Calculate invoice discounting API

Calculate simple discount and proceeds from supplied face amounts, due dates, as-of date, and discount rate. Not a financing approval.

The Calculate invoice discounting operation is part of the Trade Finance & Receivables Intelligence API on BRAINIAC.software. Calculate simple discount and proceeds from supplied face amounts, due dates, as-of date, and discount rate. Not a financing approval. It is exposed as POST /api/v1/trade-finance/invoice-discounting-calculate 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 invoices, contracts, letters of credit, and trade documents World Bank Open Data (no API key) when requested Limitations: No paid trade-finance data provider is used and no API key is required. Missing amounts, parties, and due dates are not invented. Financing readiness and discounting are descriptive only. A credit or financing decision is never produced. Discrepancy checks compare supplied fields only and do not contact banks or registries. World Bank responses are contextual only when country and indicator codes are supplied. 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 Match trade finance documents, Detect letter of credit discrepancies, Assess invoice financing readiness, Analyze receivable aging risk. Open the group documentation for the full request schema, field notes, and response examples before integrating.

POST$0.04 USDC
/api/v1/trade-finance/invoice-discounting-calculate

Example request

curl -i -X POST "https://www.brainiac.software/api/v1/trade-finance/invoice-discounting-calculate" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "asOf": "2026-10-01",
  "discountRatePct": 6,
  "invoices": [
    {
      "id": "INV-1",
      "number": "INV-1001",
      "dueDate": "2026-12-30",
      "currency": "USD",
      "amount": 100000
    },
    {
      "id": "INV-2",
      "number": "INV-1002",
      "dueDate": "2026-11-15",
      "currency": "USD",
      "amount": 50000
    }
  ]
}
JSON

An 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.

Related APIs

Trade Finance & Receivables Intelligence APIFull docsHow it works