creditor_ref
ISO 11649 creditor reference. RF, two check digits, then up to 21 letters or digits. Spaces, hyphens, dots, commas, slashes and colons are ignored. The check moves RF and the two digits to the end and requires ISO 7064 mod 97-10 to be 1. This does not look the creditor up. Price: $0.001 USDC per ...
This record as markdown: /tools/com-it-scorptech-x402/creditor-ref.md
What creditor_ref does on ScorpTech x402 API
AI agents call creditor_ref to retrieve information from ScorpTech x402 API without modifying anything. It is typically the context-gathering step in research, monitoring, and reporting workflows, before the agent takes action elsewhere.
| Parameter | Type | Required | Description |
|---|---|---|---|
value | string | Yes |
Parameters from the server's own tool schema.
Why creditor_ref is rated Low
Even though creditor_ref only reads data, uncontrolled read access leaks sensitive information and racks up API costs: an agent caught in a retry loop can make thousands of calls a minute without anyone noticing.
Attacks that exploit this kind of access
The rule that runs creditor_ref safely
PolicyLayer is an MCP gateway: it sits between your AI agents and ScorpTech x402 API, and checks every tool call against a rule you set before the call runs. Nothing changes on the server itself. For creditor_ref, this is the rule to start with:
creditor_ref is read-only, so it stays allowed. Everything else on the server is denied unless you say otherwise.
The button opens the PolicyLayer dashboard: create your workspace, connect ScorpTech x402 API, apply this rule, and every creditor_ref call is checked against it from then on.
Questions about creditor_ref
ISO 11649 creditor reference. RF, two check digits, then up to 21 letters or digits. Spaces, hyphens, dots, commas, slashes and colons are ignored. The check moves RF and the two digits to the end and requires ISO 7064 mod 97-10 to be 1. This does not look the creditor up. Price: $0.001 USDC per successful call (x402, Solana). Same tool over HTTPS: GET https://scorptech.it.com/api/x402/v1/creditor-ref. It is categorised as a Read tool in the ScorpTech x402 API MCP Server, which means it retrieves data without modifying state.
creditor_ref accepts 1 parameter: value. Required: value. The full parameter table on this page comes from the server's own tool schema.
Register the ScorpTech x402 API MCP server in PolicyLayer and add a rule for creditor_ref: allow, deny, rate-limit, or require approval. Point your MCP client at the PolicyLayer proxy URL and the rule is enforced on every call, before it reaches ScorpTech x402 API. Nothing to install.
creditor_ref is a Read tool with low risk. Read-only tools are generally safe to allow by default.
Yes. Add a rate_limit block to the creditor_ref rule in your PolicyLayer policy. For example, setting max: 10 and window: 60 limits the tool to 10 calls per minute. Rate limits are tracked per agent session and reset automatically.
Set action: deny in the PolicyLayer policy for creditor_ref. The AI agent will receive a policy violation error and cannot call the tool. You can also include a reason field to explain why the tool is blocked.
creditor_ref is provided by the ScorpTech x402 API MCP server (https://scorptech.it.com/api/x402/mcp). PolicyLayer sits as a proxy in front of this server to enforce policies before tool calls reach the server.
More on ScorpTech x402 API, and thousands of servers like it.
This server
Across the catalogue