Skill: Investment decision

Bundled execution of the Investment decision workflow — Should we do this project? Run a capital allocation decision (equipment, expansion, acquisition, build-vs-buy) through the textbook CFO workflow: NPV at your hurdle rate, IRR vs. cost of capital, opportunity cost against a passive benchmark, and levered cashflow analysis if the project is debt-financed. Deterministic answers, not a gut call. One x402 payment runs 5 underlying tools (npv, irr, compound-interest, loan-payment, amortization); partial-success per step.

Input

Field	Type	Description
project *	string	What's being evaluated (e.g. "$500,000 equipment purchase returning $150,000/year for 5 years")
hurdleRate	string	Your cost of capital / required return as a decimal (default 0.10 = 10%). Higher for riskier projects.

Example output

{
  "pack": "investment-decision",
  "args": {
    "project": "$500,000 equipment purchase returning $150,000/year for 5 years",
    "hurdleRate": "0.10"
  },
  "steps": [
    {
      "slug": "npv",
      "ok": true,
      "result": {}
    },
    {
      "slug": "irr",
      "ok": true,
      "result": {}
    },
    {
      "slug": "compound-interest",
      "ok": true,
      "result": {}
    },
    {
      "slug": "loan-payment",
      "ok": true,
      "result": {}
    },
    {
      "slug": "amortization",
      "ok": true,
      "result": {}
    }
  ],
  "summary": "5/5 steps succeeded"
}

Try it — see the 402 challenge (free)

curl -i -X POST https://agent402.tools/api/skill/investment-decision \
  -H "Content-Type: application/json" \
  -d '{"project":"$500,000 equipment purchase returning $150,000/year for 5 years","hurdleRate":"0.10"}'

The response is HTTP 402 Payment Required with exact payment requirements. Any x402 v2 client pays automatically and retries:

Paid call (JavaScript agent)

import { wrapFetchWithPayment } from "@x402/fetch";
import { x402Client } from "@x402/core/client";
import { registerExactEvmScheme } from "@x402/evm/exact/client";
import { privateKeyToAccount } from "viem/accounts";

const client = new x402Client();
registerExactEvmScheme(client, { signer: privateKeyToAccount(KEY) });
const payFetch = wrapFetchWithPayment(fetch, client);

const res = await payFetch("https://agent402.tools/api/skill/investment-decision", {
  method: "POST",
  headers: { "Content-Type": "application/json" },
  body: JSON.stringify({
    "project": "$500,000 equipment purchase returning $150,000/year for 5 years",
    "hurdleRate": "0.10"
  }),
});

No wallet? Pay with compute

This is a pure-CPU tool, so an agent without a wallet can pay with proof-of-work instead of USDC: fetch a challenge, solve the sha256 puzzle (16 leading zero bits — a fraction of a second of CPU, no money, no AI tokens), and resend with the X-Pow-Solution header.

import { createHash } from "node:crypto";
const lz = (b) => { let t = 0; for (const x of b) { if (!x) { t += 8; continue; } t += Math.clz32(x) - 24; break; } return t; };
const c = await (await fetch("https://agent402.tools/api/pow/challenge?slug=skill-investment-decision")).json();
let n = 0;
while (lz(createHash("sha256").update(c.challenge + ":" + n).digest()) < c.difficulty) n++;
await fetch("https://agent402.tools/api/skill/investment-decision", { method: "POST", headers: { "X-Pow-Solution": c.token + ":" + n, "Content-Type": "application/json" }, body: JSON.stringify({"project":"$500,000 equipment purchase returning $150,000/year for 5 years","hurdleRate":"0.10"}) });

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