56 verified financial, tax & legal calculators for AI agents — pay-per-call in USDC on Base. Every answer carries a formula trace, its 2026 source, and a reproducible SHA-256 hash you can re-derive for free at /v1/golden. Neutral /v1/verify + open Golden-Vector Provenance spec.
Pay from $0.01 to $1.00 in USDC on Base, settled onchain via the x402 protocol, no signup, no API key needed.
UPTIME 24H 100% │ 7D 100% │ 30D 100%
ASSESSMENT
updated 3h agoEvidence-backed signals, not a single score. Click any chip for the proof. Measured values stay read-only; unknown is honest.
reliability 100%
- uptime 24h
- -
- uptime 7d
- -
- uptime 30d
- -
- uptime 90d
- -
- response p95
- 59ms
- avg response
- 59ms
- total checks
- 1
compliance A (11/12)
11 of 12 x402 conformance checks pass. Full checklist below.
price $0.01 to $1.00 (p56 in Finance)
- price (min)
- $0.01
- price (max)
- $1.00
- category percentile (min)
- p56 in Finance
- category percentile (max)
- p84 in Finance
- endpoints / prices
- 50 / 7
- model
- tiered
- stability
- 100%
risk clean
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.
WHAT IT DOES
ai-derivedProvides financial calculators for various purposes including commerce, crypto, lending, real estate, retirement, and tax calculations.
- category
- financial-calculators
- in
- body
- auth
- none
AI-generated summary. The measured data is never altered by it.
ENDPOINTS
| METHOD | PATH | DESCRIPTION | PRICE | NETWORK | ASSET |
|---|---|---|---|---|---|
| POST | /v1/commerce/break-even | $0.05 | Base | USDC | |
| POST | /v1/commerce/discount | $0.02 | Base | USDC | |
| POST | /v1/commerce/margin | $0.02 | Base | USDC | |
| POST | /v1/commerce/marketplace-fee | $0.05 | Base | USDC | |
| POST | /v1/commerce/order-total | $0.02 | Base | USDC | |
| POST | /v1/commerce/processor-fee | $0.02 | Base | USDC | |
| POST | /v1/commerce/roi | $0.02 | Base | USDC | |
| POST | /v1/commerce/sales-tax | $0.05 | Base | USDC | |
| POST | /v1/commerce/tip-split | $0.01 | Base | USDC | |
| POST | /v1/commerce/vat-gst | $0.05 | Base | USDC | |
| POST | /v1/crypto/apr-apy | $0.02 | Base | USDC | |
| POST | /v1/crypto/impermanent-loss | $0.05 | Base | USDC | |
| POST | /v1/crypto/liquidation-price | $0.05 | Base | USDC | |
| POST | /v1/crypto/tax-lots | $0.25 | Base | USDC | |
| POST | /v1/crypto/yield-compare | $0.05 | Base | USDC | |
| POST | /v1/lending/amortization | $0.05 | Base | USDC | |
| POST | /v1/lending/apr | $0.05 | Base | USDC | |
| POST | /v1/lending/auto-loan | $0.05 | Base | USDC | |
| POST | /v1/lending/compare | $0.05 | Base | USDC | |
| POST | /v1/lending/dti | $0.02 | Base | USDC | |
| POST | /v1/lending/extra-payment | $0.05 | Base | USDC | |
| POST | /v1/lending/heloc | $0.05 | Base | USDC | |
| POST | /v1/lending/mortgage-payment | $0.05 | Base | USDC | |
| POST | /v1/lending/mortgage-points | $0.05 | Base | USDC | |
| POST | /v1/lending/refinance | $0.05 | Base | USDC | |
| POST | /v1/llc-cost | $0.05 | Base | USDC | |
| POST | /v1/mortgage-affordability | $0.05 | Base | USDC | |
| POST | /v1/paycheck | $0.05 | Base | USDC | |
| POST | /v1/realestate/affordability | $0.05 | Base | USDC | |
| POST | /v1/realestate/arm | $0.05 | Base | USDC | |
| POST | /v1/realestate/cap-rate | $0.05 | Base | USDC | |
| POST | /v1/realestate/pmi | $0.05 | Base | USDC | |
| POST | /v1/realestate/rent-vs-buy | $0.25 | Base | USDC | |
| POST | /v1/reports/debt-plan | $0.25 | Base | USDC | |
| POST | /v1/reports/llc-50-state | $0.50 | Base | USDC | |
| POST | /v1/reports/relocation-paycheck | $1.00 | Base | USDC | |
| POST | /v1/retirement/401k | $0.05 | Base | USDC | |
| POST | /v1/retirement/hsa-fsa | $0.05 | Base | USDC | |
| POST | /v1/retirement/ira-limits | $0.05 | Base | USDC | |
| POST | /v1/retirement/rmd | $0.10 | Base | USDC | |
| POST | /v1/retirement/roth-conversion | $0.10 | Base | USDC | |
| POST | /v1/retirement/social-security | $0.25 | Base | USDC | |
| POST | /v1/tax/1099-vs-w2 | $0.10 | Base | USDC | |
| POST | /v1/tax/bonus | $0.05 | Base | USDC | |
| POST | /v1/tax/capital-gains | $0.10 | Base | USDC | |
| POST | /v1/tax/estimated | $0.10 | Base | USDC | |
| POST | /v1/tax/federal-income | $0.05 | Base | USDC | |
| POST | /v1/tax/overtime | $0.02 | Base | USDC | |
| POST | /v1/tax/self-employment | $0.05 | Base | USDC | |
| POST | /v1/tax/state-income | $0.05 | Base | USDC |
50 endpoints
REQUEST / RESPONSE EXAMPLE
An unpaid request to POST /v1/commerce/break-even returns HTTP 402 with the payment terms. Settle onchain via your facilitator, then retry with the X-Payment header.
// request
curl -i -X POST 'https://x402toll.com/v1/commerce/break-even'
// 402 response (captured by monitor) · 50 payloads · click to expand
[
{
"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 $184,500, additional Medicare), and state income tax. Golden-vector verified."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"state": "TX",
"salary": 85000,
"filingStatus": "single",
"payFrequency": "biweekly"
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"inputs": {
"state": "TX",
"salary": 85000,
"filingStatus": "single",
"payFrequency": "biweekly"
},
"medicare": 1232.5,
"stateTax": 0,
"totalTax": 16372.5,
"ficaTotal": 6502.5,
"netAnnual": 68627.5,
"stateName": "Texas",
"federalTax": 9870,
"netPerCheck": 2639.52,
"stateTaxType": "No state income tax",
"periodsPerYear": 26,
"socialSecurity": 5270,
"effectiveRatePct": 19.26,
"additionalMedicare": 0,
"federalMarginalRatePct": 22
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"salary",
"state"
],
"properties": {
"state": {
"type": "string",
"description": "2-letter US state/DC code"
},
"salary": {
"type": "number",
"maximum": 10000000,
"minimum": 0
},
"filingStatus": {
"enum": [
"single",
"mfj"
],
"type": "string",
"default": "single"
},
"payFrequency": {
"enum": [
"weekly",
"biweekly",
"semimonthly",
"monthly"
],
"type": "string",
"default": "biweekly"
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"inputs": {
"type": "object"
},
"medicare": {
"type": "number"
},
"stateTax": {
"type": "number"
},
"totalTax": {
"type": "number"
},
"ficaTotal": {
"type": "number"
},
"netAnnual": {
"type": "number"
},
"stateName": {
"type": "string"
},
"federalTax": {
"type": "number"
},
"netPerCheck": {
"type": "number"
},
"stateTaxType": {
"type": "string"
},
"periodsPerYear": {
"type": "number"
},
"socialSecurity": {
"type": "number"
},
"effectiveRatePct": {
"type": "number"
},
"additionalMedicare": {
"type": "number"
},
"federalMarginalRatePct": {
"type": "number"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"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."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"addBacks": 0,
"termYears": 30,
"backDTIPct": 36,
"monthlyHOA": 0,
"pmiRatePct": 0.6,
"downPayment": 0,
"frontDTIPct": 28,
"monthlyDebts": 0,
"propertyTaxPct": 1.1,
"year1NetIncome": 1,
"year2NetIncome": 1,
"annualInsurance": 1500,
"interestRatePct": 6.5
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"inputs": {
"ab": 0,
"bd": 36,
"dp": 0,
"fd": 28,
"ir": 6.5,
"md": 0,
"tm": 30,
"tx": 1.1,
"y1": 1,
"y2": 1,
"hoa": 0,
"ins": 1500,
"pmi": 0.6
},
"ltvPct": 0,
"maxPrice": 0,
"backLimit": 0.03,
"frontLimit": 0.02,
"incomeRule": "2-year average",
"loanAmount": 0,
"monthlyPMI": 0,
"pmiRequired": false,
"monthlyInsurance": 125,
"monthlyPropertyTax": 0,
"allowedHousingBudget": 0.02,
"qualifyingMonthlyIncome": 0.08,
"monthlyPrincipalInterest": 0
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"year1NetIncome",
"year2NetIncome"
],
"properties": {
"addBacks": {
"type": "number",
"default": 0
},
"termYears": {
"enum": [
15,
20,
30
],
"type": "number",
"default": 30
},
"backDTIPct": {
"type": "number",
"default": 36
},
"monthlyHOA": {
"type": "number",
"default": 0
},
"pmiRatePct": {
"type": "number",
"default": 0.6
},
"downPayment": {
"type": "number",
"default": 0
},
"frontDTIPct": {
"type": "number",
"default": 28
},
"monthlyDebts": {
"type": "number",
"default": 0
},
"propertyTaxPct": {
"type": "number",
"default": 1.1
},
"year1NetIncome": {
"type": "number"
},
"year2NetIncome": {
"type": "number"
},
"annualInsurance": {
"type": "number",
"default": 1500
},
"interestRatePct": {
"type": "number",
"default": 6.5
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"inputs": {
"type": "object"
},
"ltvPct": {
"type": "number"
},
"maxPrice": {
"type": "number"
},
"backLimit": {
"type": "number"
},
"frontLimit": {
"type": "number"
},
"incomeRule": {
"type": "string"
},
"loanAmount": {
"type": "number"
},
"monthlyPMI": {
"type": "number"
},
"pmiRequired": {
"type": "boolean"
},
"monthlyInsurance": {
"type": "number"
},
"monthlyPropertyTax": {
"type": "number"
},
"allowedHousingBudget": {
"type": "number"
},
"qualifyingMonthlyIncome": {
"type": "number"
},
"monthlyPrincipalInterest": {
"type": "number"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"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."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"state": "DE"
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"inputs": {
"state": "DE",
"azExempt": true,
"nycMetro": true,
"registeredAgent": false
},
"filingFee": 110,
"otherNote": "—",
"reportFee": 0,
"stateName": "Delaware",
"year1Total": 410,
"fiveYearTotal": 1610,
"franchiseFlat": 300,
"franchiseNote": "Flat $300/yr tax, due Jun 1, all LLCs regardless of income; $200 penalty + 1.5%/mo interest if late",
"publicationCost": 0,
"reportFrequency": "None required",
"registeredAgentAnnual": 0
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"state"
],
"properties": {
"state": {
"type": "string",
"description": "2-letter US state/DC code"
},
"azExempt": {
"type": "boolean",
"default": true
},
"nycMetro": {
"type": "boolean",
"default": true
},
"registeredAgent": {
"type": "boolean",
"default": false
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"inputs": {
"type": "object"
},
"filingFee": {
"type": "number"
},
"otherNote": {
"type": "string"
},
"reportFee": {
"type": "number"
},
"stateName": {
"type": "string"
},
"year1Total": {
"type": "number"
},
"fiveYearTotal": {
"type": "number"
},
"franchiseFlat": {
"type": "number"
},
"franchiseNote": {
"type": "string"
},
"publicationCost": {
"type": "number"
},
"reportFrequency": {
"type": "string"
},
"registeredAgentAnnual": {
"type": "number"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"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."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"debts": [
{
"apr": 1,
"balance": 1,
"minPayment": 1
}
],
"extraMonthly": 0
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"inputs": {
"debts": [
{
"apr": 1,
"name": "Debt 1",
"balance": 1,
"minPayment": 1
}
],
"extraMonthly": 0
},
"snowball": {
"capped": false,
"months": 1,
"payoffOrder": [
{
"debt": "Debt 1",
"month": 1
}
],
"balanceSeries": [
1,
0
],
"monthlyBudget": 1,
"totalInterest": 0,
"startingBalance": 1
},
"warnings": [],
"avalanche": {
"capped": false,
"months": 1,
"payoffOrder": [
{
"debt": "Debt 1",
"month": 1
}
],
"balanceSeries": [
1,
0
],
"monthlyBudget": 1,
"totalInterest": 0,
"startingBalance": 1
},
"monthsSaved": 0,
"interestSaved": 0,
"recommendation": "Both strategies cost the same here — choose snowball for faster psychological wins (smallest balance first).",
"recommendedStrategy": "avalanche"
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"debts"
],
"properties": {
"debts": {
"type": "array",
"items": {
"type": "object",
"required": [
"balance",
"apr",
"minPayment"
],
"properties": {
"apr": {
"type": "number"
},
"name": {
"type": "string"
},
"balance": {
"type": "number"
},
"minPayment": {
"type": "number"
}
}
},
"maxItems": 8,
"minItems": 1
},
"extraMonthly": {
"type": "number",
"default": 0
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"inputs": {
"type": "object"
},
"snowball": {
"type": "object"
},
"warnings": {
"type": "array"
},
"avalanche": {
"type": "object"
},
"monthsSaved": {
"type": "number"
},
"interestSaved": {
"type": "number"
},
"recommendation": {
"type": "string"
},
"recommendedStrategy": {
"type": "string"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"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."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"registeredAgent": false
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"inputs": {
"registeredAgent": false
},
"jurisdictions": 51,
"cheapestFiveYear": "Arizona",
"mostExpensiveFiveYear": "California",
"rankedByFiveYearTotal": [
{
"rank": 1,
"inputs": {
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"azExempt": true,
"nycMetro": true,
"registeredAgent": false
},
"filingFee": 50,
"otherNote": "Publication required outside Maricopa/Pima County",
"reportFee": 0,
"stateName": "Arizona",
"year1Total": 50,
"fiveYearTotal": 50,
"franchiseFlat": 0,
"franchiseNote": "None",
"publicationCost": 0,
"reportFrequency": "None required",
"registeredAgentAnnual": 0
},
{
"rank": 2,
"inputs": {
"state": "MS",
"azExempt": true,
"nycMetro": true,
"registeredAgent": false
},
"filingFee": 50,
"otherNote": "—",
"reportFee": 0,
"stateName": "Mississippi",
"year1Total": 50,
"fiveYearTotal": 50,
"franchiseFlat": 0,
"franchiseNote": "None",
"publicationCost": 0,
"reportFrequency": "Annual",
"registeredAgentAnnual": 0
}
]
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"properties": {
"registeredAgent": {
"type": "boolean",
"default": false
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"inputs": {
"type": "object"
},
"jurisdictions": {
"type": "number"
},
"cheapestFiveYear": {
"type": "string"
},
"mostExpensiveFiveYear": {
"type": "string"
},
"rankedByFiveYearTotal": {
"type": "array"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"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."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"salary": 1,
"filingStatus": "single",
"payFrequency": "biweekly"
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"inputs": {
"salary": 1,
"filingStatus": "single",
"payFrequency": "biweekly"
},
"bestState": "Alaska",
"worstState": "Minnesota",
"jurisdictions": 51,
"rankedByNetAnnual": [
{
"rank": 1,
"state": "AK",
"stateTax": 0,
"netAnnual": 0.92,
"stateName": "Alaska",
"netPerCheck": 0.04,
"effectiveRatePct": 7.65
},
{
"rank": 2,
"state": "DE",
"stateTax": 0,
"netAnnual": 0.92,
"stateName": "Delaware",
"netPerCheck": 0.04,
"effectiveRatePct": 7.65
}
],
"annualSpreadBestToWorst": 0.05
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"salary"
],
"properties": {
"salary": {
"type": "number"
},
"filingStatus": {
"enum": [
"single",
"mfj"
],
"type": "string",
"default": "single"
},
"payFrequency": {
"enum": [
"weekly",
"biweekly",
"semimonthly",
"monthly"
],
"type": "string",
"default": "biweekly"
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"inputs": {
"type": "object"
},
"bestState": {
"type": "string"
},
"worstState": {
"type": "string"
},
"jurisdictions": {
"type": "number"
},
"rankedByNetAnnual": {
"type": "array"
},
"annualSpreadBestToWorst": {
"type": "number"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"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."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"lots": [
{
"qty": 1,
"date": "2024-01-01",
"priceUsd": 30000
},
{
"qty": 1,
"date": "2025-06-01",
"priceUsd": 40000
}
],
"sale": {
"qty": 1,
"date": "2025-07-01",
"priceUsd": 50000
},
"method": "fifo"
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"note": "Realized gain/loss only — apply the capital-gains-tax tool for the tax owed. Not tax advice.",
"inputs": {
"sale": {
"qty": 1,
"date": "2025-07-01",
"priceUsd": 50000
},
"method": "fifo"
},
"proceeds": 50000,
"costBasis": 30000,
"totalGain": 20000,
"matchedLots": [
{
"qty": 1,
"gain": 20000,
"term": "long",
"lotDate": "2024-01-01",
"heldDays": 547,
"lotPriceUsd": 30000
}
],
"longTermGain": 20000,
"remainingLots": [
{
"qty": 1,
"date": "2025-06-01",
"priceUsd": 40000
}
],
"shortTermGain": 0
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"lots",
"sale"
],
"properties": {
"lots": {
"type": "array",
"items": {
"type": "object",
"required": [
"qty",
"priceUsd",
"date"
],
"properties": {
"qty": {
"type": "number"
},
"date": {
"type": "string"
},
"priceUsd": {
"type": "number"
}
}
},
"maxItems": 200,
"minItems": 1
},
"sale": {
"type": "object",
"required": [
"qty",
"priceUsd",
"date"
],
"properties": {
"qty": {
"type": "number"
},
"date": {
"type": "string"
},
"priceUsd": {
"type": "number"
}
}
},
"method": {
"enum": [
"fifo",
"lifo",
"hifo"
],
"type": "string",
"default": "fifo"
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"note": {
"type": "string"
},
"inputs": {
"type": "object"
},
"proceeds": {
"type": "number"
},
"costBasis": {
"type": "number"
},
"totalGain": {
"type": "number"
},
"matchedLots": {
"type": "array"
},
"longTermGain": {
"type": "number"
},
"remainingLots": {
"type": "array"
},
"shortTermGain": {
"type": "number"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"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."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"currentPrice": 200,
"initialPrice": 100
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"note": "Loss is relative to simply holding the two assets; fees/rewards are not included.",
"inputs": {
"currentPrice": 200,
"initialPrice": 100,
"positionValueUsd": 0
},
"priceRatio": 2,
"valueVsHodlPct": 94.2809,
"dollarLossVsHodl": 0,
"impermanentLossPct": -5.7191
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"initialPrice",
"currentPrice"
],
"properties": {
"currentPrice": {
"type": "number"
},
"initialPrice": {
"type": "number"
},
"positionValueUsd": {
"type": "number",
"default": 0
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"note": {
"type": "string"
},
"inputs": {
"type": "object"
},
"priceRatio": {
"type": "number"
},
"valueVsHodlPct": {
"type": "number"
},
"dollarLossVsHodl": {
"type": "number"
},
"impermanentLossPct": {
"type": "number"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"error": "Payment required",
"accepts": [
{
"asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
"extra": {
"name": "USD Coin",
"version": "2"
},
"payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
"amount": "20000",
"scheme": "exact",
"network": "eip155:8453",
"maxTimeoutSeconds": 120
}
],
"resource": {
"url": "https://x402toll.com/v1/crypto/apr-apy",
"mimeType": "",
"description": "Convert between APR and APY at any compounding frequency (or continuous)."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"ratePct": 1,
"direction": "apr_to_apy",
"compounding": "periodic",
"compoundsPerYear": 12
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"apyPct": 1.004596,
"inputs": {
"ratePct": 1,
"direction": "apr_to_apy",
"compounding": 12
}
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
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],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"ratePct"
],
"properties": {
"ratePct": {
"type": "number"
},
"direction": {
"enum": [
"apr_to_apy",
"apy_to_apr"
],
"type": "string",
"default": "apr_to_apy"
},
"compounding": {
"enum": [
"periodic",
"continuous"
],
"type": "string",
"default": "periodic"
},
"compoundsPerYear": {
"type": "number",
"default": 12
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"apyPct": {
"type": "number"
},
"inputs": {
"type": "object"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"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."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"side": "long",
"leverage": 10,
"entryPrice": 100,
"maintenanceMarginRatePct": 0.5
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"note": "Isolated margin, excludes funding and trading fees; real venues liquidate slightly earlier.",
"inputs": {
"side": "long",
"leverage": 10,
"entryPrice": 100,
"maintenanceMarginRatePct": 0.5
},
"liquidationPrice": 90.5,
"priceMoveToLiquidationPct": -9.5
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"entryPrice",
"leverage"
],
"properties": {
"side": {
"enum": [
"long",
"short"
],
"type": "string",
"default": "long"
},
"leverage": {
"type": "number"
},
"entryPrice": {
"type": "number"
},
"maintenanceMarginRatePct": {
"type": "number",
"default": 0.5
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"note": {
"type": "string"
},
"inputs": {
"type": "object"
},
"liquidationPrice": {
"type": "number"
},
"priceMoveToLiquidationPct": {
"type": "number"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"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."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"years": 1,
"options": [
{
"apyPct": 1
}
],
"principalUsd": 1
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"best": "option 1",
"note": "Projection uses each stated APY as the effective annual yield; excludes fees, depeg, and smart-contract risk.",
"inputs": {
"years": 1,
"principalUsd": 1
},
"ranked": [
{
"name": "option 1",
"apyPct": 1,
"interestEarned": 0.01,
"projectedValue": 1.01
}
],
"spreadBestVsWorst": 0
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"principalUsd",
"options"
],
"properties": {
"years": {
"type": "number",
"default": 1
},
"options": {
"type": "array",
"items": {
"type": "object",
"required": [
"apyPct"
],
"properties": {
"name": {
"type": "string"
},
"apyPct": {
"type": "number"
}
}
},
"maxItems": 10,
"minItems": 1
},
"principalUsd": {
"type": "number"
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"best": {
"type": "string"
},
"note": {
"type": "string"
},
"inputs": {
"type": "object"
},
"ranked": {
"type": "array"
},
"spreadBestVsWorst": {
"type": "number"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"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 $184,500 wage base, Medicare, Additional Medicare, and the deductible half."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"netProfit": 100000
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
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"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"inputs": {
"type": "object"
},
"tipAmount": {
"type": "number"
},
"perPersonTip": {
"type": "number"
},
"totalWithTip": {
"type": "number"
},
"perPersonTotal": {
"type": "number"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"error": "Payment required",
"accepts": [
{
"asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
"extra": {
"name": "USD Coin",
"version": "2"
},
"payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
"amount": "50000",
"scheme": "exact",
"network": "eip155:8453",
"maxTimeoutSeconds": 120
}
],
"resource": {
"url": "https://x402toll.com/v1/commerce/break-even",
"mimeType": "",
"description": "Break-even units and revenue (CVP): where contribution margin covers fixed costs."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"fixedCosts": 10000,
"pricePerUnit": 50,
"variableCostPerUnit": 30
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"inputs": {
"fixedCosts": 10000,
"pricePerUnit": 50,
"variableCostPerUnit": 30
},
"breakEvenUnits": 500,
"breakEvenRevenue": 25000,
"breakEvenUnitsExact": 500,
"contributionMarginPct": 40,
"contributionMarginPerUnit": 20
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"fixedCosts",
"pricePerUnit",
"variableCostPerUnit"
],
"properties": {
"fixedCosts": {
"type": "number"
},
"pricePerUnit": {
"type": "number"
},
"variableCostPerUnit": {
"type": "number"
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"inputs": {
"type": "object"
},
"breakEvenUnits": {
"type": "number"
},
"breakEvenRevenue": {
"type": "number"
},
"breakEvenUnitsExact": {
"type": "number"
},
"contributionMarginPct": {
"type": "number"
},
"contributionMarginPerUnit": {
"type": "number"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"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)."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"shipping": 0,
"subtotal": 1,
"taxRatePct": 0,
"taxShipping": false
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"tax": 0,
"total": 1,
"inputs": {
"discount": 0,
"shipping": 0,
"subtotal": 1,
"taxRatePct": 0,
"taxShipping": false
},
"shipping": 0,
"discountedSubtotal": 1
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"subtotal"
],
"properties": {
"shipping": {
"type": "number",
"default": 0
},
"subtotal": {
"type": "number"
},
"taxRatePct": {
"type": "number",
"default": 0
},
"discountPct": {
"type": "number"
},
"taxShipping": {
"type": "boolean",
"default": false
},
"discountAmount": {
"type": "number"
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"tax": {
"type": "number"
},
"total": {
"type": "number"
},
"inputs": {
"type": "object"
},
"shipping": {
"type": "number"
},
"discountedSubtotal": {
"type": "number"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"error": "Payment required",
"accepts": [
{
"asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
"extra": {
"name": "USD Coin",
"version": "2"
},
"payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
"amount": "20000",
"scheme": "exact",
"network": "eip155:8453",
"maxTimeoutSeconds": 120
}
],
"resource": {
"url": "https://x402toll.com/v1/commerce/roi",
"mimeType": "",
"description": "ROI %, ROAS, profit, and profit margin from revenue and cost (e.g. ad spend)."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"cost": 1,
"revenue": 1
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"roas": 1,
"inputs": {
"cost": 1,
"revenue": 1
},
"profit": 0,
"roiPct": 0,
"profitMarginPct": 0
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"revenue",
"cost"
],
"properties": {
"cost": {
"type": "number"
},
"revenue": {
"type": "number"
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"roas": {
"type": "number"
},
"inputs": {
"type": "object"
},
"profit": {
"type": "number"
},
"roiPct": {
"type": "number"
},
"profitMarginPct": {
"type": "number"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"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)."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"state": "TX",
"amount": 100
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"tax": 6.25,
"note": "State base rate only; local rates vary by jurisdiction. Not tax advice.",
"notes": [],
"total": 106.25,
"inputs": {
"mode": "add",
"state": "TX",
"amount": 100,
"localRatePct": 0
},
"preTaxAmount": 100,
"stateRatePct": 6.25,
"combinedRatePct": 6.25
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"state",
"amount"
],
"properties": {
"mode": {
"enum": [
"add",
"remove"
],
"type": "string",
"default": "add"
},
"state": {
"type": "string",
"description": "2-letter US state/DC code"
},
"amount": {
"type": "number"
},
"localRatePct": {
"type": "number",
"default": 0
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"tax": {
"type": "number"
},
"note": {
"type": "string"
},
"notes": {
"type": "array"
},
"total": {
"type": "number"
},
"inputs": {
"type": "object"
},
"preTaxAmount": {
"type": "number"
},
"stateRatePct": {
"type": "number"
},
"combinedRatePct": {
"type": "number"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"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."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"amount": 100,
"country": "GB"
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"vat": 20,
"note": "Standard rate only; reduced rates and place-of-supply rules vary. Not tax advice.",
"gross": 120,
"inputs": {
"mode": "add",
"amount": 100,
"country": "GB"
},
"ratePct": 20,
"netAmount": 100,
"countryName": "United Kingdom (VAT)"
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"country",
"amount"
],
"properties": {
"mode": {
"enum": [
"add",
"remove"
],
"type": "string",
"default": "add"
},
"amount": {
"type": "number"
},
"country": {
"type": "string",
"description": "ISO country code, e.g. GB, DE, AU, SG, IN"
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"vat": {
"type": "number"
},
"note": {
"type": "string"
},
"gross": {
"type": "number"
},
"inputs": {
"type": "object"
},
"ratePct": {
"type": "number"
},
"netAmount": {
"type": "number"
},
"countryName": {
"type": "string"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"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)."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"mode": "net",
"amount": 1,
"processor": "stripe"
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"fee": 0.33,
"note": "Standard published US card-not-present rate; negotiated/interchange-plus, plan tiers, and international/FX add-ons differ.",
"feePct": 2.9,
"inputs": {
"mode": "net",
"amount": 1,
"processor": "stripe"
},
"feeFixed": 0.3,
"netReceived": 0.67,
"processorLabel": "Stripe — standard online"
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"amount"
],
"properties": {
"mode": {
"enum": [
"net",
"gross-up"
],
"type": "string",
"default": "net"
},
"amount": {
"type": "number"
},
"processor": {
"enum": [
"stripe",
"paypal-checkout",
"paypal-standard",
"square-online",
"square-inperson",
"square-keyed"
],
"type": "string",
"default": "stripe"
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"fee": {
"type": "number"
},
"note": {
"type": "string"
},
"feePct": {
"type": "number"
},
"inputs": {
"type": "object"
},
"feeFixed": {
"type": "number"
},
"netReceived": {
"type": "number"
},
"processorLabel": {
"type": "string"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"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)."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"salePrice": 1,
"marketplace": "amazon",
"shippingCharged": 0
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"note": "Standard published fees; category/plan/promoted-listing fees vary. Excludes optional ad and closing fees.",
"inputs": {
"salePrice": 1,
"marketplace": "amazon",
"shippingCharged": 0
},
"breakdown": {
"referralFee": 0.3,
"referralPct": 15,
"minReferralApplied": true
},
"netPayout": 0.7,
"totalFees": 0.3,
"totalCollected": 1,
"marketplaceLabel": "Amazon (referral, 15% common; 5–45% by category)"
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"marketplace",
"salePrice"
],
"properties": {
"salePrice": {
"type": "number"
},
"marketplace": {
"enum": [
"amazon",
"ebay",
"etsy"
],
"type": "string",
"default": "amazon"
},
"referralPct": {
"type": "number",
"description": "Amazon only — override the 15% default for your category"
},
"shippingCharged": {
"type": "number",
"default": 0
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"note": {
"type": "string"
},
"inputs": {
"type": "object"
},
"breakdown": {
"type": "object"
},
"netPayout": {
"type": "number"
},
"totalFees": {
"type": "number"
},
"totalCollected": {
"type": "number"
},
"marketplaceLabel": {
"type": "string"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"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."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"apr": 6,
"loanAmount": 100000,
"termMonths": 360
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"inputs": {
"apr": 6,
"loanAmount": 100000,
"termMonths": 360
},
"totalPaid": 215838.19,
"totalInterest": 115838.19,
"monthlyPayment": 599.55,
"yearlyBalances": [
{
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{
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"balance": 97468.24,
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]
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
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],
"properties": {
"input": {
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"required": [
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"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"loanAmount",
"apr",
"termMonths"
],
"properties": {
"apr": {
"type": "number"
},
"loanAmount": {
"type": "number"
},
"termMonths": {
"type": "number"
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"inputs": {
"type": "object"
},
"totalPaid": {
"type": "number"
},
"totalInterest": {
"type": "number"
},
"monthlyPayment": {
"type": "number"
},
"yearlyBalances": {
"type": "array"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
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},
{
"error": "Payment required",
"accepts": [
{
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},
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"scheme": "exact",
"network": "eip155:8453",
"maxTimeoutSeconds": 120
}
],
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"description": "Full monthly mortgage payment (PITI): principal & interest, property tax, insurance, PMI (auto when LTV > 80%), and HOA."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"apr": 6,
"homePrice": 300000,
"downPayment": 60000
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"inputs": {
"apr": 6,
"homePrice": 300000,
"termMonths": 360,
"downPayment": 60000
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"loanAmount": 240000,
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"pmiRequired": false,
"totalMonthly": 1438.92,
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}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
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],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"homePrice",
"apr"
],
"properties": {
"apr": {
"type": "number"
},
"homePrice": {
"type": "number"
},
"monthlyHOA": {
"type": "number",
"default": 0
},
"pmiRatePct": {
"type": "number",
"default": 0
},
"termMonths": {
"type": "number",
"default": 360
},
"downPayment": {
"type": "number",
"default": 0
},
"propertyTaxPct": {
"type": "number",
"default": 0
},
"annualInsurance": {
"type": "number",
"default": 0
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"inputs": {
"type": "object"
},
"ltvPct": {
"type": "number"
},
"loanAmount": {
"type": "number"
},
"monthlyHOA": {
"type": "number"
},
"monthlyPMI": {
"type": "number"
},
"monthlyTax": {
"type": "number"
},
"pmiRequired": {
"type": "boolean"
},
"totalMonthly": {
"type": "number"
},
"monthlyInsurance": {
"type": "number"
},
"monthlyPrincipalInterest": {
"type": "number"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"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."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"apr": 1,
"fees": 0,
"state": "TX",
"termMonths": 60,
"downPayment": 0,
"tradeInValue": 0,
"vehiclePrice": 1,
"salesTaxLocalPct": 0
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"note": "Trade-in credited against the taxable amount (varies by state). State base rate + optional local. Not tax advice.",
"inputs": {
"apr": 1,
"state": "TX",
"termMonths": 60,
"downPayment": 0,
"tradeInValue": 0,
"vehiclePrice": 1
},
"salesTax": 0.06,
"totalPaid": 1.09,
"totalInterest": 0.03,
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"monthlyPayment": 0.02,
"salesTaxRatePct": 6.25
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}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"vehiclePrice",
"apr"
],
"properties": {
"apr": {
"type": "number"
},
"fees": {
"type": "number",
"default": 0
},
"state": {
"type": "string",
"default": "TX"
},
"termMonths": {
"type": "number",
"default": 60
},
"downPayment": {
"type": "number",
"default": 0
},
"tradeInValue": {
"type": "number",
"default": 0
},
"vehiclePrice": {
"type": "number"
},
"salesTaxLocalPct": {
"type": "number",
"default": 0
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"note": {
"type": "string"
},
"inputs": {
"type": "object"
},
"salesTax": {
"type": "number"
},
"totalPaid": {
"type": "number"
},
"totalInterest": {
"type": "number"
},
"amountFinanced": {
"type": "number"
},
"monthlyPayment": {
"type": "number"
},
"salesTaxRatePct": {
"type": "number"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
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},
{
"error": "Payment required",
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{
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"extra": {
"name": "USD Coin",
"version": "2"
},
"payTo": "0x1C9923489CD7D75Dd2f6735c48090b8bD4c7E5a9",
"amount": "50000",
"scheme": "exact",
"network": "eip155:8453",
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}
],
"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."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
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"currentApr": 7,
"closingCosts": 6000,
"newTermMonths": 360,
"currentBalance": 250000,
"currentRemainingMonths": 300
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"note": "Positive monthly savings; break-even is when savings cover closing costs.",
"inputs": {
"newApr": 5.5,
"currentApr": 7,
"closingCosts": 6000,
"newTermMonths": 360,
"currentBalance": 250000,
"currentRemainingMonths": 300
},
"newPayment": 1419.47,
"worthwhile": true,
"currentPayment": 1766.95,
"monthlySavings": 347.48,
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"lifetimeInterestSaved": 19074.3
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
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],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"currentBalance",
"currentApr",
"currentRemainingMonths",
"newApr"
],
"properties": {
"newApr": {
"type": "number"
},
"currentApr": {
"type": "number"
},
"closingCosts": {
"type": "number",
"default": 0
},
"newTermMonths": {
"type": "number"
},
"currentBalance": {
"type": "number"
},
"currentRemainingMonths": {
"type": "number"
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"note": {
"type": "string"
},
"inputs": {
"type": "object"
},
"newPayment": {
"type": "number"
},
"worthwhile": {
"type": "boolean"
},
"currentPayment": {
"type": "number"
},
"monthlySavings": {
"type": "number"
},
"breakEvenMonths": {
"type": "number"
},
"lifetimeInterestSaved": {
"type": "number"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"error": "Payment required",
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{
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"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."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"backLimitPct": 36,
"frontLimitPct": 28,
"otherMonthlyDebts": 0,
"grossMonthlyIncome": 1,
"proposedHousingPayment": 1
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"note": "Conventional guideline is 28% front / 36% back; qualified mortgages allow up to ~43% back. Not lending advice.",
"inputs": {
"otherMonthlyDebts": 0,
"grossMonthlyIncome": 1,
"proposedHousingPayment": 1
},
"passesBack": false,
"passesFront": false,
"backLimitPct": 36,
"backEndDtiPct": 100,
"frontLimitPct": 28,
"frontEndDtiPct": 100
}
}
},
"schema": {
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"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
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],
"properties": {
"input": {
"type": "object",
"required": [
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"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"grossMonthlyIncome",
"proposedHousingPayment"
],
"properties": {
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"type": "number",
"default": 36
},
"frontLimitPct": {
"type": "number",
"default": 28
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"otherMonthlyDebts": {
"type": "number",
"default": 0
},
"grossMonthlyIncome": {
"type": "number"
},
"proposedHousingPayment": {
"type": "number"
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
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"required": [
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],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"note": {
"type": "string"
},
"inputs": {
"type": "object"
},
"passesBack": {
"type": "boolean"
},
"passesFront": {
"type": "boolean"
},
"backLimitPct": {
"type": "number"
},
"backEndDtiPct": {
"type": "number"
},
"frontLimitPct": {
"type": "number"
},
"frontEndDtiPct": {
"type": "number"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"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."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"apr": 6,
"loanAmount": 10000,
"termMonths": 120,
"extraMonthly": 100
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"inputs": {
"apr": 6,
"loanAmount": 10000,
"termMonths": 120,
"extraMonthly": 100
},
"basePayment": 111.02,
"monthsSaved": 65,
"interestSaved": 1880.88,
"totalInterest": 1441.58,
"monthsToPayoff": 55,
"acceleratedPayment": 211.02
}
}
},
"schema": {
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"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
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],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"loanAmount",
"apr",
"termMonths"
],
"properties": {
"apr": {
"type": "number"
},
"loanAmount": {
"type": "number"
},
"termMonths": {
"type": "number"
},
"extraMonthly": {
"type": "number",
"default": 0
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"inputs": {
"type": "object"
},
"basePayment": {
"type": "number"
},
"monthsSaved": {
"type": "number"
},
"interestSaved": {
"type": "number"
},
"totalInterest": {
"type": "number"
},
"monthsToPayoff": {
"type": "number"
},
"acceleratedPayment": {
"type": "number"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"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."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"baseApr": 1,
"buydownApr": 1,
"loanAmount": 1,
"pointsCost": 1,
"termMonths": 360
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"note": "Buydown rate is not lower than the base rate.",
"inputs": {
"baseApr": 1,
"buydownApr": 1,
"loanAmount": 1,
"pointsCost": 1,
"termMonths": 360
},
"basePayment": 0,
"buydownPayment": 0,
"monthlySavings": 0,
"breakEvenMonths": null,
"lifetimeSavings": -1
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"loanAmount",
"baseApr",
"buydownApr",
"pointsCost"
],
"properties": {
"baseApr": {
"type": "number"
},
"buydownApr": {
"type": "number"
},
"loanAmount": {
"type": "number"
},
"pointsCost": {
"type": "number"
},
"termMonths": {
"type": "number",
"default": 360
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"note": {
"type": "string"
},
"inputs": {
"type": "object"
},
"basePayment": {
"type": "number"
},
"buydownPayment": {
"type": "number"
},
"monthlySavings": {
"type": "number"
},
"breakEvenMonths": {},
"lifetimeSavings": {
"type": "number"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"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."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"loanAmount": 100000,
"termMonths": 360,
"noteRatePct": 6
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"note": "APR reflects fees over the loan term (Reg Z / TILA). With no fees, APR equals the note rate.",
"aprPct": 6,
"inputs": {
"loanAmount": 100000,
"termMonths": 360,
"noteRatePct": 6,
"feesFinanced": 0
},
"amountFinanced": 100000,
"monthlyPayment": 599.55
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
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],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"loanAmount",
"noteRatePct",
"termMonths"
],
"properties": {
"loanAmount": {
"type": "number"
},
"termMonths": {
"type": "number"
},
"noteRatePct": {
"type": "number"
},
"feesFinanced": {
"type": "number",
"default": 0
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"note": {
"type": "string"
},
"aprPct": {
"type": "number"
},
"inputs": {
"type": "object"
},
"amountFinanced": {
"type": "number"
},
"monthlyPayment": {
"type": "number"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"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)."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"apr": 1,
"balance": 1,
"repayTermMonths": 240,
"drawPeriodMonths": 120
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"note": "Draw phase is interest-only (balance unchanged); the payment jumps when repayment (amortizing) begins.",
"inputs": {
"apr": 1,
"balance": 1,
"repayTermMonths": 240,
"drawPeriodMonths": 120
},
"paymentJump": 0,
"repayPhasePayment": 0,
"drawPhaseInterestOnlyPayment": 0
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"balance",
"apr"
],
"properties": {
"apr": {
"type": "number"
},
"balance": {
"type": "number"
},
"repayTermMonths": {
"type": "number",
"default": 240
},
"drawPeriodMonths": {
"type": "number",
"default": 120
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"note": {
"type": "string"
},
"inputs": {
"type": "object"
},
"paymentJump": {
"type": "number"
},
"repayPhasePayment": {
"type": "number"
},
"drawPhaseInterestOnlyPayment": {
"type": "number"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"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."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"offers": [
{
"apr": 6,
"fees": 0,
"name": "A",
"loanAmount": 100000,
"termMonths": 360
},
{
"apr": 6.5,
"fees": 500,
"name": "B",
"loanAmount": 100000,
"termMonths": 360
}
]
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"inputs": {
"offers": 2
},
"cheapest": "A",
"savingsVsWorst": 12206.3,
"rankedByTotalCost": [
{
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"fees": 0,
"name": "A",
"totalCost": 215838.19,
"loanAmount": 100000,
"termMonths": 360,
"totalInterest": 115838.19,
"monthlyPayment": 599.55
},
{
"apr": 6.5,
"fees": 500,
"name": "B",
"totalCost": 228044.49,
"loanAmount": 100000,
"termMonths": 360,
"totalInterest": 127544.49,
"monthlyPayment": 632.07
}
]
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"offers"
],
"properties": {
"offers": {
"type": "array",
"items": {
"type": "object",
"required": [
"loanAmount",
"apr",
"termMonths"
],
"properties": {
"apr": {
"type": "number"
},
"fees": {
"type": "number"
},
"name": {
"type": "string"
},
"loanAmount": {
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},
"termMonths": {
"type": "number"
}
}
},
"maxItems": 6,
"minItems": 2
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"inputs": {
"type": "object"
},
"cheapest": {
"type": "string"
},
"savingsVsWorst": {
"type": "number"
},
"rankedByTotalCost": {
"type": "array"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"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."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"purchasePrice": 300000,
"annualRentIncome": 36000,
"annualOperatingExpenses": 12000
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"noi": 24000,
"note": "Cap rate is unleveraged (NOI/price); cash-on-cash is leveraged (cash flow/cash invested). Not investment advice.",
"inputs": {
"downPayment": 0,
"purchasePrice": 300000,
"annualRentIncome": 36000,
"annualDebtService": 0,
"annualOperatingExpenses": 12000
},
"capRatePct": 8,
"annualCashFlow": 24000,
"onePercentRulePct": 1,
"cashOnCashReturnPct": null,
"grossRentMultiplier": 8.3333
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"purchasePrice",
"annualRentIncome"
],
"properties": {
"downPayment": {
"type": "number",
"default": 0
},
"purchasePrice": {
"type": "number"
},
"annualRentIncome": {
"type": "number"
},
"annualDebtService": {
"type": "number",
"default": 0
},
"annualOperatingExpenses": {
"type": "number",
"default": 0
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"noi": {
"type": "number"
},
"note": {
"type": "string"
},
"inputs": {
"type": "object"
},
"capRatePct": {
"type": "number"
},
"annualCashFlow": {
"type": "number"
},
"onePercentRulePct": {
"type": "number"
},
"cashOnCashReturnPct": {},
"grossRentMultiplier": {
"type": "number"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"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)."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"apr": 6,
"homeValue": 300000,
"loanAmount": 270000
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"note": "PMI required above 80% LTV; auto-cancels by law at 78% of original value (HPA). Not lending advice.",
"inputs": {
"apr": 6,
"homeValue": 300000,
"loanAmount": 270000,
"pmiRatePct": 0.5,
"termMonths": 360
},
"ltvPct": 90,
"monthlyPmi": 112.5,
"pmiRequired": true,
"autoCancelMonth": 103,
"totalPmiUntilCancel": 11587.5
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
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],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"homeValue",
"loanAmount",
"apr"
],
"properties": {
"apr": {
"type": "number"
},
"homeValue": {
"type": "number"
},
"loanAmount": {
"type": "number"
},
"pmiRatePct": {
"type": "number",
"default": 0.5
},
"termMonths": {
"type": "number",
"default": 360
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"note": {
"type": "string"
},
"inputs": {
"type": "object"
},
"ltvPct": {
"type": "number"
},
"monthlyPmi": {
"type": "number"
},
"pmiRequired": {
"type": "boolean"
},
"autoCancelMonth": {
"type": "number"
},
"totalPmiUntilCancel": {
"type": "number"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"error": "Payment required",
"accepts": [
{
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"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."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"loanAmount": 300000,
"initialRatePct": 5,
"adjustedRatePct": 7,
"fixedPeriodMonths": 60
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"note": "Estimates the payment after one rate reset; actual ARMs apply periodic and lifetime caps. Not lending advice.",
"inputs": {
"loanAmount": 300000,
"termMonths": 360,
"initialRatePct": 5,
"adjustedRatePct": 7,
"fixedPeriodMonths": 60
},
"paymentShock": 336.61,
"initialPayment": 1610.46,
"adjustedPayment": 1947.08,
"paymentShockPct": 20.9,
"balanceAtAdjustment": 275486.2
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
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],
"properties": {
"input": {
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"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
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"initialRatePct",
"adjustedRatePct",
"fixedPeriodMonths"
],
"properties": {
"loanAmount": {
"type": "number"
},
"termMonths": {
"type": "number",
"default": 360
},
"initialRatePct": {
"type": "number"
},
"adjustedRatePct": {
"type": "number"
},
"fixedPeriodMonths": {
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}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"note": {
"type": "string"
},
"inputs": {
"type": "object"
},
"paymentShock": {
"type": "number"
},
"initialPayment": {
"type": "number"
},
"adjustedPayment": {
"type": "number"
},
"paymentShockPct": {
"type": "number"
},
"balanceAtAdjustment": {
"type": "number"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"error": "Payment required",
"accepts": [
{
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"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."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
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"backDtiPct": 36,
"pmiRatePct": 0.5,
"termMonths": 360,
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"frontDtiPct": 28,
"monthlyDebts": 0,
"propertyTaxPct": 1.1,
"annualInsurance": 1500,
"grossAnnualIncome": 1
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"note": "Max price where PITI meets the lower of your front/back DTI limits. Estimate, not a pre-approval.",
"inputs": {
"apr": 6.5,
"termMonths": 360,
"downPayment": 0,
"monthlyDebts": 0,
"grossAnnualIncome": 1
},
"ltvPct": 0,
"loanAmount": 0,
"monthlyPMI": 0,
"monthlyTax": 0,
"pmiRequired": false,
"maxHomePrice": 0,
"maxHousingBudget": 0.02,
"monthlyInsurance": 125,
"monthlyPrincipalInterest": 0
}
}
},
"schema": {
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"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
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],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"grossAnnualIncome"
],
"properties": {
"apr": {
"type": "number",
"default": 6.5
},
"backDtiPct": {
"type": "number",
"default": 36
},
"pmiRatePct": {
"type": "number",
"default": 0.5
},
"termMonths": {
"type": "number",
"default": 360
},
"downPayment": {
"type": "number",
"default": 0
},
"frontDtiPct": {
"type": "number",
"default": 28
},
"monthlyDebts": {
"type": "number",
"default": 0
},
"propertyTaxPct": {
"type": "number",
"default": 1.1
},
"annualInsurance": {
"type": "number",
"default": 1500
},
"grossAnnualIncome": {
"type": "number"
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"note": {
"type": "string"
},
"inputs": {
"type": "object"
},
"ltvPct": {
"type": "number"
},
"loanAmount": {
"type": "number"
},
"monthlyPMI": {
"type": "number"
},
"monthlyTax": {
"type": "number"
},
"pmiRequired": {
"type": "boolean"
},
"maxHomePrice": {
"type": "number"
},
"maxHousingBudget": {
"type": "number"
},
"monthlyInsurance": {
"type": "number"
},
"monthlyPrincipalInterest": {
"type": "number"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"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."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"apr": 6.5,
"years": 7,
"homePrice": 1,
"termMonths": 360,
"downPayment": 0,
"monthlyRent": 1,
"maintenancePct": 1,
"propertyTaxPct": 1.1,
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},
"inputs": {
"type": "object"
},
"taxOnConversion": {
"type": "number"
},
"netAmountConverted": {
"type": "number"
},
"marginalRateAfterPct": {
"type": "number"
},
"marginalRateBeforePct": {
"type": "number"
},
"effectiveConversionRatePct": {
"type": "number"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"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%)."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"aime": 6000,
"claimAge": 67
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"note": "2026 PIA bend points ($1,286 / $7,749). PIA is what you'd receive at FRA (67); claiming at 62 pays 70%, at 70 pays 124%. Break-even ignores COLA, taxes, and the time value of money. Supply your AIME (average indexed monthly earnings). Estimate only — not an SSA determination.",
"inputs": {
"aime": 6000,
"claimAge": 67
},
"annualBenefit": 31980,
"claimFactorPct": 100,
"monthlyBenefit": 2665,
"claimingInsight": "Waiting from 62 to 70 raises the monthly check from $1,866 to $3,305, but you break even on the delay only if you live past ~age 80.4.",
"fullRetirementAge": 67,
"claimingComparison": [
{
"claimAge": 62,
"pctOfPIA": 70,
"annualBenefit": 22392,
"monthlyBenefit": 1866,
"breakEvenAgeVsClaimingAt62": null
},
{
"claimAge": 67,
"pctOfPIA": 100,
"annualBenefit": 31980,
"monthlyBenefit": 2665,
"breakEvenAgeVsClaimingAt62": 78.7
}
],
"primaryInsuranceAmount": 2665.8
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"aime"
],
"properties": {
"aime": {
"type": "number",
"maximum": 1000000,
"minimum": 0,
"description": "Average Indexed Monthly Earnings"
},
"claimAge": {
"type": "number",
"default": 67,
"maximum": 70,
"minimum": 62
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"note": {
"type": "string"
},
"inputs": {
"type": "object"
},
"annualBenefit": {
"type": "number"
},
"claimFactorPct": {
"type": "number"
},
"monthlyBenefit": {
"type": "number"
},
"claimingInsight": {
"type": "string"
},
"fullRetirementAge": {
"type": "number"
},
"claimingComparison": {
"type": "array"
},
"primaryInsuranceAmount": {
"type": "number"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"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)."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"age": 75,
"accountBalance": 500000
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"note": "RMD = prior-year-end balance ÷ Uniform Lifetime Table factor (IRS Pub 590-B). Applies to traditional IRAs/401(k)s; Roth IRAs are exempt during the owner's life. Not tax advice.",
"inputs": {
"age": 75,
"accountBalance": 500000
},
"beginAge": 73,
"rmdAmount": 20325.2,
"rmdRequired": true,
"monthlyEquivalent": 1693.77,
"distributionPeriod": 24.6
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"required": [
"accountBalance",
"age"
],
"properties": {
"age": {
"type": "number",
"maximum": 100,
"minimum": 72
},
"accountBalance": {
"type": "number",
"maximum": 100000000000,
"minimum": 0
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"note": {
"type": "string"
},
"inputs": {
"type": "object"
},
"beginAge": {
"type": "number"
},
"rmdAmount": {
"type": "number"
},
"rmdRequired": {
"type": "boolean"
},
"monthlyEquivalent": {
"type": "number"
},
"distributionPeriod": {
"type": "number"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
},
{
"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."
},
"extensions": {
"bazaar": {
"info": {
"input": {
"body": {
"age": 56,
"coverage": "family",
"accountType": "hsa",
"marginalRatePct": 24
},
"type": "http",
"method": "POST",
"bodyType": "json"
},
"output": {
"type": "json",
"example": {
"note": "2026 HSA limits (Rev. Proc. 2025-19); age-55+ catch-up is a flat $1,000. HSA contributions are triple-tax-advantaged. Tax savings = eligible contribution × your marginal rate. Not tax advice.",
"inputs": {
"accountType": "hsa",
"marginalRatePct": 24,
"contributionAmount": 9750
},
"coverage": "family",
"overLimitBy": 0,
"incomeTaxSavings": 2340,
"catchUp55Included": 1000,
"contributionLimit": 9750,
"hdhpMinDeductible": 3400,
"hdhpMaxOutOfPocket": 17000,
"eligibleContribution": 9750
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method",
"bodyType",
"body"
],
"properties": {
"body": {
"type": "object",
"properties": {
"age": {
"type": "number",
"default": 40
},
"coverage": {
"enum": [
"self",
"family"
],
"type": "string",
"default": "self"
},
"accountType": {
"enum": [
"hsa",
"fsa"
],
"type": "string",
"default": "hsa"
},
"marginalRatePct": {
"type": "number",
"default": 0
},
"contributionAmount": {
"type": "number"
}
}
},
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"POST"
],
"type": "string"
},
"bodyType": {
"enum": [
"json",
"form-data",
"text"
],
"type": "string"
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string"
},
"example": {
"type": "object",
"properties": {
"note": {
"type": "string"
},
"inputs": {
"type": "object"
},
"coverage": {
"type": "string"
},
"overLimitBy": {
"type": "number"
},
"incomeTaxSavings": {
"type": "number"
},
"catchUp55Included": {
"type": "number"
},
"contributionLimit": {
"type": "number"
},
"hdhpMinDeductible": {
"type": "number"
},
"hdhpMaxOutOfPocket": {
"type": "number"
},
"eligibleContribution": {
"type": "number"
}
},
"additionalProperties": true
}
}
}
}
}
}
},
"x402Version": 2
}
] UPTIME
RESPONSE TIME
24h UPTIME 100%
UPTIME 24H 100%
AVG RESP 200ms
TOTAL CHECKS 14
RECENT CHECKS
TIME STATUS RESP
● OK 38ms
● OK 61ms
● OK 45ms
● SLOW 762ms
● SLOW 762ms
● OK 46ms
● OK 36ms
● OK 51ms
● OK 40ms
● OK 42ms
● OK 54ms
● OK 39ms
● SLOW 762ms
● OK 59ms
OVER TIME
All charts share the 24h window selected here. Every series is also served as JSON at /api/v1/services/tollbooth/price, /scores, /volume and /buyers. On-chain volume and distinct buyers are measured over the service's settlement address and are a conservative undercount (only settlements that reach a measured facilitator are counted).
PRICE (captured 402, USD)
Median across 50 endpoints. Use the selector to isolate one.
SUB-SCORES (uptime + x402 compliance)
VOLUME (on-chain settlement, USD)
DISTINCT BUYERS
COMPLIANCE
11/12 checks pass · grade A- 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
- response mimeType declared
- served over HTTPS
EMBED THIS BADGE
// HTML
<a href="https://x402-list.com/services/tollbooth?utm_source=badge&utm_medium=referral&utm_campaign=embed"> <img src="https://x402-list.com/badge/tollbooth.svg" alt="Tollbooth listed on x402-list" height="28"> </a>
// Markdown
[](https://x402-list.com/services/tollbooth?utm_source=badge&utm_medium=referral&utm_campaign=embed)
// HTML · live uptime variant
<a href="https://x402-list.com/services/tollbooth?utm_source=badge&utm_medium=referral&utm_campaign=embed"> <img src="https://x402-list.com/badge/tollbooth.svg?data=uptime" alt="Tollbooth uptime on x402-list" height="28"> </a>