saylorinnovations.com
No description published for this endpoint.
The wallet the 402 directs payment to. Its whole payment record — every payer, every chain — is on the merchant page.
Asset 0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913
The payTo wallet does not resolve to a registered ERC-8004 agent. That is not a verdict on the service — most of the catalog is unregistered.
Live 402 challenge
Captured by the enrichment pass, not read just now. Prices can change — always read the 402 the endpoint answers with.
{
"error": "Payment required to access this resource.",
"accepts": [
{
"asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
"extra": {
"memo": "saylor:datadesk:loan-comparison",
"name": "USD Coin",
"note": "Base settles through an x402 facilitator. Send payload.signature and payload.authorization (EIP-3009); there is no self-submitted path on this network.",
"version": "2",
"facilitatorOnly": true,
"assetTransferMethod": "eip3009"
},
"payTo": "0xA2A8dF0f7CaaBEa4e120a2568118f141569fc8aa",
"amount": "10000",
"scheme": "exact",
"network": "eip155:8453",
"maxTimeoutSeconds": 120
},
{
"asset": "0x3c499c542cEF5E3811e1192ce70d8cC03d5c3359",
"extra": {
"memo": "saylor:datadesk:loan-comparison",
"name": "USD Coin",
"note": "Polygon settles through an x402 facilitator. Send payload.signature and payload.authorization (EIP-3009); there is no self-submitted path on this network.",
"version": "2",
"facilitatorOnly": true,
"assetTransferMethod": "eip3009"
},
"payTo": "0xA2A8dF0f7CaaBEa4e120a2568118f141569fc8aa",
"amount": "10000",
"scheme": "exact",
"network": "eip155:137",
"maxTimeoutSeconds": 120
},
{
"asset": "0xaf88d065e77c8cC2239327C5EDb3A432268e5831",
"extra": {
"memo": "saylor:datadesk:loan-comparison",
"name": "USD Coin",
"note": "Arbitrum settles through an x402 facilitator. Send payload.signature and payload.authorization (EIP-3009); there is no self-submitted path on this network.",
"version": "2",
"facilitatorOnly": true,
"assetTransferMethod": "eip3009"
},
"payTo": "0xA2A8dF0f7CaaBEa4e120a2568118f141569fc8aa",
"amount": "10000",
"scheme": "exact",
"network": "eip155:42161",
"maxTimeoutSeconds": 120
},
{
"asset": "EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v",
"extra": {
"memo": "saylor:datadesk:loan-comparison",
"session": "eyJhcnRpY2xlSWQiOiJkYXRhZGVzazpsb2FuLWNvbXBhcmlzb24iLCJyZWZlcmVuY2UiOiI2QmdacVV4UlBwRlNKVW1yQUxQRXpqZ1ZOcGdTbkxIRURXUkx1VFVZQTdpeiIsInJlY2lwaWVudCI6IjdMU2pmckpmOGZOc0I4VkE5dTdOM1dFbjI1c21RTHBvYjNTdnlVdlhhY3k3IiwibWludCI6IkVQakZXZGQ1QXVmcVNTcWVNMnFOMXh6eWJhcEM4RzR3RUdHa1p3eVREdDF2IiwibWluQW1vdW50IjoxMDAwMCwiZXhwIjoxNzkyNzk3NDg2NTIzfQ.CVzgN824d1Ha9YZOEyTDgZKYBDXA3dfmTr7Rork03QY",
"feePayer": "Hc3sdEAsCGQcpgfivywog9uwtk8gUBUZgsxdME1EJy88",
"reference": "6BgZqUxRPpFSJUmrALPEzjgVNpgSnLHEDWRLuTUYA7iz"
},
"payTo": "7LSjfrJf8fNsB8VA9u7N3WEn25smQLpob3SvyUvXacy7",
"amount": "10000",
"scheme": "exact",
"network": "solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp",
"maxTimeoutSeconds": 120
},
{
"asset": "Es9vMFrzaCERmJfrF4H2FYD4KCoNkY11McCe8BenwNYB",
"extra": {
"memo": "saylor:datadesk:loan-comparison",
"session": "eyJhcnRpY2xlSWQiOiJkYXRhZGVzazpsb2FuLWNvbXBhcmlzb24iLCJyZWZlcmVuY2UiOiI4OG1LUURMTGFNalg1VUNEajNxTm5yQ0RlR2s4cjZ0azJodjVXOXkzSmNnWCIsInJlY2lwaWVudCI6IjdMU2pmckpmOGZOc0I4VkE5dTdOM1dFbjI1c21RTHBvYjNTdnlVdlhhY3k3IiwibWludCI6IkVzOXZNRnJ6YUNFUm1KZnJGNEgyRllENEtDb05rWTExTWNDZThCZW53TllCIiwibWluQW1vdW50IjoxMDAwMCwiZXhwIjoxNzkyNzk3NDg2NTI0fQ.usV6cVDkxTWJs4icdD9-SdpM3ctrYd98a0-bYeJgJ8k",
"feePayer": "Hc3sdEAsCGQcpgfivywog9uwtk8gUBUZgsxdME1EJy88",
"reference": "88mKQDLLaMjX5UCDj3qNnrCDeGk8r6tk2hv5W9y3JcgX"
},
"payTo": "7LSjfrJf8fNsB8VA9u7N3WEn25smQLpob3SvyUvXacy7",
"amount": "10000",
"scheme": "exact",
"network": "solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp",
"maxTimeoutSeconds": 120
},
{
"asset": "So11111111111111111111111111111111111111112",
"extra": {
"memo": "saylor:datadesk:loan-comparison",
"note": "Native SOL: send lamports with a system transfer, not an SPL transfer. Price is quoted live and this quote expires in 120s.",
"native": true,
"session": "eyJhcnRpY2xlSWQiOiJkYXRhZGVzazpsb2FuLWNvbXBhcmlzb24iLCJyZWZlcmVuY2UiOiIzNzJXYWVNZ0ZINlVFWG1QR1oxblZTVGtDeHVQejhzenZGRW5SR3poM01kZCIsInJlY2lwaWVudCI6IjdMU2pmckpmOGZOc0I4VkE5dTdOM1dFbjI1c21RTHBvYjNTdnlVdlhhY3k3IiwibWludCI6bnVsbCwibWluQW1vdW50Ijo5NTE0NCwiZXhwIjoxNzkyNzk3NDg2Njg0fQ.-mXrLvi-f994jyYQ_AMW77PEESgXIh17PA6r1L0xNT0",
"reference": "372WaeMgFH6UEXmPGZ1nVSTkCxuPz8szvFEnRGzh3Mdd",
"solUsdPrice": 101.95,
"quotedLamports": "98087"
},
"payTo": "7LSjfrJf8fNsB8VA9u7N3WEn25smQLpob3SvyUvXacy7",
"amount": "95144",
"scheme": "exact",
"network": "solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp",
"maxTimeoutSeconds": 120
}
],
"resource": {
"url": "https://saylorinnovations.com/api/finance/loan-comparison?a_principal=300000&a_apr=6.5&a_term_months=360&a_upfront_fees=0&b_principal=300000&b_apr=6.0&b_term_months=360&b_upfront_fees=6000&hold_months=60",
"tags": [
"compare two mortgage offers",
"is paying points worth it",
"break even month for a lower",
"which loan costs less over 5",
"refinance comparison calculator"
],
"iconUrl": "https://saylorinnovations.com/og-image.jpg",
"mimeType": "application/json",
"description": "Compare two loan offers - payment, total interest, upfront fees, cheaper loan over the full term, break-even month and cost over your holding period",
"serviceName": "Saylor Innovations Data Desk"
},
"extensions": {
"tags": [
"compare two mortgage offers",
"is paying points worth it",
"break even month for a lower rate with fees",
"which loan costs less over 5 years",
"refinance comparison calculator",
"total interest of two loans side by side"
],
"bazaar": {
"info": {
"input": {
"type": "http",
"method": "GET",
"queryParams": {
"a_apr": "6.5",
"b_apr": "6.0",
"a_principal": "300000",
"b_principal": "300000",
"hold_months": "60",
"a_term_months": "360",
"b_term_months": "360",
"a_upfront_fees": "0",
"b_upfront_fees": "6000"
}
},
"output": {
"type": "json",
"example": {
"note": "Cost of borrowing is interest paid plus upfront fees, counted up to the month you sell or refinance; the break-even month is where the cheaper loan changes.",
"loan_a": {
"principal": 300000,
"total_paid": 682633.47,
"apr_percent": 6.5,
"term_months": 360,
"upfront_fees": 0,
"total_interest": 382633.47,
"monthly_payment": 1896.2,
"total_cost_of_borrowing": 382633.47
},
"loan_b": {
"principal": 300000,
"total_paid": 653514.57,
"apr_percent": 6,
"term_months": 360,
"upfront_fees": 6000,
"total_interest": 347514.57,
"monthly_payment": 1798.65,
"total_cost_of_borrowing": 353514.57
},
"source": "Standard fixed-rate amortization compared month by month",
"holding_period": {
"cost_a": 94605.18,
"cost_b": 93082.16,
"months": 60,
"cheaper": "B"
},
"break_even_month": 48,
"lower_monthly_payment": "B",
"cheaper_over_full_term": "B",
"full_term_cost_difference": 29118.9,
"monthly_payment_difference": 97.55
}
}
},
"schema": {
"type": "object",
"$schema": "https://json-schema.org/draft/2020-12/schema",
"required": [
"input"
],
"properties": {
"input": {
"type": "object",
"required": [
"type",
"method"
],
"properties": {
"type": {
"type": "string",
"const": "http"
},
"method": {
"enum": [
"GET"
],
"type": "string"
},
"queryParams": {
"type": "object",
"required": [
"a_principal",
"a_apr",
"a_term_months",
"b_principal",
"b_apr",
"b_term_months"
],
"properties": {
"a_apr": {
"type": "string",
"description": "Loan A rate in percent"
},
"b_apr": {
"type": "string",
"description": "Loan B rate in percent"
},
"a_principal": {
"type": "string",
"description": "Loan A amount"
},
"b_principal": {
"type": "string",
"description": "Loan B amount"
},
"hold_months": {
"type": "string",
"description": "optional months you expect to keep the loan"
},
"a_term_months": {
"type": "string",
"description": "Loan A term in months"
},
"b_term_months": {
"type": "string",
"description": "Loan B term in months"
},
"a_upfront_fees": {
"type": "string",
"description": "optional Loan A fees and points"
},
"b_upfront_fees": {
"type": "string",
"description": "optional Loan B fees and points"
}
}
}
},
"additionalProperties": false
},
"output": {
"type": "object",
"required": [
"type"
],
"properties": {
"type": {
"type": "string",
"const": "json"
},
"example": {
"type": "object",
"required": [
"loan_a",
"loan_b"
],
"properties": {
"note": {
"type": "string",
"description": "Caveat or context for reading the result"
},
"loan_a": {
"type": "object",
"description": "Loan a"
},
"loan_b": {
"type": "object",
"description": "Loan b"
},
"source": {
"type": "string",
"description": "Data source the values come from"
},
"holding_period": {
"type": [
"object",
"null"
],
"properties": {
"cost_a": {
"type": [
"number",
"null"
],
"description": "Cost a"
},
"cost_b": {
"type": [
"number",
"null"
],
"description": "Cost b"
},
"months": {
"type": [
"number",
"null"
],
"description": "Number of months"
},
"cheaper": {
"type": [
"string",
"null"
],
"description": "Cheaper loan over the holding period"
}
},
"description": "Holding period"
},
"break_even_month": {
"type": [
"number",
"null"
],
"description": "Break even month"
},
"lower_monthly_payment": {
"type": "string",
"description": "Lower monthly payment"
},
"cheaper_over_full_term": {
"type": "string",
"description": "Cheaper over full term"
},
"full_term_cost_difference": {
"type": "number",
"description": "Full term cost difference"
},
"monthly_payment_difference": {
"type": "number",
"description": "Monthly payment difference"
}
}
}
}
}
}
}
},
"method": "GET",
"example": {
"note": "Cost of borrowing is interest paid plus upfront fees, counted up to the month you sell or refinance; the break-even month is where the cheaper loan changes.",
"loan_a": {
"principal": 300000,
"total_paid": 682633.47,
"apr_percent": 6.5,
"term_months": 360,
"upfront_fees": 0,
"total_interest": 382633.47,
"monthly_payment": 1896.2,
"total_cost_of_borrowing": 382633.47
},
"loan_b": {
"principal": 300000,
"total_paid": 653514.57,
"apr_percent": 6,
"term_months": 360,
"upfront_fees": 6000,
"total_interest": 347514.57,
"monthly_payment": 1798.65,
"total_cost_of_borrowing": 353514.57
},
"source": "Standard fixed-rate amortization compared month by month",
"holding_period": {
"cost_a": 94605.18,
"cost_b": 93082.16,
"months": 60,
"cheaper": "B"
},
"break_even_month": 48,
"lower_monthly_payment": "B",
"cheaper_over_full_term": "B",
"full_term_cost_difference": 29118.9,
"monthly_payment_difference": 97.55
},
"license": "LicenseRef-Saylor-Agent-Use-1.0",
"mimeType": "application/json",
"freshness": "fetched live (cached up to 1 hour for large reference files)",
"tokenCount": null,
"inputSchema": {
"a_apr": "Loan A rate in percent",
"b_apr": "Loan B rate in percent",
"a_principal": "Loan A amount",
"b_principal": "Loan B amount",
"hold_months": "optional months you expect to keep the loan",
"a_term_months": "Loan A term in months",
"b_term_months": "Loan B term in months",
"a_upfront_fees": "optional Loan A fees and points",
"b_upfront_fees": "optional Loan B fees and points"
},
"serviceName": "Saylor Innovations Data Desk",
"instructions": "STANDARD PATH (works with stock x402 clients): send payload.transaction — a base64 partially-signed Solana transaction — and we route verify/settle through an x402 facilitator that sponsors the fee and submits it. Include the chosen accepts entry as \"accepted\" so we can match terms. ALTERNATIVE PATH (no facilitator): Pick ONE entry from accepts and use the reference and session from THAT entry — each asset has its own. USDC or USDT: send an SPL transfer of the exact amount. Native SOL (asset=So11111111111111111111111111111111111111112, extra.native=true): send that many lamports with a system transfer. Either way include extra.reference as a read-only account (Solana Pay style), then retry with PAYMENT-SIGNATURE: base64({x402Version:2, payload:{session, reference}}). If your client cannot attach a reference, send payload.signature instead (USDC only). SOL amounts are quoted live and expire in 120s; stablecoins do not move. The facilitator path verifies and settles in this request. Only the alternative self-submitted Solana path needs retries while the transfer is indexed (typically 3-4 attempts over 10-20s). On that path, a 402 saying \"payment not found on-chain yet\" means keep retrying.",
"outputSchema": {
"type": "object",
"required": [
"loan_a",
"loan_b"
],
"properties": {
"note": {
"type": "string"
},
"loan_a": {
"type": "object"
},
"loan_b": {
"type": "object"
},
"source": {
"type": "string"
},
"holding_period": {
"type": [
"object",
"null"
],
"properties": {
"cheaper": {
"type": [
"string",
"null"
],
"description": "Cheaper loan over the holding period"
}
}
},
"break_even_month": {
"type": [
"number",
"null"
]
},
"lower_monthly_payment": {
"type": "string"
},
"cheaper_over_full_term": {
"type": "string"
},
"full_term_cost_difference": {
"type": "number"
},
"monthly_payment_difference": {
"type": "number"
}
}
},
"noPathTemplate": true,
"settlementModes": [
"facilitator-transaction",
"self-submitted-reference"
],
"typicalLatencyMs": 700
},
"x402Version": 2
}Accepts
The payment requirements as published to the catalog. Read the live 402 before paying — a price here is a claim, not a quote.
Pay 0.01 USDC on Base to 0xA2A8…fc8aa. The signed payment is good for 2 minutes.
- Paid to
- 0xA2A8…fc8aa
- USD Coin contract
- 0x8335…02913
- Payment window
- 2 minutes
- As published
- 10000 smallest units
- Returns
- application/json
That figure is in the token’s smallest units. Roundhouse does not hold this contract’s decimals, so it is shown as published rather than converted.
- Paid to
- 0xA2A8…fc8aa
- Token contract
- 0x3c49…c3359
- Payment window
- 2 minutes
- Returns
- application/json
That figure is in the token’s smallest units. Roundhouse does not hold this contract’s decimals, so it is shown as published rather than converted.
- Paid to
- 0xA2A8…fc8aa
- Token contract
- 0xaf88…e5831
- Payment window
- 2 minutes
- Returns
- application/json
That figure is in the token’s smallest units. Roundhouse does not hold this contract’s decimals, so it is shown as published rather than converted.
- Paid to
- 7LSjfr…Xacy7
- Token contract
- EPjFWd…TDt1v
- Payment window
- 2 minutes
- Returns
- application/json
That figure is in the token’s smallest units. Roundhouse does not hold this contract’s decimals, so it is shown as published rather than converted.
- Paid to
- 7LSjfr…Xacy7
- Token contract
- Es9vMF…nwNYB
- Payment window
- 2 minutes
- Returns
- application/json
That figure is in the token’s smallest units. Roundhouse does not hold this contract’s decimals, so it is shown as published rather than converted.
- Paid to
- 7LSjfr…Xacy7
- Token contract
- So1111…11112
- Payment window
- 2 minutes
- Returns
- application/json
The catalog’s raw entry
[
{
"asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
"payTo": "0xA2A8dF0f7CaaBEa4e120a2568118f141569fc8aa",
"scheme": "exact",
"network": "eip155:8453",
"mimeType": "application/json",
"resource": "https://saylorinnovations.com/api/finance/loan-comparison",
"description": "",
"maxAmountRequired": "10000",
"maxTimeoutSeconds": 120
},
{
"asset": "0x3c499c542cEF5E3811e1192ce70d8cC03d5c3359",
"payTo": "0xA2A8dF0f7CaaBEa4e120a2568118f141569fc8aa",
"scheme": "exact",
"network": "eip155:137",
"mimeType": "application/json",
"resource": "https://saylorinnovations.com/api/finance/loan-comparison",
"description": "",
"maxAmountRequired": "10000",
"maxTimeoutSeconds": 120
},
{
"asset": "0xaf88d065e77c8cC2239327C5EDb3A432268e5831",
"payTo": "0xA2A8dF0f7CaaBEa4e120a2568118f141569fc8aa",
"scheme": "exact",
"network": "eip155:42161",
"mimeType": "application/json",
"resource": "https://saylorinnovations.com/api/finance/loan-comparison",
"description": "",
"maxAmountRequired": "10000",
"maxTimeoutSeconds": 120
},
{
"asset": "EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v",
"payTo": "7LSjfrJf8fNsB8VA9u7N3WEn25smQLpob3SvyUvXacy7",
"scheme": "exact",
"network": "solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp",
"mimeType": "application/json",
"resource": "https://saylorinnovations.com/api/finance/loan-comparison",
"description": "",
"maxAmountRequired": "10000",
"maxTimeoutSeconds": 120
},
{
"asset": "Es9vMFrzaCERmJfrF4H2FYD4KCoNkY11McCe8BenwNYB",
"payTo": "7LSjfrJf8fNsB8VA9u7N3WEn25smQLpob3SvyUvXacy7",
"scheme": "exact",
"network": "solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp",
"mimeType": "application/json",
"resource": "https://saylorinnovations.com/api/finance/loan-comparison",
"description": "",
"maxAmountRequired": "10000",
"maxTimeoutSeconds": 120
},
{
"asset": "So11111111111111111111111111111111111111112",
"payTo": "7LSjfrJf8fNsB8VA9u7N3WEn25smQLpob3SvyUvXacy7",
"scheme": "exact",
"network": "solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp",
"mimeType": "application/json",
"resource": "https://saylorinnovations.com/api/finance/loan-comparison",
"description": "",
"maxAmountRequired": "91829",
"maxTimeoutSeconds": 120
}
]Provenance
- Seen in the source catalog
- 2026-10-21 05:57Z
- Last indexed by Roundhouse
- 2026-10-23 22:46Z
- Last enriched (probe, favicon, geo)
- 2026-10-23 23:16Z
- x402 version
- 1
- Max timeout
- 120s
- Liveness probe
- HTTP 402
Hand this page to an agent
Copy the prompt and paste it into Claude, an MCP client or your own agent — it will vet this service and call it over the free read API. No key, no account.
GET api.roundhouseai.io/v0/endpoints
This endpoint's own trailing-30-day call count, as published by the upstream catalog and snapshotted daily. 8 snapshots so far. Verified volume counts only settlements with an on-chain EIP-3009 marker.
Show the promptHide the prompt
Using Roundhouse, look up the x402 service saylorinnovations.com and tell me whether it is worth paying: what a call costs, whether the endpoint answered when last probed, and what its payment record actually shows. curl -s 'https://api.roundhouseai.io/v0/endpoints?q=saylorinnovations.com' curl -s 'https://api.roundhouseai.io/v0/merchants/<the payTo wallet returned above>' Then call it: read the price from the live 402 at https://saylorinnovations.com/api/finance/loan-comparison, never from a cached figure, and pay with an x402 client. The /v0 API needs an API key (`authorization: Bearer rh_live_…`) on everything except /v0/unified* and /v0/endpoints. Either pay over x402 (mint a personal key for $0.01 at GET https://api.roundhouseai.io/v0/test/x402), or ask me for an organization key, which I create at https://roundhouseai.io/dashboard/connections. If you have neither, ask before going further. If you do not have Roundhouse tools or skills installed, read https://roundhouseai.io/skill.md first — it is the whole procedure.