- Registers a new loan in the system
- Accepts borrower, lender, servicer, and loan-specific details
- Generates a unique loan ID and blockchain transaction hash
- When setting up a new loan agreement
- After underwriting approval and before requesting collateral
- To capture borrower identity and financial metadata
Request Body
The request body should include loan and borrower details. TheRequest object contains applicant information, application details, vehicle information, and requested terms. The Response object contains risk assessment results including decision, credit scores, and approved loan terms:
Copy
{
"applicationId": "app-1234-5678-9012",
"borrowerId": "u123",
"lenderId": "u456",
"primaryServicerId": "serv001",
"secondaryServicerId": "serv002",
"loanType": "AutoLoan",
"principalAmount": 28875,
"loanAmount": 29163.75,
"collateralType": "Vehicles",
"encumberedStatus": "Unencumbered",
"interestRate": 10.83,
"term": 36,
"delinquentAmount": 0,
"delinquentDays": 0,
"paymentFrequency": "Monthly",
"installment": 36,
"originationDate": "2024-06-01",
"maturityDate": "2027-06-01",
"firstPaymentDate": "2024-07-01",
"lastPaymentDate": "2027-06-01",
"nextPaymentDate": "2024-08-01",
"defaultProbability": 0.0038,
"grade": "A",
"predictedPrincipalPaid": 28821.35,
"predictedInterestPaid": 4819.16,
"predictedChargeoffAmount": 53.65,
"predictedRecoveredAmount": 18.63,
"predictedGrossCashflow": 33659.14,
"predictedNetCashflow": 32330.15,
"predictedYield": 0.1259,
"apr": 0.1072,
"fairValuePrice": 29751.11,
"lendingDecisionReason": "Approved based on risk assessment",
"creditReportHash": "0xabc123def4567890",
"retailInstallmentContractHash": "0x0987fedc6543210a",
"applicantCreditVision": "FICO 753, stable income, low credit utilization",
"coApplicantCreditVision": "",
"macroEconomicFeatures": {
"unemployment": 3.8,
"cpi": 3.1,
"fedRate": 5.25
},
"Request": {
"ApplicantInfo": {
"AddressFull": "8329 74TH, SCOTTSDALE, AZ 85258-2704",
"AddressTotalMonths": null,
"ApplicantAddress": "8329 74TH",
"ApplicantAge": "64",
"ApplicantCity": "SCOTTSDALE",
"ApplicantDOB": "19610301",
"ApplicantEmail": "",
"ApplicantEmploymentTime": "0.0",
"ApplicantEmploymentTypes": "NONE,NONE",
"ApplicantFirstName": "ANA",
"ApplicantFullAddress": "8329 74TH",
"ApplicantIncome": "12250.0",
"ApplicantIncomePrimary": "12250.0",
"ApplicantLastName": "FLECHA",
"ApplicantResidencePays": "0.0",
"ApplicantSSN": "666522638",
"ApplicantState": "AZ",
"ApplicantTimeAtResidence": "0.0",
"ApplicantZip": "85258-2704",
"County": "Maricopa County",
"Email": null,
"EmploymentCompany": "",
"EmploymentTotalMonths": null,
"EmploymentType": "NONE",
"EmploymentWorkPhone": "",
"EstimatedIncome": "10000.0",
"HomePhone": "",
"HousingMonthlyPayment": null,
"MiddleInitial": "",
"MonthlyGross": 12250,
"OtherIncomeAmount": null,
"OtherIncomeType": "NONE",
"ReportedIncome": "12250.0",
"StreetNumber": "8329",
"UnitNumber": ""
},
"ApplicationInfo": {
"ApplicantNumber": "",
"ApplicantsNumber": "1",
"ApplicationID": "1e52f7d9cd61285b587828c2",
"ApplicationType": "Complete",
"RefiBool": "n",
"RequestedLoanID": ""
},
"CoApplicantInfo": {
"CoApplicantSSN": ""
},
"DealerInfo": {
"DealerID": "",
"DealerName": "",
"DealerState": ""
},
"PartnerInfo": {
"PartnerName": "simplici-direct",
"ProgramPartner": "Simplici"
},
"RequestedTermsInfo": {
"RequestedLoanAmount": "28875.000000000004",
"RequestedLoanBackendProductsAmount": "0.0",
"RequestedLoanDTI": "0.03535425679536365",
"RequestedLoanDownPayment": "0.0",
"RequestedLoanGAP": "0.0",
"RequestedLoanPTI": "0.1",
"RequestedLoanPayment": "433.12500000000006",
"RequestedLoanRate": "18.0",
"RequestedLoanTerm": "36.0"
},
"VehicleInfo": {
"VehicleAge": "10",
"VehicleMake": "FORD",
"VehicleMileage": "10000",
"VehicleModel": "Fusion",
"VehicleRetailValue": "35000",
"VehicleVIN": "3FA6P0H74FR288905",
"VehicleWholesaleValue": "26250.0",
"VehicleYear": "2015.0"
}
},
"Response": {
"ApplicationID": "1e52f7d9cd61285b587828c2",
"ApplicationType": "Complete",
"Comments": [],
"CreditScoreCoapplicant": 0.0,
"CreditScorePrimary": 753,
"Date": "2025-12-11",
"DealerID": "",
"Decision": "APPROVED",
"DecisionDate": "2025-12-11 17:21:52",
"DeclineReason": "",
"LoanTerms": [
{
"AcquisitionFee": 0.0,
"AssetPrice": 1.01,
"DEALER_FLAT": "288.75",
"DefaultProb": 0.0,
"Description": "Karus Option",
"Discount": -1.0,
"FundedAmount": 29163.75,
"GrossYield": 0.1072,
"IRR": 0.1023,
"LTV": 110.0,
"Participation": null,
"Payment": 943.01,
"Rate": 10.83,
"TermMonths": 36,
"TotalLoanAmount": 28875.0,
"VehicleWholesaleValue": 26250.0
}
],
"Stipulations": [
"18+ Years Old",
"Valid Drivers License",
"Proof of Income",
"Proof of Insurance",
"Proof of Residence",
"3 References",
"Minimum Downpayment Approved: $1443.75"
]
},
"Underwriting": {
"CashflowsCsv": "Month,Scheduled principal payment,Scheduled interest payment,Scheduled payment,Principal paid,Interest paid,Prepay amount,Charge-off amount,Recovered amount,Net loss amount,Servicing fee,Total paid,Gross Cashflow,Total paid (less fees),Net Cashflow,Gross Default (Charge-Off) %,Net Loss %,Delinquent amount,Delinq. Prepay Principal,Delinq. Prepay Interest,Delinq. Default Principal,Delinq. Default Interest,Delinq. One Ahead Default Principal,Delinq. Two Ahead Default Interest,Delinq. One Ahead Default Interest,Delinq. Two Ahead Default Interest,Principal balance,Technology fee,Proportion Default,Proportion Prepay,Starting Remaining Loans,Cumulative charge-off amount,Cumulative net loss amount,Gross charge-off percent,Net loss percent,Date,Original balance,Type,Fees paid (non servicing),Cumulative principal paid,Cumulative interest paid,Cumulative recovered amount,Cumulative total servicing fee,Cumulative total fees paid (non servicing),Cumulative total paid,Cumulative total paid (less fees),Cumulative net cashflow,Month\n0,0.0,0.0,0.0,0.0,0.0,0.0,-34025.0,0.0,-34025.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,34025.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,0.0,2025-12-11,34025.0,Projected,0,0.0,0.0,0.0,0.0,0,0.0,0.0,1.0,0.0,59\n...",
"CoApplicantCreditBureauPDF": "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...",
"CoApplicantCreditBureauTradeLines": "",
"DealTermsInfo": [
{
"ApprovedDownPayment": "1299.375",
"TermsAPR": "0.0783",
"TermsDTI": "0.1014963550984193",
"TermsFrontEndLTV": "0.99",
"TermsLTV": "0.99",
"TermsLoanAmount": "25987.5",
"TermsMonthlyPayment": "1173.3303499556364",
"TermsPTI": "0.09578206938413358",
"TermsTerm": "24.0"
},
{
"ApprovedDownPayment": "1371.5625",
"TermsAPR": "0.0783",
"TermsDTI": "0.10681758117531562",
"TermsFrontEndLTV": "1.045",
"TermsLTV": "1.045",
"TermsLoanAmount": "27431.25",
"TermsMonthlyPayment": "1238.5153693976163",
"TermsPTI": "0.1011032954610299",
"TermsTerm": "24.0"
},
{
"ApprovedDownPayment": "1443.75",
"TermsAPR": "0.0783",
"TermsDTI": "0.11213880725221191",
"TermsFrontEndLTV": "1.1",
"TermsLTV": "1.1",
"TermsLoanAmount": "28875.0",
"TermsMonthlyPayment": "1303.700388839596",
"TermsPTI": "0.1064245215379262",
"TermsTerm": "24.0"
},
{
"ApprovedDownPayment": "1588.125",
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"TermsFrontEndLTV": "1.1",
"TermsLTV": "1.21",
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"TermsMonthlyPayment": "1434.0704277235557",
"TermsPTI": "0.11706697369171883",
"TermsTerm": "24.0"
},
{
"ApprovedDownPayment": "1701.25",
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"TermsDTI": "0.13112015048754766",
"TermsFrontEndLTV": "1.1",
"TermsLTV": "1.2961904761904761",
"TermsLoanAmount": "34025.0",
"TermsMonthlyPayment": "1536.2218434724589",
"TermsPTI": "0.12540586477326196",
"TermsTerm": "24.0"
},
{
"ApprovedDownPayment": "1299.375",
"TermsAPR": "0.0883",
"TermsDTI": "0.10246581750641084",
"TermsFrontEndLTV": "0.99",
"TermsLTV": "0.99",
"TermsLoanAmount": "25987.5",
"TermsMonthlyPayment": "1185.2062644535329",
"TermsPTI": "0.09675153179212513",
"TermsTerm": "24.0"
},
{
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"TermsLTV": "1.045",
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"TermsMonthlyPayment": "1251.0510569231735",
"TermsPTI": "0.10212661689168763",
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},
{
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"TermsFrontEndLTV": "1.1",
"TermsLTV": "1.1",
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"TermsPTI": "0.10750170199125014",
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},
{
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},
{
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},
{
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},
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},
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},
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"TermsMonthlyPayment": "992.832235923302",
"TermsPTI": "0.0810475294631267",
"TermsTerm": "36.0"
},
{
"ApprovedDownPayment": "1701.25",
"TermsAPR": "0.0783",
"TermsDTI": "0.09108271819935228",
"TermsFrontEndLTV": "1.1",
"TermsLTV": "1.2961904761904761",
"TermsLoanAmount": "34025.0",
"TermsMonthlyPayment": "1143.6526460278303",
"TermsPTI": "0.09335939967574125",
"TermsTerm": "36.0"
},
{
"ApprovedDownPayment": "1299.375",
"TermsAPR": "0.0883",
"TermsDTI": "0.07246181750641084",
"TermsFrontEndLTV": "0.99",
"TermsLTV": "0.99",
"TermsLoanAmount": "25987.5",
"TermsMonthlyPayment": "818.3172839372472",
"TermsPTI": "0.06675153179212513",
"TermsTerm": "36.0"
},
{
"ApprovedDownPayment": "1371.5625",
"TermsAPR": "0.0883",
"TermsDTI": "0.07614579611837114",
"TermsFrontEndLTV": "1.045",
"TermsLTV": "1.045",
"TermsLoanAmount": "27431.25",
"TermsMonthlyPayment": "863.4460219337609",
"TermsPTI": "0.07043551040418543",
"TermsTerm": "36.0"
},
{
"ApprovedDownPayment": "1443.75",
"TermsAPR": "0.0883",
"TermsDTI": "0.07982977473033144",
"TermsFrontEndLTV": "1.1",
"TermsLTV": "1.1",
"TermsLoanAmount": "28875.0",
"TermsMonthlyPayment": "908.5747599302746",
"TermsPTI": "0.07411948901624573",
"TermsTerm": "36.0"
},
{
"ApprovedDownPayment": "1588.125",
"TermsAPR": "0.0883",
"TermsDTI": "0.08719773195425184",
"TermsFrontEndLTV": "1.1",
"TermsLTV": "1.21",
"TermsLoanAmount": "31762.5",
"TermsMonthlyPayment": "998.832235923302",
"TermsPTI": "0.08348744624016613",
"TermsTerm": "36.0"
},
{
"ApprovedDownPayment": "1701.25",
"TermsAPR": "0.0883",
"TermsDTI": "0.09162571819935228",
"TermsFrontEndLTV": "1.1",
"TermsLTV": "1.2961904761904761",
"TermsLoanAmount": "34025.0",
"TermsMonthlyPayment": "1149.6526460278303",
"TermsPTI": "0.08791543248526657",
"TermsTerm": "36.0"
},
{
"ApprovedDownPayment": "1299.375",
"TermsAPR": "0.0983",
"TermsDTI": "0.07289773428325046",
"TermsFrontEndLTV": "0.99",
"TermsLTV": "0.99",
"TermsLoanAmount": "25987.5",
"TermsMonthlyPayment": "824.3172839372472",
"TermsPTI": "0.06718744756896443",
"TermsTerm": "36.0"
},
{
"ApprovedDownPayment": "1371.5625",
"TermsAPR": "0.0983",
"TermsDTI": "0.07658171289521076",
"TermsFrontEndLTV": "1.045",
"TermsLTV": "1.045",
"TermsLoanAmount": "27431.25",
"TermsMonthlyPayment": "869.4460219337609",
"TermsPTI": "0.07087122600702476",
"TermsTerm": "36.0"
},
{
"ApprovedDownPayment": "1443.75",
"TermsAPR": "0.0983",
"TermsDTI": "0.08026569150717106",
"TermsFrontEndLTV": "1.1",
"TermsLTV": "1.1",
"TermsLoanAmount": "28875.0",
"TermsMonthlyPayment": "914.5747599302746",
"TermsPTI": "0.07455500444508509",
"TermsTerm": "36.0"
},
{
"ApprovedDownPayment": "1588.125",
"TermsAPR": "0.0983",
"TermsDTI": "0.08763364873109146",
"TermsFrontEndLTV": "1.1",
"TermsLTV": "1.21",
"TermsLoanAmount": "31762.5",
"TermsMonthlyPayment": "1004.832235923302",
"TermsPTI": "0.08192296141700556",
"TermsTerm": "36.0"
},
{
"ApprovedDownPayment": "1701.25",
"TermsAPR": "0.0983",
"TermsDTI": "0.0920616349760919",
"TermsFrontEndLTV": "1.1",
"TermsLTV": "1.2961904761904761",
"TermsLoanAmount": "34025.0",
"TermsMonthlyPayment": "1155.6526460278303",
"TermsPTI": "0.086350947241106",
"TermsTerm": "36.0"
},
{
"ApprovedDownPayment": "1299.375",
"TermsAPR": "0.1083",
"TermsDTI": "0.07333365106019108",
"TermsFrontEndLTV": "0.99",
"TermsLTV": "0.99",
"TermsLoanAmount": "25987.5",
"TermsMonthlyPayment": "830.3172839372472",
"TermsPTI": "0.06762336434590405",
"TermsTerm": "36.0"
},
{
"ApprovedDownPayment": "1371.5625",
"TermsAPR": "0.1083",
"TermsDTI": "0.07701762967215138",
"TermsFrontEndLTV": "1.045",
"TermsLTV": "1.045",
"TermsLoanAmount": "27431.25",
"TermsMonthlyPayment": "875.4460219337609",
"TermsPTI": "0.07130714278396438",
"TermsTerm": "36.0"
},
{
"ApprovedDownPayment": "1443.75",
"TermsAPR": "0.1083",
"TermsDTI": "0.08070160828411168",
"TermsFrontEndLTV": "1.1",
"TermsLTV": "1.1",
"TermsLoanAmount": "28875.0",
"TermsMonthlyPayment": "920.5747599302746",
"TermsPTI": "0.07499092122202471",
"TermsTerm": "36.0"
},
{
"ApprovedDownPayment": "1588.125",
"TermsAPR": "0.1083",
"TermsDTI": "0.08806956550803208",
"TermsFrontEndLTV": "1.1",
"TermsLTV": "1.21",
"TermsLoanAmount": "31762.5",
"TermsMonthlyPayment": "1010.832235923302",
"TermsPTI": "0.08235887859394518",
"TermsTerm": "36.0"
},
{
"ApprovedDownPayment": "1701.25",
"TermsAPR": "0.1083",
"TermsDTI": "0.09249755175303252",
"TermsFrontEndLTV": "1.1",
"TermsLTV": "1.2961904761904761",
"TermsLoanAmount": "34025.0",
"TermsMonthlyPayment": "1161.6526460278303",
"TermsPTI": "0.08678686299694572",
"TermsTerm": "36.0"
},
{
"ApprovedDownPayment": "1299.375",
"TermsAPR": "0.1183",
"TermsDTI": "0.0737695678371317",
"TermsFrontEndLTV": "0.99",
"TermsLTV": "0.99",
"TermsLoanAmount": "25987.5",
"TermsMonthlyPayment": "836.3172839372472",
"TermsPTI": "0.06805928112284367",
"TermsTerm": "36.0"
},
{
"ApprovedDownPayment": "1371.5625",
"TermsAPR": "0.1183",
"TermsDTI": "0.077453546449092",
"TermsFrontEndLTV": "1.045",
"TermsLTV": "1.045",
"TermsLoanAmount": "27431.25",
"TermsMonthlyPayment": "881.4460219337609",
"TermsPTI": "0.07174345956090399",
"TermsTerm": "36.0"
},
{
"ApprovedDownPayment": "1443.75",
"TermsAPR": "0.1183",
"TermsDTI": "0.0811375250610523",
"TermsFrontEndLTV": "1.1",
"TermsLTV": "1.1",
"TermsLoanAmount": "28875.0",
"TermsMonthlyPayment": "926.5747599302746",
"TermsPTI": "0.07542763799896429",
"TermsTerm": "36.0"
},
{
"ApprovedDownPayment": "1588.125",
"TermsAPR": "0.1183",
"TermsDTI": "0.0885054822849727",
"TermsFrontEndLTV": "1.1",
"TermsLTV": "1.21",
"TermsLoanAmount": "31762.5",
"TermsMonthlyPayment": "1016.832235923302",
"TermsPTI": "0.08279559537088478",
"TermsTerm": "36.0"
},
{
"ApprovedDownPayment": "1701.25",
"TermsAPR": "0.1183",
"TermsDTI": "0.09293346852997314",
"TermsFrontEndLTV": "1.1",
"TermsLTV": "1.2961904761904761",
"TermsLoanAmount": "34025.0",
"TermsMonthlyPayment": "1167.6526460278303",
"TermsPTI": "0.08722355275288532",
"TermsTerm": "36.0"
},
{
"ApprovedDownPayment": "1299.375",
"TermsAPR": "0.1283",
"TermsDTI": "0.07420548461407232",
"TermsFrontEndLTV": "0.99",
"TermsLTV": "0.99",
"TermsLoanAmount": "25987.5",
"TermsMonthlyPayment": "842.3172839372472",
"TermsPTI": "0.06849519789978329",
"TermsTerm": "36.0"
},
{
"ApprovedDownPayment": "1371.5625",
"TermsAPR": "0.1283",
"TermsDTI": "0.07788946322603262",
"TermsFrontEndLTV": "1.045",
"TermsLTV": "1.045",
"TermsLoanAmount": "27431.25",
"TermsMonthlyPayment": "887.4460219337609",
"TermsPTI": "0.07217937633784362",
"TermsTerm": "36.0"
},
{
"ApprovedDownPayment": "1443.75",
"TermsAPR": "0.1283",
"TermsDTI": "0.08157344183799292",
"TermsFrontEndLTV": "1.1",
"TermsLTV": "1.1",
"TermsLoanAmount": "28875.0",
"TermsMonthlyPayment": "932.5747599302746",
"TermsPTI": "0.07586355477590392",
"TermsTerm": "36.0"
},
{
"ApprovedDownPayment": "1588.125",
"TermsAPR": "0.1283",
"TermsDTI": "0.08894139906191332",
"TermsFrontEndLTV": "1.1",
"TermsLTV": "1.21",
"TermsLoanAmount": "31762.5",
"TermsMonthlyPayment": "1022.832235923302",
"TermsPTI": "0.08223151214782442",
"TermsTerm": "36.0"
},
{
"ApprovedDownPayment": "1701.25",
"TermsAPR": "0.1283",
"TermsDTI": "0.09336938530691376",
"TermsFrontEndLTV": "1.1",
"TermsLTV": "1.2961904761904761",
"TermsLoanAmount": "34025.0",
"TermsMonthlyPayment": "1173.6526460278303",
"TermsPTI": "0.08665946950682526",
"TermsTerm": "36.0"
}
],
"PrimaryCreditBureauPDF": "JVBERi0xLjUKJeLjz9MKMyAwIG9iago8PC9Db2xvclNwYWNlL0RldmljZVJHQi9NYXNrIFsyNTUgMjU1IDI1NSAyNTUgMjU1IDI1NSBdL1N1YnR5cGUvSW1hZ2UvSGVpZ2h0IDM4L0ZpbHRlci9GbGF0ZURlY29kZS9UeXBlL1hPYmplY3QvV2lkdGggMTEyL0xlbmd0aCAxNDIwL0JpdHNQZXJDb21wb25lbnQgOD4+c3RyZWFtCnic7Zo7axRRGIYFO1t7W0s7Kztbe3trG1t/gT/AP2ATSSGkEEFEEEGQGRUSvBFECRHFG8HgPcT12fPsfp7M7OyuwezswnwcwszZc/nOe97vcs6k1+ukk0466aSTA5EvO7vLG5/O3Fk/trJ6+GpJOXrt0albzy49fbP59Wfb2i2YrGxuHb++dmipoJy48fjsvRcUwDyy/IAa/oJq2zoujFxcfR2gVaj44cfOlZcfhRrqwuG2lFwUAcNDSyWcXN/+3tQGGM/df0UzIP21+3uW6i2WFJ++aODwkFfIeff9ts91SZAWneGPEfgGRGDo6+nbzyFhE1FhKYaPW+jC00gBH8ABIl+hJTEdhMd0IQHoKNokeMIUaEpC+YWHG3L15M0n58sNKHp5/R1xSm9JSKISwN0C4n7bus+pYOk4TyA1U7KQdlJPJebfG9KYSrGlkte2FZ9rMQxh7JATZvIKOcETWvLrzbefARmu2hgy07JVfRdAyOcBDRh9NZM30GPp/EQm4E8dnk0CJ0mBDNYpCy2gYi/5VawbP9BL5MyNHaGeA2mLas+taNRyMjnM/hEJrDBzYxPPyaOWxilMfm3rG+SEom3rPo+COQMgfIsgDmi8gjCkBTSeITBQE/3JBOCwJ1OcQ9u6z6mIz5T5pOQUfxwsD02FlgeteV03p64fRiSGsXWi4N+wzSkb18UjD5CSqI9viZ7e43mY4iFcQ...",
"PrimaryCreditBureauTradeLines": "subscriber,account_type,member,account_num,opened,closed,payment,terms,portfolio_type,balance,high_balance,past_due,rating,30dpd,60dpd,90dpd,account_class,today,age,age_closed,seasoned\nJPMCB CARD,FX,0...",
"PrimaryCreditInfo": {
"CreditScore": "753.0",
"ApplicantCreditReportDate": "2025-12-11",
"FileSummaryFileHitIndicator": "regularHit",
"FileSummarySsnMatchIndicator": "exact",
"FileSummaryInFileSinceDate": "1999-05-01",
"FileSummaryMarket": "29",
"FileSummarySubmarket": "AZ",
"FileSummaryConsumerStatementIndicator": "False",
"CreditDataStatusSuppressed": "False",
"InFileSinceDate": "1999-05-01",
"TrackingTransactionTimeStamp": "2025-11-17T12:12:46.001-06:00",
"AGG101": "2483",
"AGG102": "7279",
"AGG103": "8231",
"AGG104": "14885",
"AGG105": "8124",
"AGG201": "14000",
"AGG202": "29000",
"AGG203": "29000",
"AGG301": "0",
"AGG302": "0",
"AGG401": "2675",
"AGG402": "6763",
"AGG501": "2483",
"AGG502": "7279",
"AGG601": "14000",
"AGG602": "29000",
"AGG701": "0",
"AGG702": "0",
"AGG801": "2675",
"AGG802": "6763",
"AGG901": "0",
"AGG902": "3",
"AGG903": "0",
"AGG904": "1",
"AGG905": "23.74",
"AGG906": "34.62",
"AGGS101": "2455",
"AGGS102": "5811",
"AGGS103": "6186",
"AT01A": "2",
"AT01S": "12",
"AT02S": "2",
"AT03S": "2",
"AT101B": "7059",
"AT101S": "7059",
"AT103S": "100",
"AU01S": "2",
"AU02S": "0",
"AU03S": "-3",
"BC01S": "5",
"BC02S": "2",
"BC03S": "2",
"BC101S": "7059",
"BC102S": "14500",
"BR01S": "5",
"BR02S": "2",
"BR03S": "2",
"CV01": "-1",
"CV02": "24",
"CV03": "-1",
"CV19": "7059",
"CV20": "70",
"FC01S": "1",
"FC02S": "0",
"FC03S": "1",
"FI01S": "2",
"FI02S": "0",
"FI03S": "-3",
"G001B": "0",
"G001C": "0",
"G001S": "0",
"G020S": "4",
"G041C": "1",
"G041S": "1",
"G199B": "25",
"G199S": "25",
"G200B": "36",
"G200S": "36",
"G201A": "21941",
"G201B": "-2",
"HI01S": "0",
"HI02S": "-1",
"HR01S": "0",
"HR02S": "-1",
"IN01S": "2",
"IN02S": "0",
"IN03S": "-3",
"INDEX01": "97",
"INDEX02": "59",
"JT01S": "2",
"JT02S": "0",
"JT03S": "-3",
"LM01S": "0",
"LM02S": "-1",
"MT01S": "5",
"MT02S": "0",
"MT03S": "-3",
"OF01S": "0",
"OF02S": "-1",
"PAYMNT01": "-2",
"PAYMNT02": "-2",
"PAYMNT07": "50.0",
"PB01S": "2",
"PB02S": "2",
"PB03S": "2",
"RE01S": "5",
"RE02S": "2",
"RE03S": "2",
"RE101S": "7059",
"RE102S": "14500",
"REVS101": "2455",
"REVS102": "5811",
"REVS103": "6186",
"RP01S": "0",
"RP02S": "-1",
"RT01S": "0",
"RT02S": "-1",
"RVDEX01": "97",
"RVDEX02": "59",
"RVLR01": "0.0",
"RVLR02": "-1.0",
"RVLR29": "2483",
"S004S": "133",
"S043S": "0",
"S061S": "22",
"SE01S": "0",
"SE02S": "-1",
"ST01S": "0",
"ST02S": "-1",
"TRD": "12",
"TRV01": "999",
"TRV02": "0",
"US01S": "0",
"US02S": "-1",
"WALSHR01": "0",
"WALSHR02": "0",
"WALSHR03": "3",
"WALSHRS1": "100",
"WALSHRS2": "35",
"... (and 800+ more credit bureau fields including all AGG*, AGGS*, AT*, AU*, BC*, BR*, CV*, FC*, FI*, FR*, G*, HI*, HR*, IN*, JT*, LM*, MD*, MT*, OF*, PAYMNT*, PB*, RE*, RETS*, REVS*, RP*, RT*, RVDEX*, RVLR*, S*, SE*, ST*, TRD*, TRV*, US*, WALSHR*, WALSRTS*, WALSRVS* fields - all 1136+ fields from the credit bureau response are included)"
},
"UnderwritingInfo": [
{
"AllWarnings": "",
"CollateralDefaultProb": "0.01336626535589079",
"DecisionReason": "APPLICATION DOES NOT MEET PROGRAM OUTLINES: | APR BELOW MINIMUM| TERM BELOW MINIMUM",
"DecisionReasonSimple": "Decline Reasons | Information found in credit bureau]",
"DecisionStatus": "DECLINED",
"DefaultProb": "0.0016925728545400989",
"FairValuePrice": "0.985",
"ForecastChargeoffAmount": "20.566368199932324",
"ForecastCompoundingIRR": "0.07965357155447661",
"ForecastCompoundingNetIRR": "0.042714487385988154",
"ForecastFairValuePrice": "0.9858686990497024",
"ForecastInterestPaid": "1786.3090078473876",
"ForecastNetLossAmount": "13.479144452146352",
"ForecastPresentValue": "26010.419103100652",
"ForecastPrincipalPaid": "25966.93363180007",
"ForecastRecoveredAmount": "7.087223747785974",
"ForecastSimpleIRR": "0.07688548294404551",
"ForecastSimpleNetIRR": "0.041900378725696186",
"ForecastTotalPaid": "27760.32986339524",
"ForecastTotalPaidLessFees": "26953.642087552485",
"SolventProb": "0.99830742714546",
"TermsApprovedBackEndProducts": "0.0",
"TermsApprovedFrontEndAmt": "25987.5",
"TermsApprovedFrontEndLTV": "98.99622871509656",
"TermsDealerDiscount": "0.015000000000000013",
"TermsDealerFlat": "0.0",
"TermsDiscountFee": "389.8125",
"TermsFundedAmount": "25597.6875",
"TermsLoanDiscount": "2887.5000000000036",
"TermsTotalDiscount": "3277.3125000000036",
"WarningsNumber": "0"
},
{
"AllWarnings": "",
"CollateralDefaultProb": "0.014317572148598374",
"DecisionReason": "APPLICATION DOES NOT MEET PROGRAM OUTLINES: | APR BELOW MINIMUM| TERM BELOW MINIMUM",
"DecisionReasonSimple": "Decline Reasons | Information found in credit bureau]",
"DecisionStatus": "DECLINED",
"DefaultProb": "0.0016430045147857524",
"FairValuePrice": "0.985",
"ForecastChargeoffAmount": "21.072798730018597",
"ForecastCompoundingIRR": "0.079672894780205",
"ForecastCompoundingNetIRR": "0.042733359336033505",
"ForecastFairValuePrice": "0.9858842502937826",
"ForecastInterestPaid": "1885.5686809055007",
"ForecastNetLossAmount": "13.81103719899475",
"ForecastPresentValue": "27455.87547296581",
"ForecastPrincipalPaid": "27410.177201269977",
"ForecastRecoveredAmount": "7.261761531023851",
"ForecastSimpleIRR": "0.07690349508517347",
"ForecastSimpleNetIRR": "0.04191854063706835",
"ForecastTotalPaid": "29303.007643706504",
"ForecastTotalPaidLessFees": "28451.508076930633",
"SolventProb": "0.9983569954852143",
"TermsApprovedBackEndProducts": "0.0",
"TermsApprovedFrontEndAmt": "27431.25",
"TermsApprovedFrontEndLTV": "104.4960191992686",
"TermsDealerDiscount": "0.015000000000000013",
"TermsDealerFlat": "0.0",
"TermsDiscountFee": "411.46875",
"TermsFundedAmount": "27019.78125",
"TermsLoanDiscount": "1443.7500000000036",
"TermsTotalDiscount": "1855.2187500000036",
"WarningsNumber": "0"
},
{
"AllWarnings": "",
"CollateralDefaultProb": "0.025768364019160397",
"DecisionReason": "",
"DecisionReasonSimple": "",
"DecisionStatus": "APPROVED",
"DefaultProb": "0.0038391412595749734",
"FairValuePrice": "1.01",
"ForecastChargeoffAmount": "53.64759247686432",
"ForecastCompoundingIRR": "0.13345275863242834",
"ForecastCompoundingNetIRR": "0.09483225736178147",
"ForecastFairValuePrice": "1.040644729219909",
"ForecastInterestPaid": "4819.160498780415",
"ForecastNetLossAmount": "35.020800528969865",
"ForecastPresentValue": "29751.105501212747",
"ForecastPrincipalPaid": "28821.352407523133",
"ForecastRecoveredAmount": "18.626791947894457",
"ForecastSimpleIRR": "0.12592463545450983",
"ForecastSimpleNetIRR": "0.0909440480803152",
"ForecastTotalPaid": "33659.13969825145",
"ForecastTotalPaidLessFees": "32330.15064727478",
"SolventProb": "0.996160858740425",
"TermsApprovedBackEndProducts": "0.0",
"TermsApprovedFrontEndAmt": "28875.0",
"TermsApprovedFrontEndLTV": "109.99580968344063",
"TermsDealerDiscount": "-0.010000000000000009",
"TermsDealerFlat": "288.7500000000003",
"TermsDiscountFee": "2.8421709430404007e-13",
"TermsFundedAmount": "29163.75",
"TermsLoanDiscount": "3.637978807091713e-12",
"TermsTotalDiscount": "-288.74999999999636",
"WarningsNumber": "0"
}
]
}
}
UnderwritingInfo array contains all 60 entries (one for each DealTermsInfo entry), and PrimaryCreditInfo contains all 1136+ credit bureau fields. All attributes from the risk assessment API response are included without modification.
Copy
## Response
- The API returns the transaction hash and generated loan ID upon success:
```json
{
"transactionHash": "0x5a0c0663a48e3abf16c7f0ee632b57da833e44e02a290fc0920ea2858da31f73",
"loanId": "0xe8767b8fe19bd639e80505bf399e7df57b56c7ecd1f69d5e5499b436ece087ed"
}
installment: Total number of expected repayments (e.g., 12 for monthly repayments over a year)encumbered_status: Indicates whether the collateral is locked during the loanpayment_frequency: Common values are MONTHLY, WEEKLY, or ONE_TIMEloan_type: Business logic-defined categories (e.g., AUTO, PERSONAL, EDUCATION)