# Reputa

> Neutral on-chain risk intelligence for AI agents and humans. Two things: wallet Security/Risk/Reputation scores (how a wallet behaved through real crises, ERC-20 approvals, contact with flagged addresses, Safe/Gnosis checks) and DeFi cover (insurance) analyses (the Assecura score, coverage gap map, claims and payout history, red flags). Read-only. Free discovery and teasers; deep reports are paid per call via the x402 protocol in USDC. No account, no API key.

Reputa is credibly neutral: it does not sell wallets or insurance, it scores them. Not price, not wealth: behaviour and terms. Every score point is explained, every analysis links its primary sources.

## How agents pay (x402)

Paid endpoints return HTTP 402 with a PaymentRequirements body and a free teaser. To pay: sign an EIP-3009 `transferWithAuthorization` (gasless USDC) for the amount and network named in the challenge, then retry the same request with an `X-PAYMENT` header. USDC on Polygon (default) or Base; the exact network and price are advertised in the 402 response. A signed receipt then unlocks the same product for 7 days.

- [x402 manifest](https://reputa.xyz/.well-known/x402.json): machine-readable list of every resource, its price tier, and the full payment flow.
- [OpenAPI spec](https://reputa.xyz/openapi.json): request and response schemas for every endpoint.
- [MCP server on npm](https://www.npmjs.com/package/reputa-mcp): run `npx reputa-mcp`. Exposes every tool below to any MCP client, with optional autonomous x402 payment (set `REPUTA_PAYER_PRIVATE_KEY`). Also in the official MCP registry as `io.github.0xthaner/reputa`.

## DeFi cover (insurance) analyses

> Neutral analyses of on-chain cover products: does the policy actually pay for the risk you are holding? Assecura score 0-100 across 7 categories, real-risk-fit, clause-by-clause coverage gap map (what pays, what is excluded), claims and payout history, capital adequacy, red flags, open questions, and sources. 14 analyses available right now.

- [Cover catalog (free)](https://reputa.xyz/api/cover/v1/analyses): GET. Discovery endpoint. Every scored analysis with Assecura score and band, covered protocol, coverage-gap counts, red flags, cheapest annual premium, and analysis date. Start here.
- [Full cover analysis (paid, x402)](https://reputa.xyz/api/cover/v1/analyses/nexus-mutual/ether-fi-slashing): GET `/api/cover/v1/analyses/{provider}/{product}`, $9.99 per analysis. The complete structured analysis for one product. A free teaser is returned in the 402 body. Provider and product slugs come from the catalog.

## Wallet risk and security

- [Crisis check (free)](https://reputa.xyz/api/crisis-check): POST `{wallet}`. Crisis-behaviour verdict (risk_avoider, risk_manager, or risk_seeker) across 6 real crises plus a security snapshot. Rate limit 20 per minute per IP.
- [ENS resolve (free)](https://reputa.xyz/api/resolve?name=vitalik.eth): GET. Resolve an ENS name to its EVM address.
- [Wallet scores (paid, x402)](https://reputa.xyz/api/scores): POST `{wallet}`. Full Security, Risk, and Reputation scores with reason codes and profile traits.
- [Deep approval scan (paid, x402)](https://reputa.xyz/api/approvals): POST `{wallet}`. Full ERC-20 approval history.
- [Safe check (paid, x402)](https://reputa.xyz/api/safe-check): POST `{wallet}`. Gnosis Safe security: on-chain version, transaction guard, and enabled modules.
- [Safe owner (teaser free, details paid)](https://reputa.xyz/api/safe-owner): POST `{wallet, details}`. Which Safes an address co-controls; full multichain breakdown when `details` is true.
- [Chain history (partly free)](https://reputa.xyz/api/chain-history): POST `{wallet, months}`. Historical ETH and WETH distribution across chains; 3, 6, and 12 months free, 24 months paid.
- [Full wallet report (paid, x402)](https://reputa.xyz/api/full-report): POST `{wallet}`. Scores, traits, Safe config, Safe co-control across all chains, deep approval history, and the 2-year chain distribution in one bundled call.

## MCP tools

- `reputa_cover_list`: list all DeFi cover analyses (free).
- `reputa_cover_analysis`: full cover analysis for one product (paid, x402).
- `reputa_analyze_wallet`: free crisis and security snapshot for a wallet.
- `reputa_wallet_scores`, `reputa_deep_approval_scan`, `reputa_safe_check`, `reputa_safe_owner`, `reputa_chain_history`, `reputa_full_report`: the paid wallet tools, with optional autonomous payment.

## Notes for agents

- Read-only. Reputa never holds funds, never takes custody, and never executes transactions.
- This is informational, not financial or insurance advice. Verify against the primary sources linked inside every analysis before acting.
- Start with the free catalog and teasers to decide what is worth paying for, then pay per call only for what you need.
- Contact: https://x.com/0xreputa