ToolVet
78trust / 100

Finance Loan

by SiteCheck in Markets & finance

x402 APIPassing, checked 4 h ago

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.

GET
https://api.sitecheck-api.workers.dev/api/finance/loan
Price
$0.001
per call in USDC
Uptime
100%
last 30 days
Response time
40 ms
53 ms slowest 5%
Last check
Passed
4 h ago, next any minute now

Run a free test callHow to call it

Reliability

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Status and outage history · Atom feed · Watch with other listings

How to call it

GET https://api.sitecheck-api.workers.dev/api/finance/loan

Each call costs $0.001 in USDC on Base, paid with the request over x402.

Run a free test callOne unpaid request, the way an agent sends it. You see the payment challenge it gets back. Nothing is charged.

Example request

From the listing.

GET https://api.sitecheck-api.workers.dev/api/finance/loan?mode=annuity&principal=250000&rate=6.5&termYears=30

Parameters

ParameterTypeRequiredDescription
cashflowsstringNoComma-separated cashflows for npv and irr, e.g. -1000,300,400,500 (first at time 0)
contributionstringNoMonthly contribution for compound, up to two decimals (optional)
modestringYesannuity (default), compound, npv or irr
principalstringNoLoan amount (annuity) or starting sum (compound), up to two decimals (optional for compound)
ratestringNoAnnual rate in percent, 0 to 100 (annuity, compound); rate per period in percent for npv (-99 to 1000)
termMonthsstringNoTerm in months, 1 to 600, instead of termYears
termYearsstringNoTerm in years, up to 50 (annuity, compound)

Example response

The provider's example. We can't check it without paying.

Example response, 36 lines
{
  "checkedAt": "2026-10-15T13:40:01.487Z",
  "disclaimer": "Information only, not financial advice.",
  "lastPayment": 1580.55,
  "mode": "annuity",
  "monthlyPayment": 1580.17,
  "months": 360,
  "principal": 250000,
  "rate": 6.5,
  "schedule": [
    {
      "balance": 249774,
      "interest": 1354.17,
      "month": 1,
      "payment": 1580.17,
      "principal": 226
    },
    {
      "balance": 249546.77,
      "interest": 1352.94,
      "month": 2,
      "payment": 1580.17,
      "principal": 227.23
    },
    {
      "balance": 249318.31,
      "interest": 1351.71,
      "month": 3,
      "payment": 1580.17,
      "principal": 228.46
    }
  ],
  "source": "Computed here in pure code (annuity, monthly compounding, NPV and IRR formulas); no outside source",
  "totalInterest": 318861.58,
  "totalPaid": 568861.58
}

Call it from code

The curl command shows the payment challenge. The JavaScript and Python versions pay and call, and never pay more than $0.001.

curl: see the payment challenge
# bash or zsh: see the payment challenge. Nothing is charged.
curl -sS -g -i 'https://api.sitecheck-api.workers.dev/api/finance/loan?mode=annuity&principal=250000&rate=6.5&termYears=30'

# x402 v2 sends the challenge base64-encoded in the PAYMENT-REQUIRED header (v1 sends it in the body).
# To read the header:
curl -sS -g -o /dev/null -D - 'https://api.sitecheck-api.workers.dev/api/finance/loan?mode=annuity&principal=250000&rate=6.5&termYears=30' \
  | grep -i '^payment-required:' | cut -d' ' -f2 | tr -d '\r' | base64 --decode
JavaScript: pay and call
// npm i @x402/fetch @x402/evm viem
import { wrapFetchWithPayment, x402Client } from "@x402/fetch";
import { registerExactEvmScheme } from "@x402/evm/exact/client";
import { privateKeyToAccount } from "viem/accounts";

// Pays at most $0.001 per call.
const client = new x402Client().setSpendControls({ maxAmountPerPayment: "$0.001" });
registerExactEvmScheme(client, { signer: privateKeyToAccount(process.env.EVM_PRIVATE_KEY) });
const pay = wrapFetchWithPayment(fetch, client);

// Not sure it's safe to pay? ToolVet checks it first for $0.005. Pay for that from a separate
// client: this one is capped at $0.001 per payment. GET https://toolvet.app/api/v1/check?url=https%3A%2F%2Fapi.sitecheck-api.workers.dev%2Fapi%2Ffinance%2Floan
const res = await pay("https://api.sitecheck-api.workers.dev/api/finance/loan?mode=annuity&principal=250000&rate=6.5&termYears=30");
console.log(res.status, await res.text());
Python: pay and call
# pip install "x402[requests,evm]"
import os
from eth_account import Account
from x402 import x402ClientSync
from x402.http.clients import x402_requests
from x402.mechanisms.evm import EthAccountSigner
from x402.mechanisms.evm.exact.register import register_exact_evm_client

# Pays at most $0.001 per call.
client = x402ClientSync().set_spend_controls({"max_amount_per_payment": "$0.001"})
register_exact_evm_client(client, EthAccountSigner(Account.from_key(os.environ["EVM_PRIVATE_KEY"])))

with x402_requests(client) as session:
    res = session.get("https://api.sitecheck-api.workers.dev/api/finance/loan?mode=annuity&principal=250000&rate=6.5&termYears=30")
    print(res.status_code, res.text)

Security scan

No findings

We scan names, descriptions and tool definitions for hidden instructions and other prompt-injection patterns.

Recent checks

WhenResultHTTPTimePrice
4 h agoPassed40253 ms$0.001
8 h agoPassed40240 ms$0.001