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 74 in the URL path). It is part of a broader platform offering pay-per-call APIs across data analytics, AI/ML, finance, and utility categories, all settled via the x402 protocol on the Base network using USDC.
The endpoint is live and returns a 402 challenge requesting payment of up to 20,000 base units of USDC (0.02 USD, since USDC uses 6 decimals) per request. Payment is made via the x402 "exact" scheme to a specified wallet address. The response MIME type is application/json, and the endpoint accepts POST requests. 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 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 the loan schedule response looks like. The loan ID (74) is hardcoded in the endpoint path, and it is unclear whether other loan IDs are available or how to create/reference loans. The platform's landing page lists many other endpoints at $0.02 each but does not include this specific loans/schedule endpoint in its public catalog.
Capabilities
Use cases
- —Retrieve an amortization schedule for a loan to see principal and interest breakdowns per period
- —Integrate loan schedule data into a financial planning application
- —Automate loan analysis workflows with per-call payment and no API key management
Fit
Best for
- —Agents or apps needing on-demand loan amortization data without subscription commitments
- —Developers prototyping financial tools who want instant API access via crypto micropayments
- —Automated pipelines that need pay-per-use financial calculations on Base/USDC
Not for
- —Users who need detailed API documentation or request/response schemas before integrating
- —High-volume loan processing where per-call pricing may add up compared to bulk alternatives
- —Users without a Base-network USDC wallet or x402-compatible client
Quick start
curl -X POST https://lowpaymentfee.com/api/v1/loans/74/schedule \
-H "X-PAYMENT: <x402-payment-header>" \
-H "Content-Type: application/json"Endpoint
Quality
The endpoint is live (402 challenge confirmed) and pricing is clear ($0.02 USDC per call), but there is no documentation, no OpenAPI spec, no request/response schema, and no examples. The loan endpoint is not even listed on the provider's own landing page catalog. This is effectively a stub listing.
Warnings
- —No API documentation available — docs, pricing, and README pages all render only a wallet-connect prompt
- —No request body schema or response schema documented; unknown what fields to send or what the schedule response contains
- —The specific /api/v1/loans/74/schedule endpoint is not listed in the provider's public API catalog on the landing page
- —Loan ID 74 is hardcoded in the path; unclear if other loan IDs exist or how they are created
- —No OpenAPI or ai-plugin manifest found
Citations
- —The endpoint returns a 402 challenge with maxAmountRequired of 20000 base units of USDC on Base networkhttps://lowpaymentfee.com/api/v1/loans/74/schedule
- —USDC asset contract on Base is 0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913https://lowpaymentfee.com/api/v1/loans/74/schedule
- —Platform advertises $0.02 per request, no API keys, no rate limits, instant access on Base networkhttps://lowpaymentfee.com