Loan amortization schedule API, pay-per-request via x402 on Base (USDC).
What it does
This endpoint at lowpaymentfee.com returns a loan amortization schedule for a specific loan (loan ID 21 in the URL path). It is part of a broader platform offering dozens of pay-per-call APIs spanning data analytics, AI/ML inference, finance, crypto, and utility services — all gated behind the x402 payment protocol on the Base network using USDC.
The specific endpoint `/api/v1/loans/21/schedule` accepts POST requests and returns JSON. The x402 challenge advertises a maximum cost of 20,000 base units of USDC (0x8335… on Base), which equals $0.02 per request (USDC uses 6 decimals). The platform's landing page confirms uniform $0.02/request pricing across all endpoints, with no API keys, no rate limits, and no minimum commitments required.
Documentation is extremely sparse — the /docs, /api, /pricing, and /README pages all render only a "Connect wallet" prompt with no further content. There is no OpenAPI spec, no request/response schema documentation, and no examples of what parameters the POST body should contain or what the schedule response looks like. The endpoint is live (returns a proper 402 challenge), but without documentation it is difficult to know what input fields are expected or what the output structure is. The loan schedule concept suggests it likely returns a table of periodic payments with principal, interest, and balance breakdowns, but this is inference only.
Capabilities
Use cases
- —Generating an amortization schedule for a loan to see payment breakdowns over time
- —Integrating loan schedule data into a financial planning application
- —Agent-driven loan analysis where per-call payment avoids subscription overhead
Fit
Best for
- —Developers needing on-demand loan schedule calculations without API key management
- —AI agents that can pay per-request via x402 for financial computations
- —Applications requiring simple pay-as-you-go access to loan math
Not for
- —Users who need detailed API documentation before integrating
- —High-volume batch processing where $0.02/request adds up significantly
- —Anyone without a Base-network USDC wallet for x402 payments
Quick start
curl -X POST https://lowpaymentfee.com/api/v1/loans/21/schedule \
-H "Content-Type: application/json" \
-H "X-PAYMENT: <x402-payment-token>" \
-d '{}'Endpoint
Quality
The endpoint is live and returns a valid x402 challenge with clear pricing, but there is zero documentation on request parameters or response schema. The /docs, /pricing, and /README pages are empty beyond a wallet connect prompt. The loan schedule endpoint path is hardcoded to loan ID 21 with no explanation of what that represents. Effectively a stub listing.
Warnings
- —No API documentation available — /docs, /api, /pricing, /README all show only 'Connect wallet'
- —No OpenAPI spec or request/response schema provided
- —Endpoint path is hardcoded to loan ID 21; unclear if other loan IDs are supported or what they represent
- —Request body format is entirely unknown — no examples or field descriptions anywhere
Citations
- —Uniform $0.02/request pricing, no API keys, no rate limits, Base networkhttps://lowpaymentfee.com
- —x402 challenge returns maxAmountRequired of 20000 base units of USDC on Basehttps://lowpaymentfee.com/api/v1/loans/21/schedule
- —USDC asset address 0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913 on Basehttps://lowpaymentfee.com/api/v1/loans/21/schedule