---
title: "x402 Settlement Cost & Finality Modeler"
method: POST
path: "/v1/tools/model_x402_settlement"
tags: ["TODO_TAGS_REVIEW"]
---

# x402 Settlement Cost & Finality Modeler

`POST /v1/tools/model_x402_settlement`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/model_x402_settlement`
- Auth: none declared

Rail-selection and finality recommendation across x402 (HTTP 402), Stripe USDC, card, ACH, and SWIFT. Per-transaction cost, eligibility scoring, micropayment support, cross-border flags. ~69k active agents / 165M+ x402 txns (2026).

**Tool URL:** https://ainumbers.co/chaingraph/art-03-x402-settlement-modeler.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `amount_usd` number, required
  - `monthly_volume` number
  - `payment_type` 'micropayment' | 'retail' | 'b2b' | 'cross_border'
  - `finality_requirement` 'instant' | 'fast' | 'minutes' | 'hours' | 'days'

## Response `200`

Successful tool execution result

- object
  - `eligible_rails` string[]
  - `finality_sec` integer
  - `monthly_cost_usd` integer
  - `per_tx_fee_usd` number
  - `recommended_rail` string

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)