Saylor Innovations Data Desk

Name: Saylor Innovations Data Desk
Price: 0.01 USDC
Availability: InStock

Custom website design, hosting, automation and AI integration for small businesses nationwide. Most builds live in 3 weeks.

DataLiveeip155:8453Exactvia cdp

https://saylorinnovations.com/api/finance/loan-payoff

How much interest do extraPay off a loan early calculatorExtra payment payoff dateMonths saved by paying extraLoan amortization

Calls · 30d

This endpoint's own trailing-30-day call count, as published by the upstream catalog and snapshotted daily. 13 snapshots so far.

$15.76

Verified settled volume

1,657 settlements proven x402 by their on-chain EIP-3009 marker.

$0.010

Listed price

As published in the catalog. Always read the live 402 before paying.

Calls · 30d

Upstream's own call count for this endpoint, not ours.

Unique payers · 30d

Last called 2026-10-19 07:05Z

—

Upstream on-chain volume

Reported by the source catalog.

Paid to

0xA2A8dF0f7CaaBEa4e120a2568118f141569fc8aa

The wallet the 402 directs payment to. Its whole payment record — every payer, every chain — is on the merchant page.

Asset 0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913

Provider

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-payoff",
        "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": "EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v",
      "extra": {
        "memo": "saylor:datadesk:loan-payoff",
        "session": "eyJhcnRpY2xlSWQiOiJkYXRhZGVzazpsb2FuLXBheW9mZiIsInJlZmVyZW5jZSI6IkVlQVk4enVpNmVxSzNjckFhVG9hQUVXUnlMNlBQNU13VnRnSzEzUWRDS21uIiwicmVjaXBpZW50IjoiN0xTamZySmY4Zk5zQjhWQTl1N04zV0VuMjVzbVFMcG9iM1N2eVV2WGFjeTciLCJtaW50IjoiRVBqRldkZDVBdWZxU1NxZU0ycU4xeHp5YmFwQzhHNHdFR0drWnd5VER0MXYiLCJtaW5BbW91bnQiOjEwMDAwLCJleHAiOjE3OTIyNTkyMzE5NTB9._lGEyrjUissSRHxj7lerSDzn_GQG_sYrN9ZSw3Rv5bU",
        "feePayer": "CjNFTjvBhbJJd2B5ePPMHRLx1ELZpa8dwQgGL727eKww",
        "reference": "EeAY8zui6eqK3crAaToaAEWRyL6PP5MwVtgK13QdCKmn"
      },
      "payTo": "7LSjfrJf8fNsB8VA9u7N3WEn25smQLpob3SvyUvXacy7",
      "amount": "10000",
      "scheme": "exact",
      "network": "solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp",
      "maxTimeoutSeconds": 120
    }
  ],
  "resource": {
    "url": "https://saylorinnovations.com/api/finance/loan-payoff?principal=200000&apr=6&term_months=360&extra_monthly=200",
    "tags": [
      "how much interest do extra mortg",
      "pay off a loan early calculator",
      "extra payment payoff date",
      "months saved by paying extra eac",
      "loan amortization with additiona"
    ],
    "iconUrl": "https://saylorinnovations.com/og-image.jpg",
    "mimeType": "application/json",
    "description": "Loan payoff with extra payments - monthly payment, months and interest saved, new payoff length and totals versus the original schedule",
    "serviceName": "Saylor Innovations Data Desk"
  },
  "extensions": {
    "tags": [
      "how much interest do extra mortgage payments save",
      "pay off a loan early calculator",
      "extra payment payoff date",
      "months saved by paying extra each month",
      "loan amortization with additional principal",
      "what if i pay 200 more per month"
    ],
    "bazaar": {
      "info": {
        "input": {
          "type": "http",
          "method": "GET",
          "queryParams": {
            "apr": "6",
            "principal": "200000",
            "term_months": "360",
            "extra_monthly": "200"
          }
        },
        "output": {
          "type": "json",
          "example": {
            "source": "Standard fixed-rate amortization computed month by month",
            "baseline": {
              "months": 360,
              "total_paid": 431676.38,
              "total_interest": 231676.38
            },
            "principal": 200000,
            "with_extra": {
              "months": 252,
              "total_paid": 351875.87,
              "total_interest": 151875.87,
              "monthly_payment": 1399.1
            },
            "apr_percent": 6,
            "term_months": 360,
            "months_saved": 108,
            "interest_saved": 79800.51,
            "monthly_payment": 1199.1,
            "payoff_years_with_extra": 21
          }
        }
      },
      "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",
                  "POST",
                  "PUT",
                  "PATCH",
                  "DELETE",
                  "HEAD"
                ],
                "type": "string"
              },
              "queryParams": {
                "type": "object",
                "required": [
                  "principal",
                  "apr",
                  "term_months"
                ],
                "properties": {
                  "apr": {
                    "type": "string",
                    "description": "Annual rate in percent"
                  },
                  "principal": {
                    "type": "string",
                    "description": "Loan amount"
                  },
                  "term_months": {
                    "type": "string",
                    "description": "Loan term in months"
                  },
                  "extra_monthly": {
                    "type": "string",
                    "description": "optional extra payment each month"
                  }
                }
              }
            },
            "additionalProperties": false
          },
          "output": {
            "type": "object",
            "required": [
              "type"
            ],
            "properties": {
              "type": {
                "type": "string",
                "const": "json"
              },
              "example": {
                "type": "object",
                "required": [
                  "monthly_payment",
                  "baseline",
                  "with_extra"
                ],
                "properties": {
                  "source": {
                    "type": "string",
                    "description": "Data source the values come from"
                  },
                  "baseline": {
                    "type": "object",
                    "description": "Original schedule: months, total interest and total paid"
                  },
                  "principal": {
                    "type": "number",
                    "description": "Starting principal amount"
                  },
                  "with_extra": {
                    "type": "object",
                    "description": "With extra"
                  },
                  "apr_percent": {
                    "type": "number",
                    "description": "Apr, as a percentage"
                  },
                  "term_months": {
                    "type": "number",
                    "description": "Term months"
                  },
                  "months_saved": {
                    "type": "number",
                    "description": "Months saved"
                  },
                  "interest_saved": {
                    "type": "number",
                    "description": "Interest saved"
                  },
                  "monthly_payment": {
                    "type": "number",
                    "description": "Monthly payment amount"
                  },
                  "payoff_years_with_extra": {
                    "type": [
                      "number",
                      "null"
                    ],
                    "description": "Payoff years with extra"
                  }
                }
              }
            }
          }
        }
      }
    },
    "method": "GET",
    "example": {
      "source": "Standard fixed-rate amortization computed month by month",
      "baseline": {
        "months": 360,
        "total_paid": 431676.38,
        "total_interest": 231676.38
      },
      "principal": 200000,
      "with_extra": {
        "months": 252,
        "total_paid": 351875.87,
        "total_interest": 151875.87,
        "monthly_payment": 1399.1
      },
      "apr_percent": 6,
      "term_months": 360,
      "months_saved": 108,
      "interest_saved": 79800.51,
      "monthly_payment": 1199.1,
      "payoff_years_with_extra": 21
    },
    "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": {
      "apr": "Annual rate in percent",
      "lump_sum": "optional one-time extra payment now",
      "principal": "Loan amount",
      "term_months": "Loan term in months",
      "extra_monthly": "optional extra payment each month"
    },
    "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": [
        "monthly_payment",
        "baseline",
        "with_extra"
      ],
      "properties": {
        "source": {
          "type": "string"
        },
        "baseline": {
          "type": "object",
          "description": "Original schedule: months, total interest and total paid"
        },
        "principal": {
          "type": "number"
        },
        "with_extra": {
          "type": "object"
        },
        "apr_percent": {
          "type": "number"
        },
        "term_months": {
          "type": "number"
        },
        "months_saved": {
          "type": "number"
        },
        "interest_saved": {
          "type": "number"
        },
        "monthly_payment": {
          "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.

0.01USDC≈ $0.01 USD

on Base · exact scheme

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

10000units

on Polygon · exact scheme