CorteX402 Pre-NOD Score

Live 402 challenge

Captured by the enrichment pass, not read just now. Prices can change — always read the 402 the endpoint answers with.

{
  "error": "X-PAYMENT header required",
  "accepts": [
    {
      "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
      "extra": {
        "name": "USD Coin",
        "version": "2"
      },
      "payTo": "0x8A74c239DeDc0bB9Ee68eAEeC168Cca985f82F58",
      "scheme": "exact",
      "network": "base",
      "mimeType": "application/json",
      "resource": "https://jtifhcvbgxqwlywugvjv.supabase.co/functions/v1/cortex402-prenod-score",
      "description": "Synthetic 12-month default-propensity score (0-100) for any US property. Computes from property, equity and market signals, and additionally accepts buyer-supplied credit score, DTI and payment history which re-weight the model in real time. Returns the score, a per-factor breakdown, suggested enrichments, and a methodology note.",
      "maxAmountRequired": "500000",
      "maxTimeoutSeconds": 60
    }
  ],
  "x402Version": 1
}

Accepts

The payment requirements as published to the catalog. Read the live 402 before paying — a price here is a claim, not a quote.

[
  {
    "asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
    "extra": {
      "name": "USD Coin",
      "version": "2"
    },
    "payTo": "0x8A74c239DeDc0bB9Ee68eAEeC168Cca985f82F58",
    "amount": "500000",
    "scheme": "exact",
    "network": "eip155:8453",
    "maxTimeoutSeconds": 60
  }
]

Extensions

{
  "bazaar": {
    "info": {
      "input": {
        "body": {
          "apn": "179-21-611-027",
          "dti": 0.42,
          "fips": "32003",
          "credit_score": 620,
          "months_reserves": 2,
          "payment_late_12mo": 1
        },
        "type": "http",
        "method": "POST",
        "bodyType": "json"
      },
      "output": {
        "type": "json",
        "example": {
          "apn": "179-21-611-027",
          "fips": "32003",
          "score": 64,
          "address": "1002 BLUE LANTERN DR, HENDERSON, NV 89015",
          "factors": {
            "dti": {
              "score": 85,
              "value": 0.55
            },
            "altv": {
              "score": 4,
              "value": 0.27
            },
            "credit_score": {
              "score": 90,
              "value": 580
            },
            "payment_late_12mo": {
              "score": 75,
              "value": 2
            }
          },
          "attom_id": "19068224",
          "confidence": 0.83,
          "fetched_at": "2026-05-16T05:50:00Z",
          "receipt_tx": "0x4594792cf827852944afae5a25eea6fbdf4162baba5cbfe9fd467867266a1165",
          "request_id": "pn_8c4e2a6d1f3b9c5e7a0d2f4b",
          "methodology": "Synthetic 12mo default-propensity score 0-100. Weighted composite over ATTOM-derived signals (ALTV, ownership length, occupancy, loan age/type, equity, refi count, equity divergence, property age) AND optional buyer-supplied enrichments (credit_score, dti, months_reserves, payment_late_12mo, prior_modifications, employment_years, income_type). When credit_score supplied, model re-weights — credit dominates at 35%, ATTOM factors compress. Hand-tuned from public mortgage-default research; weights NOT trained on outcome data. Directional signal, not a credit decision (ECOA/Reg B/FCRA apply to caller, not to this score). Back-test 2026-05-16: 100% specificity above threshold 50 on Clark County NOD sample (n=25) vs ATTOM-listed controls.",
          "signal_source": [
            "attom",
            "buyer_supplied"
          ],
          "weight_schedule": "credit_enriched",
          "suggested_enrichments": [
            {
              "field": "prior_modifications",
              "impact": "+6% model weight (mod re-default 30-50%)"
            }
          ]
        }
      }
    },
    "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": [
                "apn",
                "fips"
              ],
              "properties": {
                "apn": {
                  "type": "string",
                  "description": "Assessor parcel number, in the county's canonical format (e.g. \"179-21-611-027\" for Clark, NV)"
                },
                "dti": {
                  "type": "number",
                  "description": "Optional debt-to-income fraction (e.g. 0.42). >0.43 = QM disqualifier."
                },
                "fips": {
                  "type": "string",
                  "description": "5-digit county FIPS code (e.g. \"32003\" = Clark, NV; \"06037\" = Los Angeles, CA)"
                },
                "address": {
                  "type": "string",
                  "description": "Optional alternative to apn+fips — full street address (\"1234 Main St, Austin, TX 78701\")"
                },
                "income_type": {
                  "enum": [
                    "W2",
                    "1099",
                    "self"
                  ],
                  "type": "string",
                  "description": "Optional income type — 1099/self-employed correlate with elevated default vs W2."
                },
                "credit_score": {
                  "type": "integer",
                  "description": "Optional FICO 300-850. DOMINANT factor when supplied (35% of model weight)."
                },
                "months_reserves": {
                  "type": "number",
                  "description": "Optional liquid reserves in months-of-payment."
                },
                "employment_years": {
                  "type": "number",
                  "description": "Optional years at current employer."
                },
                "payment_late_12mo": {
                  "type": "integer",
                  "description": "Optional # of 30+ day late payments in last 12 months."
                },
                "prior_modifications": {
                  "type": "integer",
                  "description": "Optional count of prior loan modifications."
                }
              },
              "additionalProperties": false
            },
            "type": {
              "type": "string",
              "const": "http"
            },
            "method": {
              "enum": [
                "POST"
              ],
              "type": "string"
            },
            "bodyType": {
              "enum": [
                "json"
              ],
              "type": "string"
            }
          }
        }
      }
    }
  }
}

Provenance

Seen in the source catalog

2026-06-18 05:07Z

Last indexed by Roundhouse

2026-07-07 14:30Z

Last enriched (probe, favicon, geo)

2026-09-20 16:45Z

x402 version

2

Max timeout

60s

Liveness probe

HTTP 402