← The evidence ledger
Evidence row 119904
Observed , by baseline/1.
- Kind
- listing
- About
- source_record x402_bazaar:https://saylorinnovations.com/api/finance/refinance
- Recorded
- Previous row
- None: the first of its kind about this subject
- Body SHA-256
- 3291fb7f1a0a50f2d473825d41c3361a6d6f3c4053534d1d6ff2f44e76a7f09d
- Leaf
- 0x97f79609875f60bb6b73810364d0cdf54226535fc5c98ec039b40832f4942ee7
What was observed
{
"endpoints": [
[
"x402",
"https://saylorinnovations.com/api/finance/refinance"
]
],
"name": "Saylor Innovations Data Desk",
"owner_address": "0xa2a8df0f7caabea4e120a2568118f141569fc8aa",
"raw": {
"accepts": [
{
"amount": "10000",
"asset": "0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913",
"extra": {
"assetTransferMethod": "eip3009",
"facilitatorOnly": true,
"memo": "saylor:datadesk:refinance-breake",
"name": "USD Coin",
"note": "Base settles through an x402 facilitator. Send payload.signature and payload.authorization (EIP-3009); there is no self-submitted path on this network.",
"version": "2"
},
"maxTimeoutSeconds": 120,
"network": "eip155:8453",
"payTo": "0xA2A8dF0f7CaaBEa4e120a2568118f141569fc8aa",
"scheme": "exact"
},
{
"amount": "10000",
"asset": "0x3c499c542cEF5E3811e1192ce70d8cC03d5c3359",
"extra": {
"assetTransferMethod": "eip3009",
"facilitatorOnly": true,
"memo": "saylor:datadesk:refinance-breake",
"name": "USD Coin",
"note": "Polygon settles through an x402 facilitator. Send payload.signature and payload.authorization (EIP-3009); there is no self-submitted path on this network.",
"version": "2"
},
"maxTimeoutSeconds": 120,
"network": "eip155:137",
"payTo": "0xA2A8dF0f7CaaBEa4e120a2568118f141569fc8aa",
"scheme": "exact"
},
{
"amount": "10000",
"asset": "0xaf88d065e77c8cC2239327C5EDb3A432268e5831",
"extra": {
"assetTransferMethod": "eip3009",
"facilitatorOnly": true,
"memo": "saylor:datadesk:refinance-breake",
"name": "USD Coin",
"note": "Arbitrum settles through an x402 facilitator. Send payload.signature and payload.authorization (EIP-3009); there is no self-submitted path on this network.",
"version": "2"
},
"maxTimeoutSeconds": 120,
"network": "eip155:42161",
"payTo": "0xA2A8dF0f7CaaBEa4e120a2568118f141569fc8aa",
"scheme": "exact"
},
{
"amount": "10000",
"asset": "EPjFWdd5AufqSSqeM2qN1xzybapC8G4wEGGkZwyTDt1v",
"extra": {
"feePayer": "GVJJ7rdGiXr5xaYbRwRbjfaJL7fmwRygFi1H6aGqDveb",
"memo": "saylor:datadesk:refinance-breake",
"reference": "H3buDi6NHzU9yu64vqRDtTo3239PyLA5AZdst29MsmKw",
"session": "eyJhcnRpY2xlSWQiOiJkYXRhZGVzazpyZWZpbmFuY2UtYnJlYWtldmVuIiwicmVmZXJlbmNlIjoiSDNidURpNk5IelU5eXU2NHZxUkR0VG8zMjM5UHlMQTVBWmRzdDI5TXNtS3ciLCJyZWNpcGllbnQiOiI3TFNqZnJKZjhmTnNCOFZBOXU3TjNXRW4yNXNtUUxwb2IzU3Z5VXZYYWN5NyIsIm1pbnQiOiJFUGpGV2RkNUF1ZnFTU3FlTTJxTjF4enliYXBDOEc0d0VHR2tad3lURHQxdiIsIm1pbkFtb3VudCI6MTAwMDAsImV4cCI6MTc5MjU2MjM0Njk1NH0.Ri2H5NWYanNrY-T5KX1_VVCyokUNOg9Mb3elaE3v0f0"
},
"maxTimeoutSeconds": 120,
"network": "solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp",
"payTo": "7LSjfrJf8fNsB8VA9u7N3WEn25smQLpob3SvyUvXacy7",
"scheme": "exact"
},
{
"amount": "10000",
"asset": "Es9vMFrzaCERmJfrF4H2FYD4KCoNkY11McCe8BenwNYB",
"extra": {
"feePayer": "GVJJ7rdGiXr5xaYbRwRbjfaJL7fmwRygFi1H6aGqDveb",
"memo": "saylor:datadesk:refinance-breake",
"reference": "6WQ87DwxbN5TPc9mXbDFZyPejRTteAf591cKbPBHbZH9",
"session": "eyJhcnRpY2xlSWQiOiJkYXRhZGVzazpyZWZpbmFuY2UtYnJlYWtldmVuIiwicmVmZXJlbmNlIjoiNldRODdEd3hiTjVUUGM5bVhiREZaeVBlalJUdGVBZjU5MWNLYlBCSGJaSDkiLCJyZWNpcGllbnQiOiI3TFNqZnJKZjhmTnNCOFZBOXU3TjNXRW4yNXNtUUxwb2IzU3Z5VXZYYWN5NyIsIm1pbnQiOiJFczl2TUZyemFDRVJtSmZyRjRIMkZZRDRLQ29Oa1kxMU1jQ2U4QmVud05ZQiIsIm1pbkFtb3VudCI6MTAwMDAsImV4cCI6MTc5MjU2MjM0Njk1NH0.hnUd0Jigc0_O5dfYOwQpDrElm-shisv3BsZ93vxy260"
},
"maxTimeoutSeconds": 120,
"network": "solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp",
"payTo": "7LSjfrJf8fNsB8VA9u7N3WEn25smQLpob3SvyUvXacy7",
"scheme": "exact"
},
{
"amount": "91829",
"asset": "So11111111111111111111111111111111111111112",
"extra": {
"memo": "saylor:datadesk:refinance-breake",
"native": true,
"note": "Native SOL: send lamports with a system transfer, not an SPL transfer. Price is quoted live and this quote expires in 120s.",
"quotedLamports": "94670",
"reference": "9tGFBEeUMg36kWa4Q9ymjTpD71cgGn6VyoxodoHKKMkW",
"session": "eyJhcnRpY2xlSWQiOiJkYXRhZGVzazpyZWZpbmFuY2UtYnJlYWtldmVuIiwicmVmZXJlbmNlIjoiOXRHRkJFZVVNZzM2a1dhNFE5eW1qVHBENzFjZ0duNlZ5b3hvZG9IS0tNa1ciLCJyZWNpcGllbnQiOiI3TFNqZnJKZjhmTnNCOFZBOXU3TjNXRW4yNXNtUUxwb2IzU3Z5VXZYYWN5NyIsIm1pbnQiOm51bGwsIm1pbkFtb3VudCI6OTE4MjksImV4cCI6MTc5MjU2MjM0Njk1NH0.d7u0ulx_kWQm6vfYggQJVu-OLJ-KQfURQ8VrHrzkizU",
"solUsdPrice": 105.63
},
"maxTimeoutSeconds": 120,
"network": "solana:5eykt4UsFv8P8NJdTREpY1vzqKqZKvdp",
"payTo": "7LSjfrJf8fNsB8VA9u7N3WEn25smQLpob3SvyUvXacy7",
"scheme": "exact"
}
],
"description": "Refinance comparison: new payment, months to recoup closing costs, remaining interest on each loan and lifetime savings, with optional costs rolled into the loan.",
"extensions": {
"bazaar": {
"info": {
"input": {
"method": "GET",
"queryParams": {
"balance": "280000",
"closing_costs": "5500",
"current_rate_percent": "7.25",
"new_rate_percent": "6.1",
"new_term_years": "30",
"remaining_years": "27"
},
"type": "http"
},
"output": {
"example": {
"breakeven_months": 20,
"breakeven_years": 1.67,
"closing_costs": 5500,
"costs_rolled_into_loan": false,
"current_payment": 1971.74,
"lifetime_savings": 22502.05,
"monthly_change": -274.96,
"new_loan_amount": 280000,
"new_payment": 1696.79,
"note": "Lifetime savings compare the remaining payments on the current loan with all payments on the new one plus upfront closing costs. Stretching the term can lower the payment while raising total interest, so read both.",
"remaining_interest_current": 358844.79,
"source": "Amortizing loan payment formula",
"term_extended_months": 36,
"total_cost_current": 638844.79,
"total_cost_new_including_closing": 616342.74,
"total_interest_new": 330842.74,
"worth_it": true
},
"type": "json"
}
},
"schema": {
"$schema": "https://json-schema.org/draft/2020-12/schema",
"properties": {
"input": {
"additionalProperties": false,
"properties": {
"method": {
"enum": [
"GET"
],
"type": "string"
},
"queryParams": {
"properties": {
"balance": {
"description": "current loan balance",
"type": "string"
},
"closing_costs": {
"description": "optional closing costs",
"type": "string"
},
"current_rate_percent": {
"description": "current interest rate",
"type": "string"
},
"new_rate_percent": {
"description": "new interest rate",
"type": "string"
},
"new_term_years": {
"description": "new loan term in years",
"type": "string"
},
"remaining_years": {
"description": "years left on the current loan",
"type": "string"
}
},
"required": [
"balance",
"current_rate_percent",
"remaining_years",
"new_rate_percent",
"new_term_years"
],
"type": "object"
},
"type": {
"const": "http",
"type": "string"
}
},
"required": [
"type",
"method"
],
"type": "object"
},
"output": {
"properties": {
"example": {
"properties": {
"breakeven_months": {
"description": "Months of savings needed to recoup upfront costs, null if no saving",
"type": [
"number",
"null"
]
},
"breakeven_years": {
"description": "Break-even in years",
"type": [
"number",
"null"
]
},
"closing_costs": {
"description": "Closing costs used",
"type": "number"
},
"costs_rolled_into_loan": {
"description": "Whether the costs were financed",
"type": "boolean"
},
"current_payment": {
"description": "Monthly payment on the existing loan",
"type": "number"
},
"lifetime_savings": {
"description": "Current total cost minus new total cost",
"type": "number"
},
"monthly_change": {
"description": "New payment minus current payment (negative is a saving)",
"type": "number"
},
"new_loan_amount": {
"description": "New principal, including rolled-in costs if chosen",
"type": "number"
},
"new_payment": {
"description": "Monthly payment on the new loan",
"type": "number"
},
"note": {
"description": "Plain-language caveat about how to read and use the result",
"type": "string"
},
"remaining_interest_current": {
"description": "Interest left to pay on the current loan",
"type": "number"
},
"source": {
"description": "Where the data or formula comes from",
"type": "string"
},
"term_extended_months": {
"description": "Change in the number of payments",
"type": "number"
},
"total_cost_current": {
"description": "All remaining payments on the current loan",
"type": "number"
},
"total_cost_new_including_closing": {
"description": "All new payments plus upfront closing costs",
"type": "number"
},
"total_interest_new": {
"description": "Total interest on the new loan",
"type": "number"
},
"worth_it": {
"description": "True when the break-even exists and lifetime cost falls",
"type": "boolean"
}
},
"required": [
"new_payment",
"breakeven_months"
],
"type": "object"
},
"type": {
"const": "json",
"type": "string"
}
},
"required": [
"type"
],
"type": "object"
}
},
"required": [
"input"
],
"type": "object"
}
}
},
"iconUrl": "https://res.cloudinary.com/bdb-prod/image/upload/c_fill,ar_1:1,w_256,h_256,f_auto,q_auto/v1791811517/bazaar-icons/bc5e2b3d111ebbef.jpg",
"lastUpdated": "2026-10-21T05:57:07.007Z",
"quality": {
"l30DaysTotalCalls": 2,
"l30DaysUniquePayers": 2,
"lastCalledAt": "2026-10-21T05:57:06.64Z"
},
"resource": "https://saylorinnovations.com/api/finance/refinance",
"serviceName": "Saylor Innovations Data Desk",
"tags": [
"refinance calculator",
"refinance break even months",
"is refinancing worth it",
"new mortgage payment savings",
"closing costs payback"
],
"type": "http",
"x402Version": 2
},
"source": "x402_bazaar",
"summary": "Refinance comparison: new payment, months to recoup closing costs, remaining interest on each loan and lifetime savings, with optional costs rolled into the loan."
}What the leaf hashes
{"body":"3291fb7f1a0a50f2d473825d41c3361a6d6f3c4053534d1d6ff2f44e76a7f09d","id":119904,"kind":"listing","method":"baseline/1","observed_us":1793025616919753,"prev":null,"subject":"x402_bazaar:https://saylorinnovations.com/api/finance/refinance","subject_kind":"source_record"}Proof
Fold these into the leaf in order, hashing each sorted pair with keccak256, to reach the root of (296695 rows).
- 0x97f66f1af6c38c3ccfe5ae91f0e53ecbfd4a66b1dffac7c58ae3f56e8abea554
- 0x7ec0bce5710ec9d6cb03554893a681c16eb65afb9014cd09d4b7e13e48d7ac9b
- 0xaf1249cbaa722891735866e6b0c874482fc3eeb726ced8fb992e5ea986efaaef
- 0x9a6b8277f9400981efd1fd84e0d2531327e627455a87e21f0c4f5e369437af66
- 0x86d1382edbaefc9d907d6e9a513ec379dd0b576cc125582c87cfcdeed4d76c3a
- 0x85300d808c59ecc28e6bd3dca5a6c25964bfabcf3acc03d7460a27c47d83582d
- 0x2c6857b5c0c502e7c82f363a4c9552849e92d0015fb28c7af9b5cc82f0a00f82
- 0x7b96c9d1d5408fdf47d98506c45b9e5489a8ad7c41e2855d7571305d0dc3b2ad
- 0x25d1ea1d0d5fab7b21924d98cb519f19fa869c9a1fbc859dc895a6877626bb0d
- 0x62dba386f50cb8efacb93dad4cf930ac3e24a2aa9dd76d9a72cb57081301531b
- 0xdc8fbefd31fb9903d70279fafdb3f8c1ade2281bea30bd73cec515e9ff4113ed
- 0x6ae9e6ee1b544d831982666bd3570457659e78fc0064894d7ec23f971a37ff2f
- 0x239fd39716710e7412bd120c373072b4c0d8b11bb9ee431dad62a2ce57b3d6f4
- 0x49062da782c4f73855ddd5fdd51840749f928b5f17d1ce75ac50f2d829104e72
- 0xf0bd63870f0bb378fa300bd33563050dcb7b3e02b44eb3ee550c1c534ec4b246
- 0x1ac20d30773e1f4f2f811540e9a99b5cca9177c9e2e029acc0d80cf3f1d11f0f
- 0xd21942ae3214eff88e08ab04884fd4b11958b51af9a0741b7668e2d07a2c56c9
- 0x9a9024edb5069d88a324facb310a5ce8e495214bbaa968f077bede437390194f
- 0x9b9ce5b74b9bab5121612ef6b64920a8d453cbf311096a423eef9702747e868a
- Day root
- 0xf43e8dcc3d451a4788b26be904c55e8c4c0fa75c9666796c51db38d37e2c0df8
- Chained
- 0x702d5ac508f08b0d1accf36af25822d8e5660367494edd17a642fb61e158a57a
- Published
- On Arc Testnet, block 69251483: 0x495162f8936e19f0039918feebe6c307f327cd6bf8c37219620b1970041fa9ae