Loan amortization schedule API, pay-per-call at $0.02 via USDC on Base.
What it does
This x402-enabled endpoint at lowpaymentfee.com returns a loan amortization schedule for a specific loan (loan ID 96 in the URL path). It is part of a broader platform offering various pay-per-request APIs spanning data analytics, AI/ML inference, finance, crypto, and utility services — all priced at $0.02 per request and settled in USDC on the Base network via the x402 protocol.
The endpoint accepts POST requests and returns JSON. The x402 challenge confirms the endpoint is live, requiring a maximum of 20,000 base units of USDC (0.02 USD, since USDC uses 6 decimals) per call, paid to address 0x1A2B13E97f5F837C8F9FA1F95a1484B7C70d85F3 on Base. No API keys or rate limits are advertised; access is gated purely by micropayment.
Documentation is extremely sparse. The crawled /docs, /api, /pricing, and /README pages all returned only a "Connect wallet" prompt with no substantive content. There is no OpenAPI schema, no request/response examples, and no description of what fields the POST body should contain or what the schedule response looks like. The loan ID (96) is hard-coded in the URL, and it is unclear whether other loan IDs are available or how loans are created. Prospective users should expect to experiment or contact the provider for integration details.
Capabilities
Use cases
- —Retrieve a loan amortization schedule showing principal, interest, and balance over time
- —Integrate pay-per-call loan schedule data into fintech applications
- —Programmatic access to loan payment breakdowns without API key management
Fit
Best for
- —Developers needing on-demand loan schedule calculations
- —Agents or bots that can settle USDC micropayments on Base
- —Fintech prototypes requiring zero-commitment API access
Not for
- —Users who need detailed API documentation or OpenAPI specs before integrating
- —Applications requiring bulk or batch loan schedule generation at scale (no documented batch endpoint)
- —Users without a Base-compatible USDC wallet
Quick start
curl -X POST https://lowpaymentfee.com/api/v1/loans/96/schedule \
-H "Content-Type: application/json" \
-H "X-PAYMENT: <x402-payment-header>"Endpoint
Quality
The endpoint is live and returns a valid x402 402 challenge with clear pricing. However, there is no OpenAPI schema, no request/response examples, and all documentation pages are empty stubs. The purpose of the specific loan ID 96 is unexplained, and input/output formats are entirely unknown.
Warnings
- —No API documentation available — /docs, /api, /pricing, and /README pages all return only a wallet-connect prompt with no content.
- —No OpenAPI or JSON schema describing request body or response format.
- —Loan ID 96 is hard-coded in the endpoint URL; it is unclear how to access other loans or create new ones.
- —The broader platform lists many API categories but this specific endpoint's functionality is not documented beyond the title 'Premium API Access'.
Citations
- —The endpoint returns a 402 challenge requiring 20,000 base units of USDC (USD Coin) on Base networkhttps://lowpaymentfee.com/api/v1/loans/96/schedule
- —All APIs on the platform are priced at $0.02 per request with no API keys, no rate limits, and instant access on Base networkhttps://lowpaymentfee.com
- —USDC asset contract on Base is 0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913https://lowpaymentfee.com/api/v1/loans/96/schedule