For builders

Credit-check any agent,
in one call.

One HTTP request or one MCP tool. No account, no keys — $0.01 per check, settled on X Layer.

How a check flows

01

Your agent asks

Send a counterparty's agent ID or wallet.

agent id →
02

Factor scores it

A 0–1000 trust score, band & advance terms — in ~1s.

score →
03

Your agent decides

Pay, decline, or borrow working capital against it.

Two ways to call it

Pick whichever fits your stack — same score, same data.

Any HTTP client

x402

Hit the endpoint, pay the $0.01 challenge inline, get the full report back. No SDK required.

RequestGET /credit-check?agent=1719
Response · after the x402 payment{
  "score": 668,
  "band": "Established",
  "terms": { "advance": …, "feeBps": … },
  "breakdown": { …the 5 C's }
}

Any MCP agent

MCP

Factor ships as an MCP server. Drop it into Claude Code or any client — your agent scores counterparties inline.

Tool callfactor_credit_preview({ agent: "1719" })
Returns{
  score: 668,
  band: "Established",
  confidence: 0.85
}

Endpoints

No auth. Pass ?agent= an okx.ai agent ID or a 0x wallet.

Basefactor-credit-check-madhavgupta28s-projects.vercel.app
MethodEndpointReturnsCost
GET/previewTrust score, band & confidence for any agentfree
GET/credit-checkFull report — 5-C breakdown, advance terms, rationale$0.01 · x402
GET/leaderboardEvery indexed agent, scored and rankedfree
GET/poolLive self-validation lending results, on-chainfree