AgentUtility.ai · Invoice Discount API

import { wrapFetchWithPayment } from "@x402/fetch";
import { privateKeyToAccount } from "viem/accounts";

const account = privateKeyToAccount(process.env.PRIVATE_KEY);
const fetchWithPay = wrapFetchWithPayment(fetch, account);

const res = await fetchWithPay("https://x402.agentutility.ai/invoice-discount-api", {
  method: "POST",
  headers: { "Content-Type": "application/json" },
  body: JSON.stringify({
    "advance_rate_pct": 95,
    "annual_cost_of_capital_pct": 14,
    "days_until_due": 45,
    "discount_pct": 1.8,
    "invoice_amount": 80000
  }),
});
const data = await res.json();

curl -X POST \
  "https://x402.agentutility.ai/invoice-discount-api" \
  -H "Content-Type: application/json" \
  -d '{"advance_rate_pct":95,"annual_cost_of_capital_pct":14,"days_until_due":45,"discount_pct":1.8,"invoice_amount":80000}' \
  -H "X-PAYMENT: <signed x402 payment>"

{
  "calculator": "invoice-discount-calculator",
  "drivers": [
    {
      "name": "effective_apr",
      "note": "15.66% effective APR",
      "score": 65.5,
      "weight": 0.35
    }
  ],
  "grade": "strong",
  "metrics": {
    "cost_premium_vs_capital_benchmark": 153.95,
    "discount_amount": 1440,
    "effective_apr_pct": 15.66,
    "net_cash_received": 74560
  },
  "recommendation": "Proceed with standard diligence and covenant checks.",
  "score": 74.2,
  "source": "deterministic in-process finance calculator; no upstream API",
  "warnings": []
}