Analyze receivable aging risk API

Bucket supplied invoice outstanding amounts by days past due from the as-of date. Missing due dates stay unlabeled.

The Analyze receivable aging risk operation is part of the Trade Finance & Receivables Intelligence API on BRAINIAC.software. Bucket supplied invoice outstanding amounts by days past due from the as-of date. Missing due dates stay unlabeled. It is exposed as POST /api/v1/trade-finance/receivable-aging-risk-analyze 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, Detect invoice assignment conflicts. Open the group documentation for the full request schema, field notes, and response examples before integrating.

POST$0.04 USDC
/api/v1/trade-finance/receivable-aging-risk-analyze

Example request

curl -i -X POST "https://www.brainiac.software/api/v1/trade-finance/receivable-aging-risk-analyze" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "asOf": "2026-11-01",
  "invoices": [
    {
      "id": "INV-1",
      "number": "INV-1001",
      "dueDate": "2026-10-15",
      "currency": "USD",
      "amount": 100000,
      "outstanding": 100000,
      "buyer": "Buyer Co",
      "seller": "Seller Co"
    },
    {
      "id": "INV-2",
      "number": "INV-1002",
      "dueDate": "2026-09-01",
      "currency": "USD",
      "amount": 40000,
      "outstanding": 40000,
      "buyer": "Other Co",
      "seller": "Seller Co"
    },
    {
      "id": "INV-3",
      "number": "INV-1003",
      "dueDate": "2026-11-15",
      "currency": "USD",
      "amount": 25000,
      "outstanding": 25000,
      "buyer": "Buyer Co",
      "seller": "Seller Co"
    }
  ]
}
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