{
  "object": "x402_discovery",
  "property": "apis.credit",
  "status": "ROADMAP",
  "note": "Nothing on this door is callable or metered today. This document is the typed shape x402 metering will take when settlement is live; every resource below carries callable:false and a draft price, and no resource string here is a live endpoint.",
  "network": "base",
  "asset": "USDC",
  "use_restriction": "https://apis.credit/use-restriction",
  "operator": {
    "name": "Do Industries",
    "role": "Publisher of apis.credit and operator of the apis.finance family.",
    "contact": "keys@apis.finance",
    "registered_form": null,
    "jurisdiction_of_organization": null
  },
  "pricing_law": "Price, flat, fixed at post",
  "meter": "No record, no charge. The served record releases the meter; an unavailable upstream and a retry of a failed call do not. A search that returns zero inside a stated scope is a served record and does meter; a lookup that finds no such entity is not, and does not.",
  "fee_line": "Telemetry Fee",
  "rate_card": "https://apis.finance/rate-card.json",
  "resources": [
    {
      "sku": "Business credit / KYB",
      "price": "$3.00 per file pull · DRAFT",
      "status": "ROADMAP",
      "callable": false,
      "pass_through": null
    },
    {
      "sku": "UCC lien search",
      "price": "$4.00 per search · DRAFT",
      "status": "ROADMAP",
      "callable": false,
      "pass_through": "State filing-office fees, at cost, itemized, never marked up"
    }
  ],
  "roadmap": [
    {
      "sku": "The lien stack",
      "price": "Price posts with the SKU",
      "status": "ROADMAP",
      "callable": false
    },
    {
      "sku": "Cash-flow attributes",
      "price": "Price posts with the SKU",
      "status": "ROADMAP",
      "callable": false
    },
    {
      "sku": "Financial statement normalization",
      "price": "Price posts with the SKU",
      "status": "ROADMAP",
      "callable": false
    },
    {
      "sku": "Prequal simulation",
      "price": "Price posts with the SKU",
      "status": "ROADMAP",
      "callable": false
    },
    {
      "sku": "KYB onboarding substrate",
      "price": "Price posts with the SKU",
      "status": "ROADMAP",
      "callable": false
    },
    {
      "sku": "KYA agent scores",
      "price": "Price posts with the SKU",
      "status": "ROADMAP",
      "callable": false
    },
    {
      "sku": "Furnishing to the bureaus",
      "price": "Price posts with the SKU",
      "status": "ROADMAP",
      "callable": false
    },
    {
      "sku": "Consumer credit signals",
      "price": "Price posts with the SKU",
      "status": "ROADMAP",
      "callable": false
    }
  ],
  "refused": {
    "note": "Declaring a consumer purpose on any resource returns a typed BLOCKED. Nothing is metered.",
    "reason": "PURPOSE_OUT_OF_REGIME",
    "statutes": [
      "15 U.S.C. 1681a(d)",
      "15 U.S.C. 1681b"
    ],
    "cure": "CONSUMER_REGIME_NOT_SERVED"
  },
  "permitted_use": {
    "regime": "COMMERCIAL",
    "fcra_consumer_report": false,
    "restriction": "Commercial credit, KYB, and simulation use only. No consumer purpose. This restriction is a term of the call.",
    "terms": "https://apis.credit/use-restriction"
  },
  "contact": "keys@apis.finance"
}