What you pay for: one JSON response per paid call. Prices are fixed and listed in the 402 challenge, OpenAPI and docs: /v1/banks/{cert} $0.01, /v1/banks/screen $0.02 (USDC on Base).
No accounts, no prepayment, no stored balances. Each call is paid individually via x402. We never hold your funds.
You are only charged for successful responses. The payment is verified first, the response is computed, and it is settled only if the response is HTTP 2xx. Errors (400 invalid input, 404 unknown bank, 5xx) are never settled, so your signed authorization expires unused. If settlement fails, you get no data and are not charged.
Refunds: if a settled response is clearly wrong because of our bug (e.g. it contradicts the FDIC source URL it cites), report the transaction hash. We will fix the data and note it in the changelog. Refund requests are handled case by case to the paying address.
Free verification: use /v1/banks/sample, /v1/banks/search and /v1/free/banks/{cert} (5/day/IP) before paying.
Not advice: metrics are derived from public FDIC data for information only. They are not investment, credit, legal or regulatory advice and not a rating. Check the cited FDIC source before relying on a number.
Data license: source data is US government public data (FDIC). Our derived metrics may be reused with attribution to this service.
Rate limits: the free tier is 5 lookups/day/IP. Paid calls are not artificially limited, but abusive traffic may be blocked.
Data: FDIC BankFind Suite (public Call Report data). Derived metrics are informational only and are not investment, credit or legal advice. Open methodology v1.0.0. Terms & refunds · llms.txt · OpenAPI · x402