Audit financial schedule stress API
Stress-test a caller-supplied loan schedule, cashflow stream, and payout list. Inflows move 7, 14, and 30 days later, outflows stay on their dates, and financing cost uses the supplied annual rate. The math stays in memory. This is not a credit decision.
The Audit financial schedule stress operation is part of the Financial Schedule Stress API on BRAINIAC.software. Stress-test a caller-supplied loan schedule, cashflow stream, and payout list. Inflows move 7, 14, and 30 days later, outflows stay on their dates, and financing cost uses the supplied annual rate. The math stays in memory. This is not a credit decision. It is exposed as POST /api/v1/fintech/schedule-risk-audit and priced at $0.04 USDC on Base. Payment uses the x402 exact scheme: an unpaid call returns HTTP 402 with payment requirements; after paying the exact USDC amount, retry the same request with a payment-signature header and Idempotency-Key. No account and no API key are required. Data sources for this product: Caller-supplied payment schedules, cashflows, rates, and milestones processed locally Limitations: The score counts how many delay cases break the cash floor and how deep the shortfall is. It is not a credit-agency default probability. Inflows move later. Contractual outflows stay on their dates. Interest is simple: amount times the annual rate times the delay in days, divided by 365. It is not compound and it is not a market curve. Amounts are rounded to cents before the walk. No bank, bureau, or market feed is contacted. Outputs are compliance prechecks, drafts, or data lookups for human review. They are not official determinations, legal advice, identity confirmation, or certified filings. Related operations in this group include the other resources on the product page. Open the group documentation for the full request schema, field notes, and response examples before integrating.
/api/v1/fintech/schedule-risk-auditExample request
curl -i -X POST "https://www.brainiac.software/api/v1/fintech/schedule-risk-audit" \
-H 'content-type: application/json' \
-H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
--data-binary @- <<'JSON'
{
"currency": "USD",
"opening_balance": 500,
"minimum_balance": 0,
"annual_rate": 0.1,
"payments": [
{
"date": "2026-04-10",
"amount": 800,
"direction": "out",
"label": "loan installment"
}
],
"cashflows": [
{
"date": "2026-04-01",
"amount": 900,
"direction": "in",
"label": "customer receipt"
}
],
"milestones": [
{
"date": "2026-04-20",
"amount": 200,
"direction": "in",
"label": "payout"
}
]
}
JSONAn unpaid probe returns HTTP 402 with x402 payment requirements. After paying the exact USDC amount on Base, retry the identical request with a payment-signature header.
FAQ
- Do I need an API key? No. Pay the listed USDC amount with x402.
- What network? Base (eip155:8453), USDC.
- Is this an official determination? No. Results are for human review against the cited sources.