Financial Analysis x402 offerings

Default-risk scoring for a French company: a score (0-100) at ~12 months from a transparent scorecard: filed financial ratios (structure, profitability, liquidity, net cash, debt service, trend), company age, and a hard BODACC override (open insolvency/liquidation, or closure for insufficient assets). Returns the score, a band, each component and its threshold, a confidence level. Decision-support indicator, NOT a solvency opinion or credit rating. Fully disclosed legal persons only.

Romanian company annual accounts from the Ministry of Finance open data (data.gov.ro, CC BY 4.0, financial years 2019-2024), every published year in one call: balance sheet (fixed and current assets, inventories, receivables, cash, liabilities, provisions, equity, paid-up capital), income statement (net turnover, total income and expenses, gross and net result), average headcount, CAEN Rev. 2 class, filing format (abridged or full). RON as published; null = not published. Legal persons only.

IBAN verification and bank validation for SEPA payments: a FORM check to verify a supplier before payment — ISO 13616 structure + mod-97 key, plus bank identification from FREE official sources (FR via ACPR/REGAFI incl. LEI and SIREN; BE NBB; AT OeNB incl. LEI; NL BIC list; DE Bundesbank file). French BICs via GLEIF/SWIFT BIC-to-LEI. NOT a payee verification for instant payments: neither the holder name nor the account's existence is checked (verification_titulaire: non_disponible).

European company financials — Belgian and Finnish company annual accounts, filings list. BE: every published deposit reference at the NBB CBSO (Central Balance Sheet Office, Authentic Data, since 1978), 10-digit enterprise number. FI: fiscal years available as PRH XBRL filings (~5% of Finnish limited companies file digitally; empty filings are filtered out, every listed year carries figures), Business ID NNNNNNN-N. Unique on x402: no other service exposes Belgian or Finnish filed accounts.

Croatian annual-accounts filings (Sudski registar, daily snapshot): every filing per financial year, type (GFI-POD report, inactivity or correction statement), consolidated or not, period, filing date, newest first. Metadata only, never the document; aucun_depot is measured. Sole trader (t.p.) or undecided form: 404, not billed. Attribution to the Ministry of Justice required.

A security by ISIN, CUSIP or ticker (with an optional exchange code): its OpenFIGI id, name, ticker, exchange, security type and market sector, and for an ISIN the issuer's LEI and legal name from GLEIF. ISIN and CUSIP check digits are verified before the call. Attribution: FIGI by OpenFIGI; LEI by GLEIF.

Recent SEC EDGAR filings of a company (10-K, 10-Q, 8-K and more), found by ticker, CIK or name. A name that matches several filers returns candidates with HTTP 400, not charged. Each filing gives the form, filing and report dates, description, index page and primary document. Source: SEC EDGAR, public domain.

IBAN validation with no network call: ISO 13616 length and structure for every country in the SWIFT IBAN registry, the mod-97 checksum, national check digits where a public algorithm exists (FR, ES, IT, BE, NL, NO, FI, PL, PT and the Balkan countries), and the split into bank code, branch code and account. Returns the electronic and print format. Pass ibans= for up to 50 at once. No bank name or BIC lookup (no dataset is bundled).

Maps a US-listed stock ticker, SEC CIK number or company name fragment to the other two, with the exchange: an exact ticker or CIK, or up to 10 names matching the words you give (the names that start with it first). From the SEC's company ticker file (public domain), cached a day and trimmed before caching. Covers companies with an SEC ticker only; a name with no match is a 404, not charged.

Official rate and macro series in one call, by name: fed_funds, us_cpi, us_core_cpi, us_unemployment, us_10y, us_2y, us_mortgage_30y, us_gdp, wti_oil, brent_oil, henry_hub_gas, us_house_price_index, ecb_deposit_rate, ecb_main_refi_rate and euro_area_hicp. Latest value, change vs previous and vs a year earlier, and observations. Up to 6 series. FRED (US public domain), the ECB Data Portal and Eurostat.

Key figures per fiscal year or quarter from a company's SEC XBRL filings, the numbers it tagged itself: revenue, net income, operating income, assets, liabilities, equity, cash, operating cash flow, diluted EPS and shares outstanding. Each value carries the form and filing date it came from. Ticker or CIK. Source: SEC XBRL API, public domain.

Currency exchange rates from the European Central Bank (about 30 currencies, back to 1999): latest or a given date, amount conversion, or a daily time series between two dates. Source: ECB reference rates via Frankfurter.

The latest Form 4 insider transactions of a US company (ticker, CIK or name): insider name and role, transaction date, code (P buy, S sell, A grant, M exercise, F tax withholding), shares, price and shares owned afterwards, with the filing link. Common-stock lines only; derivative grants are not listed.

Returns the latest Form 13F-HR holdings for an institutional investor by CIK or name search. Each holding: issuer, class, CUSIP, value in USD, shares, put/call flag, largest first. Capped at 500 rows. Also returns the total value from the cover page, filing date and reporting period. Source: SEC EDGAR (public domain). EDGAR requests ≤10/s.

The latest 8-K current reports of a US company (ticker or CIK) with their item codes explained in plain words (1.01 material agreement, 2.02 results, 5.02 executive change and so on). Each filing links to its document. US government data.

Macro indicators for any country from the World Bank (CC BY 4.0): GDP, GDP growth, GDP per capita, inflation (CPI), unemployment, population, current account, government debt and lending interest rate, with the year, value and unit of each. Country by ISO2 or ISO3 code or exact name; indicator by friendly name or a raw World Bank code. Values lag by one to two years; years with no published value are left out.

Loan and investment calculator in exact cents, no outside source. mode=annuity: monthly payment, total interest and the full amortisation schedule (up to 600 months). mode=compound: future value of an initial sum plus monthly contributions. mode=npv or irr: discount or internal rate of return of a list of cashflows (up to 200, the first at time 0). Rates are percentages from 0 to 100 a year (per period for npv and irr); terms up to 50 years.

Full-text search of SEC EDGAR filings: company, CIK, form, filing date, file name, a link to the matched document, its file type (e.g. EX-99.1) and the 8-K items. Results are in EDGAR relevance order; a total of 10,000 means at least that many. Filter by form types (e.g. 8-K,10-K) and filing dates. Results are capped at 20. US government data.

Checks a SWIFT/BIC code (8 or 11 characters): the format, bank code, country and its name, location, test and passive flags, branch, and the institution's LEI, legal name and address from GLEIF when a record carries that BIC. Without a GLEIF match the answer still gives the format check and institution null, with the reason. Pure code plus one GLEIF call, cached a day.

Comprehensive company research report in one call: latest close, financials, SEC filings, insider trades, and recent news - all in parallel. Company dossier skill pack: one x402 payment runs 5 underlying tools (stock-quote, company-financials, edgar-filings, edgar-insider-trades, search); partial-success per step.

Side-by-side snapshot of a stock and a crypto asset: the equity's latest close against a live crypto quote, a trailing-year series for each, and a date-stamped comparison. Cross-asset price monitor skill pack: one x402 payment runs 5 underlying tools (stock-quote, stock-history, crypto-price, crypto-history, date-format); partial-success per step.

Everything you need before a company reports: the latest financials, recent SEC filings, the latest close, and fresh analyst news - in one pass. Earnings deep-dive skill pack: one x402 payment runs 4 underlying tools (company-financials, edgar-filings, stock-quote, search); partial-success per step.

Has this company just reported, and what is being said about it? Recent SEC filings, the latest close, and current coverage in one call. Earnings watch skill pack: one x402 payment runs 3 underlying tools (stock-quote, search, edgar-filings); partial-success per step.

Key Federal Reserve economic indicators - fed funds rate, unemployment, and CPI - in one call. Fed economic snapshot skill pack: one x402 payment runs 3 underlying tools (fred-series, fred-series, fred-series); partial-success per step.