounding frequency (or continuous)."
  },
  "x402Version": 2
}

Captured payload 24 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/paycheck",
    "mimeType": "",
    "description": "US net-paycheck breakdown for any of 51 jurisdictions: 2026 federal brackets, FICA (SS wage base $184,500, additional Medicare), and state income tax. Golden-vector verified."
  },
  "x402Version": 2
}

Captured payload 25 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "1000000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/reports/relocation-paycheck",
    "mimeType": "",
    "description": "The same salary across all 51 US jurisdictions, ranked by net take-home — the relocation what-if in one call, with per-state tax detail and the best-to-worst annual spread."
  },
  "x402Version": 2
}

Captured payload 26 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/tax/self-employment",
    "mimeType": "",
    "description": "Self-employment (SE) tax on Schedule C net profit — Social Security to the 2026 $184,500 wage base, Medicare, Additional Medicare, and the deductible half."
  },
  "x402Version": 2
}

Captured payload 27 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/tax/federal-income",
    "mimeType": "",
    "description": "Federal income tax on ordinary income for 2026: AGI from gross minus above-the-line adjustments, standard or itemized deduction, the 2026 brackets, and a flat nonrefundable credit amount. Distinct from /v1/paycheck (which nets FICA + state per pay period)."
  },
  "x402Version": 2
}

Captured payload 28 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/lending/mortgage-payment",
    "mimeType": "",
    "description": "Full monthly mortgage payment (PITI): principal & interest, property tax, insurance, PMI (auto when LTV > 80%), and HOA."
  },
  "x402Version": 2
}

Captured payload 29 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "100000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/retirement/rmd",
    "mimeType": "",
    "description": "Required Minimum Distribution from a traditional IRA/401(k) using the IRS Uniform Lifetime Table — the amount you must withdraw at your age, given the prior year-end balance. RMDs begin at 73 (SECURE 2.0)."
  },
  "x402Version": 2
}

Captured payload 30 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/commerce/sales-tax",
    "mimeType": "",
    "description": "US sales tax — add or remove tax using the verified 2026 STATE base rate for any state + DC, plus an optional local rate. Flags gross-receipts states (HI/NM) and local-only states (AK)."
  },
  "x402Version": 2
}

Captured payload 31 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "10000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/commerce/tip-split",
    "mimeType": "",
    "description": "Tip amount, total, and per-person split for a restaurant bill."
  },
  "x402Version": 2
}

Captured payload 32 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "250000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/reports/debt-plan",
    "mimeType": "",
    "description": "Full debt-payoff report: avalanche vs snowball simulated month-by-month with debt rollover — payoff order, debt-free month, total interest, and the exact gap between strategies."
  },
  "x402Version": 2
}

Captured payload 33 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/crypto/yield-compare",
    "mimeType": "",
    "description": "Rank up to 10 stablecoin/yield options by projected return over a horizon at each stated APY."
  },
  "x402Version": 2
}

Captured payload 34 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/tax/bonus",
    "mimeType": "",
    "description": "Withholding and net take-home on a bonus/commission using the 2026 federal supplemental-wage rate (22% flat; 37% on cumulative supplemental wages over $1M), plus FICA and an optional state supplemental rate."
  },
  "x402Version": 2
}

Captured payload 35 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/lending/heloc",
    "mimeType": "",
    "description": "HELOC payments: interest-only during the draw period and the amortizing payment when repayment begins (the payment jump)."
  },
  "x402Version": 2
}

Captured payload 36 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/mortgage-affordability",
    "mimeType": "",
    "description": "Self-employed mortgage affordability: 2-year income averaging with add-backs, the declining-income rule, front/back DTI limits, PMI-aware max-price solve."
  },
  "x402Version": 2
}

Captured payload 37 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/lending/refinance",
    "mimeType": "",
    "description": "Refinance analysis: new payment, monthly savings, months to break even on closing costs, and lifetime interest saved."
  },
  "x402Version": 2
}

Captured payload 38 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "20000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/commerce/processor-fee",
    "mimeType": "",
    "description": "Payment-processor fee and net received for Stripe, PayPal, and Square at their verified 2026 standard US rates — or reverse gross-up (what to charge to net a target)."
  },
  "x402Version": 2
}

Captured payload 39 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/llc-cost",
    "mimeType": "",
    "description": "LLC formation cost for any US state + DC: filing fee, annual/biennial report, franchise tax, publication requirements — Year-1 and 5-year totals from each state's own 2026 fee schedule."
  },
  "x402Version": 2
}

Captured payload 40 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/retirement/ira-limits",
    "mimeType": "",
    "description": "2026 IRA / Roth contribution limit for your situation — including the Roth MAGI phase-out and traditional-deduction phase-out (if covered by a workplace plan)."
  },
  "x402Version": 2
}

Captured payload 41 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/tax/state-income",
    "mimeType": "",
    "description": "Standalone 2026 state income tax for any of 51 US jurisdictions — progressive/flat/no-tax schedules, MFJ doubling — applied to the income you provide."
  },
  "x402Version": 2
}

Captured payload 42 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/lending/auto-loan",
    "mimeType": "",
    "description": "Auto-loan payment including state sales tax (verified 2026 rates), trade-in credit, down payment, and fees."
  },
  "x402Version": 2
}

Captured payload 43 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/lending/compare",
    "mimeType": "",
    "description": "Compare 2–6 loan offers by true total cost (payments + fees) and rank them."
  },
  "x402Version": 2
}

Captured payload 44 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "20000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/commerce/margin",
    "mimeType": "",
    "description": "Margin, markup, and profit from cost — give cost plus any one of price, target margin %, or markup %, and it solves the rest."
  },
  "x402Version": 2
}

Captured payload 45 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "100000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/retirement/roth-conversion",
    "mimeType": "",
    "description": "Federal tax cost of a Roth conversion in one year: the extra income tax from stacking the converted amount on top of your other taxable income, with the marginal rate before and after."
  },
  "x402Version": 2
}

Captured payload 46 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/lending/apr",
    "mimeType": "",
    "description": "True APR (Reg Z / TILA) from the note rate plus financed fees — the real cost of borrowing."
  },
  "x402Version": 2
}

Captured payload 47 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "250000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/realestate/rent-vs-buy",
    "mimeType": "",
    "description": "Rent vs buy over a horizon: year-by-year renting cost vs net cost of owning (crediting equity + appreciation, net of selling costs), with the break-even year."
  },
  "x402Version": 2
}

Captured payload 48 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "100000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/tax/estimated",
    "mimeType": "",
    "description": "Quarterly estimated-tax safe harbor (Form 1040-ES): the required annual payment and per-quarter amount to avoid an underpayment penalty."
  },
  "x402Version": 2
}

Captured payload 49 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/commerce/vat-gst",
    "mimeType": "",
    "description": "VAT / GST for 16 major economies (UK, EU, Australia, Canada, Japan, Singapore, UAE, India, and more) at the verified 2026 standard rate — add or remove."
  },
  "x402Version": 2
}

Captured payload 50 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/retirement/401k",
    "mimeType": "",
    "description": "401(k) contribution vs the 2026 limits (incl. age 50+ and 60–63 catch-ups) plus the employer match, capped at the §415(c) total."
  },
  "x402Version": 2
}

Captured payload 51 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "20000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/commerce/roi",
    "mimeType": "",
    "description": "ROI %, ROAS, profit, and profit margin from revenue and cost (e.g. ad spend)."
  },
  "x402Version": 2
}

Captured payload 52 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/commerce/marketplace-fee",
    "mimeType": "",
    "description": "Seller fees and net payout for Amazon, eBay, and Etsy at their verified 2026 standard fee schedules (Amazon referral %, eBay final value fee, Etsy listing + transaction + processing)."
  },
  "x402Version": 2
}

Captured payload 53 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "20000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/lending/dti",
    "mimeType": "",
    "description": "Debt-to-income ratio — front-end and back-end — with pass/fail against your (or the conventional 28/36) limits."
  },
  "x402Version": 2
}

Captured payload 54 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "20000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/commerce/discount",
    "mimeType": "",
    "description": "Sale price after one or more stacked percentage discounts (applied sequentially, not summed) plus an optional flat amount off."
  },
  "x402Version": 2
}

Captured payload 55 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/realestate/arm",
    "mimeType": "",
    "description": "Adjustable-rate mortgage payment shock: the payment before and after the first reset, and the increase."
  },
  "x402Version": 2
}

Captured payload 56 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/lending/mortgage-points",
    "mimeType": "",
    "description": "Whether buying discount points pays off: monthly savings from the rate buydown and the break-even month."
  },
  "x402Version": 2
}

Captured payload 57 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/lending/amortization",
    "mimeType": "",
    "description": "Amortized monthly payment, total interest, and a year-by-year balance schedule for any loan."
  },
  "x402Version": 2
}

Captured payload 58 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "50000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/commerce/break-even",
    "mimeType": "",
    "description": "Break-even units and revenue (CVP): where contribution margin covers fixed costs."
  },
  "x402Version": 2
}

Captured payload 59 of 59

{
  "error": "Payment required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
      "amount": "250000",
      "scheme": "exact",
      "network": "eip155:8453",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://x402toll.com/v1/crypto/tax-lots",
    "mimeType": "",
    "description": "Match a crypto sale against buy lots (FIFO / LIFO / HIFO), returning realized gain/loss split short- vs long-term (IRS >365-day rule) plus the remaining lots."
  },
  "x402Version": 2
}

Can I trust it score from our own monitoring

score from our own monitoring

86/100 Solid

#23 of 110 in Finance. Bands: strong 93+, solid 75+, mixed 55+, weak below 55.

Reliability
99.9% uptime 30d
Compliance
A 14/14 checks pass
Price
$0.01 to $1.00 p49 in Finance
Risk
clean no risk flag
Traction
$0.17 30d 8 buyers, top buyer 29% (address, not entity)
14/14 compliance checks
  • 402 payload captured
  • accepts[] array present
  • payTo address recoverable
  • payTo at accepts[0].payTo (conformant shape)
  • payTo is a valid on-chain address
  • atomic price declared
  • atomic price in a sane range
  • asset (token) address declared
  • network resolves to CAIP-2
  • payment scheme declared
  • served over HTTPS
  • declares the current x402 version (2)
  • EIP-712 domain parameters present on every EVM entry
  • x402 v2 envelope delivered in the payment-required header

402 terms unchanged since 2026-08-24. Last up 2026-10-16.

── Site signals

  • homepage reachable
  • openapi doc
  • pricing page
  • llms.txt
  • robots.txt
  • terms page
How the score works

What the score read on this service: status online, 99.9% uptime 30d, 91ms response p95, x402 compliance 14 of 14, $0.01 price against the category, on-chain traction measured. Each of those is measured, and each is published in full below.

The score comes from our own monitoring, never from reviews, operator claims, or a language model: reliability, x402 compliance, price against the category, a deterministic risk flag, and a small on-chain traction term, weighted by ranking generation 3. It is not placement anyone can buy: the paid verify tier is reported beside it and is not one of its inputs. Every component below stays published and read-only.

Bands on the 0 to 100 measured score: strong at 93 and above, solid from 75, mixed from 55, weak below 55. Price and speed are scored against the whole category field, every listing in it that carries no danger flag, the scored service included, so the score places a service in its own field.

It is a score inside Finance, and only there: price and speed are scored against the whole category field, every listing in it that carries no danger flag, the scored service included, which here means 110 listings, this one among them: the same 110 the position above is counted against. When the two differ, the field is the wider one, because a listing we have measured too little of to rank still sits in the field the price and the speed are normalized over. The same service in a different field would read differently. The same engine answers GET /api/v1/best, and asked for a different pool (the whole directory, or another filter) it returns a different number for this service under this same ranking generation. Neither is more correct: they answer different questions, and the methodology states which is which.

Settled via coinbase ($0.17, 13 tx). Traction is a conservative undercount; first settlement seen 2026-07-12.

All measured facts

What it does

Tollbooth · 59 verified tax, finance, lending, real-estate, retirement, investing, crypto and business calculators for AI agents, paid per call in USDC on Base mainnet (no account, no API key; $0.01–$1.00 per call via the Coinbase CDP facilitator). Every answer ships a formula/method trace, cited sources with a 2026 data-vintage stamp, and a reproducible SHA-256 hash over the RFC 8785 (JCS) canonical fixed point {endpoint, inputs, result, method, dataVintage} that any client re-derives for free with POST /v1/verify-hash · recompute the math instead of trusting the server. Free golden-vector self-checks at /v1/golden/:id publish expected inputs, results, and hashes. Optional paid tier: Ed25519-signed audit-grade Verification Receipt (POST /v1/receipt/:id · $1 per call, $5 per report; a normal paid answer does not include it). Tollbooth authors Golden-Vector Provenance (GVP), a single-author draft provenance spec (Apache-2.0 code / CC-BY-4.0 spec): the npm package golden-vector-provenance is published (v0.7.0, matching git tag v0.7.0), and a spec PR carrying the field is under public review at x402-foundation/x402#3304 (discussion #3234). Payment-rail-agnostic by construction: the fixed point binds the question and the answer, not the settlement rail. Also a free neutral verifier for any service's response (POST /v1/gvp/check).

Tollbooth is a listed x402 Finance API. Captured payment terms name Base. Monitoring and settlement figures below describe the observations available to this directory; an unpaid HTTP 402 check does not prove that a paid call will deliver.

Assessment computed at . Latest service check observed at . Service data JSON · Measurement methodology.

Page rendered at . This response time is separate from the observation and computation times attached to each measurement.

Latest endpoint observation: . Latest price capture: . Prices are recorded quotes, not a promise of availability. Token assets and payment terms are listed separately. Endpoint data JSON · Price history JSON · Measurement methodology.

Assessment computed at . Uptime uses the stated daily-rollup window; response times are in milliseconds, compliance is passed/evaluated checks, and traction is a measured settlement floor. The comparison score is out of 100 within this category. Assessment JSON · Measurement methodology.

Observed daily coverage: 2026-09-17 to 2026-10-16 UTC. Daily monitoring and settlement rollups do not expose their computation time; a bucket date is not an update timestamp. Latest settlement in the assessment: . Uptime and response JSON · Volume JSON · Buyers JSON · Measurement methodology.

Ranked from the measured category pool, refreshed at most once a minute. The comparison has no persisted computation timestamp; the assessment time above belongs to this service only. Ranking API documentation · Ranking methodology.

x402 List home · Services · Finance

uptime · latest daily rollup
100%
uptime 7d
99.7%
uptime 30d
99.9%
uptime 90d
100%
response p95
91ms
avg response
104ms
total checks
2,776

Measured on the unpaid 402 handshake, not the paid call. A service can 402 correctly and still fail after payment.

price (min)
$0.01
price (max)
$1.00
category percentile (min)
p49 in Finance
category percentile (max)
p84 in Finance
endpoints / prices
59 / 7
model
tiered
stability
100%

No deterministic risk flag. Risk fires only on an exact blocklist match, or a reserved-brand name with a mismatched verified payTo. Never from low uptime, a high price, or a model guess.

domain age
91d
registrar
HOSTINGER operations, UAB
hosting
custom
domain created
2026-07-12

Identity facts, not a risk score.

assessment volume 30d
$0.17
exact assessment volume 30d (USD)
0.17
assessment recorded at (UTC)
2026-10-15T23:53:04.155Z
buyers 30d
8
settlements 30d
13
measured since
2026-07-12 (start of our harvest window)
last settlement
2026-10-15
top buyer share
29% of 30d volume (address, not entity)
top 3 buyers share
64% of 30d volume (addresses, not entities)
concentrated volume
no
trend 7d vs 30d
2.02x the 30d daily rate
networks
eip155:8453
volume all-time
$8.74
settlements all-time
85
median settlement 30d
$0.01
max settlement 30d
$0.05

Assessment volume uses the latest 30d assessment. Over time sums daily address snapshots, rounded to cents and refreshed separately. The two sources can differ in timing, precision and shared-address attribution. Amounts use cents for comparison; known sub-cent values keep up to 12 significant digits. The exact stored assessment value is shown above.

Conservative undercount: only USDC settlements via facilitators we measure are counted. A measured floor, not an estimate.

Top buyer share lowers the on-chain traction part of the ranking score behind this page's verdict and /best, by up to half when one address holds all 30d volume. The Recommended and Highest volume sorts of the services list do not use it; they use the Concentrated volume rule instead.

member since
2026-07-17
Recent checks
Latest 18 unpaid HTTP checks, newest first; response times in milliseconds, observation times in UTC
Checked at (UTC)StatusHTTPResponseEndpoints
Online40244ms59
Online40247ms59
Online40267ms59
Online40250ms59
Online40246ms59
Online40271ms59
Online40252ms59
Online40249ms59
Online40299ms59
Online40291ms59
Online40293ms59
Online402112ms59
Online40291ms59
Online40293ms59
Online40282ms59
Online40291ms59
Online40248ms59
Online402103ms59

Changes0 in 30d

No changes recorded in the last 30 days.

all changes

Over time

On-chain volume daily snapshots, USD 30d: $0.17, peak $0.05 on 10-13
volume no data in the payload
Distinct buyers per dayDistinct buyers per day
Uptime 1 of 29 completed days below 100%
uptime below 100%, to scale
Volume 30d
$0.17
Uptime
1 of 29 completed days below 100%
Daily on-chain settlement volume in US dollars, 2026-09-17 to 2026-10-16; highest day $0.05 on 10-13; 20 days have no data in the payload; distinct buyers per day
More charts
Response time daily average, ms min 44ms, avg 102ms, max 275ms

09-17 to 10-16* UTC

Scores over time

x402 compliance low 14/14, high 14/14

09-17 to 10-16* UTC

Price percentile in Finance own low to high; exact values below

09-17 to 10-16* UTC

Site signals present (of 6) own low to high; exact values below

09-17 to 10-16* UTC

Scores: one day per column, 09-17 to 10-16*, on the columns of Response time. Uptime held below 100% on some days in this window, including any partial day. Daily readings remain in the Uptime strip and Values. The checklist grew from 11 to 14 checks on 2026-07-28, before this window. Pillar lines use their own low and high. Exact dated readings are available in each readout and in Values.

Each series spans only the dates it has data for. Every series is also served as JSON at /api/v1/services/tollbooth/price, /scores, /volume and /buyers.

Values

* today so far, partial (UTC).

The uptime summary counts completed UTC days only. The strip, readouts and table retain today's partial reading.

Daily snapshot total, 30d: $0.17, peak $0.05 on 10-13. The visible 30d total in Traction comes from the latest assessment. These sources can differ in their window, refresh time, cent rounding and shared-address attribution.

Daily address snapshots: 2026-09-17 to 2026-10-16 UTC; * today so far, partial (UTC). Daily snapshots store cents. A recorded $0.00 with settlements cannot distinguish exact zero from volume rounded away. Lost precision is unavailable here.

Settlement volume uses the stored USD valuation of tracked payments; it is distinct from token quantities. USD-pegged assets are valued at 1 USD per token in these rollups. The measured settlement floor does not cover all payments to this service.

Assessment history last recorded at . Each UTC day uses its last recorded run; missing readings stay unmeasured. Assessment history JSON · Measurement methodology.

Daily values, 2026-09-17 to 2026-10-16: address settlement volume in USD, distinct buyer and settlement counts, uptime percent, average response milliseconds, compliance passed/total, price percentile 0-100, site signals out of 6; UTC dates
DayVolumeBuyersSettlementsUptimeResponseCompliancePrice percentileSite signals
2026-09-17$0.0111100%95.12ms14/14p483/6
2026-09-18no datano datano data100%124.86ms14/14p483/6
2026-09-19no datano datano data100%98.97ms14/14p483/6
2026-09-20no datano datano data100%103.88ms14/14p483/6
2026-09-21no datano datano data100%107.77ms14/14p473/6
2026-09-22no datano datano data100%275.00ms14/14p473/6
2026-09-23no datano datano data100%78.34ms14/14p473/6
2026-09-24$0.0313100%43.61ms14/14p473/6
2026-09-25$0.0111100%49.60ms14/14p473/6
2026-09-26no datano datano data100%53.98ms14/14p463/6
2026-09-27no datano datano data100%82.64ms14/14p463/6
2026-09-28no datano datano data100%96.50ms14/14p473/6
2026-09-29$0.0212100%87.62ms14/14p483/6
2026-09-30no datano datano data100%94.64ms14/14p483/6
2026-10-01no datano datano data100%78.86ms14/14p483/6
2026-10-02$0.0111100%84.62ms14/14p483/6
2026-10-03no datano datano data100%98.36ms14/14p483/6
2026-10-04no datano datano data100%100.10ms14/14p463/6
2026-10-05no datano datano data100%126.16ms14/14p483/6
2026-10-06no datano datano data100%162.34ms14/14p493/6
2026-10-07no datano datano data100%201.54ms14/14p493/6
2026-10-08$0.0111100%131.27ms14/14p503/6
2026-10-09$0.0111100%121.37ms14/14p503/6
2026-10-10no datano datano data100%99.84ms14/14p493/6
2026-10-11$0.0111100%86.66ms14/14p493/6
2026-10-12no datano datano data100%103.19ms14/14p493/6
2026-10-13$0.0511100%83.09ms14/14p493/6
2026-10-14no datano datano data97.78%54.24ms14/14p493/6
2026-10-15$0.0111100%53.21ms14/14p493/6
2026-10-16*no datano datano data100%74.64msno datano datano data

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5 of 109 other ranked services in Finance, ordered by the same measured score.

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