> ## Documentation Index > Fetch the complete documentation index at: https://docs.amlok.io/llms.txt > Use this file to discover all available pages before exploring further. # Get risk package > Retrieve an immutable Insights or Signal result with financial dimensions, policy evaluations, limitations and the frozen supporting evidence set. Recommendations do not replace the institution decision. Retrieve an immutable Insights or Signal result with financial dimensions, policy evaluations, limitations and the frozen supporting evidence set. Recommendations do not replace the institution decision. All IDs and cursors must belong to the authorized workspace and environment. Required scope: results:read. Examples use synthetic IDs. Replace them with values returned by your environment. ## OpenAPI ````yaml openapi/amlok.json GET /v1/risk-packages/{id} openapi: 3.1.0 info: title: AMLOK API version: 1.0.0 description: >- AMLOK API: borrower connections, Insights origination, immutable risk packages and Signal monitoring. Use your institution-issued API origin. servers: [] security: - BearerAuth: [] paths: /v1/risk-packages/{id}: get: tags: - Results summary: Get risk package description: >- Retrieve an immutable Insights or Signal result with financial dimensions, policy evaluations, limitations and the frozen supporting evidence set. Recommendations do not replace the institution decision. All IDs and cursors must belong to the authorized workspace and environment. Required scope: results:read. operationId: getRiskPackage parameters: - name: id in: path required: true schema: type: string minLength: 1 description: id responses: '200': description: Successful response. content: application/json: schema: type: object properties: data: $ref: '#/components/schemas/RiskPackage' meta: $ref: '#/components/schemas/Meta' required: - data - meta additionalProperties: false example: data: id: rp_synthetic borrower_id: bor_synthetic origination_id: orgn_synthetic monitoring_run_id: null product: insights created_at: '2026-11-06T12:00:00Z' as_of: '2026-11-06T12:00:00Z' previous_package_id: null application: institution_reference: LOS-2026-0042 requested_amount: amount: '50000.00' currency: CAD requested_term_months: 12 purpose: Working capital application_schema_id: app_schema_synthetic declared_data: annual_revenue: '600000.00' lending_product: id: lpv_synthetic created_at: '2026-11-06T12:00:00Z' definition: external_id: working-capital version: '1' name: Working capital loan borrower_type: business market: CA currency: CAD product_type: term_loan minimum_amount: amount: '10000.00' currency: CAD maximum_amount: amount: '100000.00' currency: CAD minimum_term_months: 6 maximum_term_months: 24 repayment_frequency: monthly pricing_schema_id: pricing_synthetic pricing: rate_type: fixed annual_interest_rate: '0.12' amortization_months: 12 fees: [] terms_document_ids: [] sha256: >- 0000000000000000000000000000000000000000000000000000000000000000 risk_policy: id: rpv_synthetic created_at: '2026-11-06T12:00:00Z' definition: external_id: working-capital-policy version: '1' name: Illustrative policy, not a recommended threshold borrower_type: business market: CA rules: - id: dscr-minimum dimension_key: dscr operator: gte threshold: '1.25' unit: ratio on_missing: review on_fail: review calculation_version: amlok-dscr-1 policy_document_ids: [] sha256: >- 0000000000000000000000000000000000000000000000000000000000000000 assessment: recommendation: review_required is_institution_decision: false summary: >- Repayment capacity requires review because the debt schedule is incomplete. reasons: - Required repayment evidence is missing. dimensions: - key: identity status: unavailable summary: See individual metric availability and reasons. metrics: - key: business_age_months label: Business age status: unavailable value: null unit: months window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-business_age_months-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: verified_account_owner_ratio label: Verified account ownership share status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-verified_account_owner_ratio-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] evidence_ids: [] - key: ownership_and_control status: unavailable summary: See individual metric availability and reasons. metrics: - key: ownership_disclosed_ratio label: Disclosed ownership share status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-ownership_disclosed_ratio-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: related_party_balance_share label: Related-party receivables share status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-related_party_balance_share-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: supported_guarantee_coverage label: Supported guarantee coverage status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-supported_guarantee_coverage-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] evidence_ids: [] - key: cashflow status: partial summary: See individual metric availability and reasons. metrics: - key: total_inflows label: Posted inflows status: available value: '1250.00' unit: currency window: start: '2026-10-31T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-total_inflows-1 missing_reason: null evidence_ids: - ev_bank_synthetic analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: null inputs: - name: posted_inflow value: '1250.00' unit: currency currency: CAD basis: observed evidence: - evidence_id: ev_bank_synthetic field_path: /amount/amount document_id: null page: null quote: null coverage: observed_days: 1 expected_days: 1 scope_note: >- Complete for the explicitly illustrated source scope and period only. series: - window: start: '2026-10-31T00:00:00Z' end: '2026-11-01T00:00:00Z' status: available value: '1250.00' reason: null evidence_ids: - ev_bank_synthetic - key: total_outflows label: Posted outflows status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-total_outflows-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: net_cash_flow label: Net cash flow status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-net_cash_flow-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: operating_cash_inflows label: Operating receipts status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-operating_cash_inflows-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: operating_cash_outflows label: Operating cash payments status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-operating_cash_outflows-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: operating_net_cash_flow label: Net operating cash flow status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-operating_net_cash_flow-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: internal_transfer_inflows label: Internal transfer inflows status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-internal_transfer_inflows-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: financing_inflows label: Financing inflows status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-financing_inflows-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: positive_cashflow_month_share label: Positive cash-flow months status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-positive_cashflow_month_share-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: cashflow_volatility label: Operating cash-flow volatility status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-cashflow_volatility-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: cashflow_change_90d label: Operating cash-flow change status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-cashflow_change_90d-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] evidence_ids: - ev_bank_synthetic - key: liquidity status: unavailable summary: See individual metric availability and reasons. metrics: - key: unrestricted_cash label: Unrestricted cash status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-unrestricted_cash-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: average_daily_balance label: Average daily cash balance status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-average_daily_balance-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: minimum_daily_balance label: Minimum daily cash balance status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-minimum_daily_balance-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: negative_balance_days label: Days below zero status: unavailable value: null unit: days window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-negative_balance_days-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: cash_buffer_days label: Cash buffer status: unavailable value: null unit: days window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-cash_buffer_days-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: current_ratio label: Current ratio status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-current_ratio-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: quick_ratio label: Quick ratio status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-quick_ratio-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: cash_ratio label: Cash ratio status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-cash_ratio-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] evidence_ids: [] - key: revenue_quality status: unavailable summary: See individual metric availability and reasons. metrics: - key: verified_revenue label: Verified revenue status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-verified_revenue-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: recurring_revenue_share label: Recurring revenue share status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-recurring_revenue_share-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: revenue_growth_yoy label: Revenue growth year over year status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-revenue_growth_yoy-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: revenue_growth_90d label: Revenue growth over 90 days status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-revenue_growth_90d-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: revenue_volatility label: Monthly revenue volatility status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-revenue_volatility-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: refund_amount_share label: Refund amount share status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-refund_amount_share-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: chargeback_amount_share label: Chargeback amount share status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-chargeback_amount_share-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: revenue_cash_realization label: Revenue cash realization status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-revenue_cash_realization-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: unverified_receipts_share label: Unverified receipts share status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-unverified_receipts_share-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: nonrecurring_revenue_share label: Nonrecurring revenue share status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-nonrecurring_revenue_share-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] evidence_ids: [] - key: profitability status: unavailable summary: See individual metric availability and reasons. metrics: - key: gross_profit label: Gross profit status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-gross_profit-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: gross_margin label: Gross margin status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-gross_margin-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: ebitda label: EBITDA status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-ebitda-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: ebitda_margin label: EBITDA margin status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-ebitda_margin-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: operating_profit label: Operating profit status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-operating_profit-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: operating_margin label: Operating margin status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-operating_margin-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: net_profit label: Net profit status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-net_profit-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: net_margin label: Net margin status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-net_margin-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: free_cash_flow label: Free cash flow status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-free_cash_flow-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: return_on_assets label: Return on assets status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-return_on_assets-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] evidence_ids: [] - key: working_capital status: unavailable summary: See individual metric availability and reasons. metrics: - key: net_working_capital label: Net working capital status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-net_working_capital-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: receivables_days label: Receivable days status: unavailable value: null unit: days window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-receivables_days-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: payables_days label: Payable days status: unavailable value: null unit: days window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-payables_days-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: inventory_days label: Inventory days status: unavailable value: null unit: days window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-inventory_days-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: cash_conversion_cycle label: Cash conversion cycle status: unavailable value: null unit: days window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-cash_conversion_cycle-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: ar_overdue_share label: Overdue receivables share status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-ar_overdue_share-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: ar_90_plus_share label: Receivables over 90 days past due status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-ar_90_plus_share-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: ap_overdue_share label: Overdue payables share status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-ap_overdue_share-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: inventory_turnover label: Inventory turnover status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-inventory_turnover-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] evidence_ids: [] - key: leverage status: unavailable summary: See individual metric availability and reasons. metrics: - key: total_debt label: Total interest-bearing debt status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-total_debt-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: net_debt label: Net debt status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-net_debt-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: debt_to_assets label: Debt to assets status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-debt_to_assets-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: debt_to_equity label: Debt to equity status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-debt_to_equity-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: net_debt_to_ebitda label: Net debt to EBITDA status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-net_debt_to_ebitda-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: credit_utilization label: Revolving credit utilization status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-credit_utilization-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: short_term_debt_share label: Debt due within one year status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-short_term_debt_share-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: debt_maturing_90d label: Debt maturing within 90 days status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-debt_maturing_90d-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] evidence_ids: [] - key: repayment_capacity status: unavailable summary: See individual metric availability and reasons. metrics: - key: dscr label: Cash-flow debt-service coverage status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-dscr-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: fixed_charge_coverage label: Fixed-charge coverage status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-fixed_charge_coverage-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: interest_coverage label: Interest coverage status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-interest_coverage-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: existing_debt_service label: Existing debt service status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-existing_debt_service-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: proposed_debt_service label: Proposed debt service status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-proposed_debt_service-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: total_debt_service label: Total debt service status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-total_debt_service-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: residual_cash_after_debt label: Cash after debt service status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-residual_cash_after_debt-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: debt_service_headroom label: Debt-service headroom status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-debt_service_headroom-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: debt_payment_to_receipts label: Debt payments to operating receipts status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-debt_payment_to_receipts-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] evidence_ids: [] - key: concentration status: unavailable summary: See individual metric availability and reasons. metrics: - key: top_customer_share label: Largest customer share status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-top_customer_share-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: top_five_customer_share label: Top five customer share status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-top_five_customer_share-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: top_supplier_share label: Largest supplier share status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-top_supplier_share-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: top_channel_share label: Largest sales channel share status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-top_channel_share-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: customer_hhi label: Customer concentration index status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-customer_hhi-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: income_source_hhi label: Income-source concentration index status: not_applicable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-income_source_hhi-1 missing_reason: >- This metric does not apply to this borrower or an initial Insights assessment. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: not_applicable inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] evidence_ids: [] - key: collateral status: unavailable summary: See individual metric availability and reasons. metrics: - key: collateral_ltv label: Loan to collateral value status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-collateral_ltv-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: combined_ltv label: Combined loan to value status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-combined_ltv-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: collateral_coverage label: Collateral coverage status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-collateral_coverage-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: eligible_receivables label: Eligible borrowing-base receivables status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-eligible_receivables-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: collateral_haircut_ratio label: Collateral haircut status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-collateral_haircut_ratio-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] evidence_ids: [] - key: fraud_and_consistency status: unavailable summary: See individual metric availability and reasons. metrics: - key: reconciliation_break_share label: Unreconciled value share status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-reconciliation_break_share-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: duplicate_transaction_share label: Duplicate transaction share status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-duplicate_transaction_share-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: document_contradiction_count label: Document contradictions status: unavailable value: null unit: count window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-document_contradiction_count-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: identity_mismatch_count label: Unresolved identity mismatches status: unavailable value: null unit: count window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-identity_mismatch_count-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: declared_income_gap_ratio label: Declared-to-verified income gap status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-declared_income_gap_ratio-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] evidence_ids: [] - key: income_and_affordability status: not_applicable summary: See individual metric availability and reasons. metrics: - key: verified_gross_monthly_income label: Verified gross monthly income status: not_applicable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-verified_gross_monthly_income-1 missing_reason: >- This metric does not apply to this borrower or an initial Insights assessment. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: not_applicable inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: verified_net_monthly_income label: Verified net monthly income status: not_applicable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-verified_net_monthly_income-1 missing_reason: >- This metric does not apply to this borrower or an initial Insights assessment. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: not_applicable inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: debt_to_income label: Debt to income status: not_applicable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-debt_to_income-1 missing_reason: >- This metric does not apply to this borrower or an initial Insights assessment. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: not_applicable inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: housing_to_income label: Housing cost to income status: not_applicable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-housing_to_income-1 missing_reason: >- This metric does not apply to this borrower or an initial Insights assessment. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: not_applicable inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: essential_monthly_spend label: Essential monthly expenditure status: not_applicable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-essential_monthly_spend-1 missing_reason: >- This metric does not apply to this borrower or an initial Insights assessment. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: not_applicable inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: residual_monthly_income label: Residual monthly income status: not_applicable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-residual_monthly_income-1 missing_reason: >- This metric does not apply to this borrower or an initial Insights assessment. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: not_applicable inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: payment_to_income label: Proposed payment to income status: not_applicable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-payment_to_income-1 missing_reason: >- This metric does not apply to this borrower or an initial Insights assessment. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: not_applicable inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: liquid_reserve_months label: Liquid reserve months status: not_applicable value: null unit: months window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-liquid_reserve_months-1 missing_reason: >- This metric does not apply to this borrower or an initial Insights assessment. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: not_applicable inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] evidence_ids: [] - key: income_stability status: not_applicable summary: See individual metric availability and reasons. metrics: - key: income_source_count label: Verified income sources status: not_applicable value: null unit: count window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-income_source_count-1 missing_reason: >- This metric does not apply to this borrower or an initial Insights assessment. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: not_applicable inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: income_volatility label: Monthly income volatility status: not_applicable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-income_volatility-1 missing_reason: >- This metric does not apply to this borrower or an initial Insights assessment. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: not_applicable inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: income_growth_yoy label: Income growth year over year status: not_applicable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-income_growth_yoy-1 missing_reason: >- This metric does not apply to this borrower or an initial Insights assessment. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: not_applicable inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: days_since_last_income label: Days since last income status: not_applicable value: null unit: days window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-days_since_last_income-1 missing_reason: >- This metric does not apply to this borrower or an initial Insights assessment. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: not_applicable inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: income_interruption_days label: Income interruption status: not_applicable value: null unit: days window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-income_interruption_days-1 missing_reason: >- This metric does not apply to this borrower or an initial Insights assessment. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: not_applicable inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: income_continuity_share label: Income continuity status: not_applicable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-income_continuity_share-1 missing_reason: >- This metric does not apply to this borrower or an initial Insights assessment. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: not_applicable inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] evidence_ids: [] - key: payment_behavior status: unavailable summary: See individual metric availability and reasons. metrics: - key: nsf_event_count label: Insufficient-funds events status: unavailable value: null unit: count window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-nsf_event_count-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: overdraft_days label: Overdraft days status: unavailable value: null unit: days window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-overdraft_days-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: returned_payment_amount label: Returned payment amount status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-returned_payment_amount-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: delinquent_obligation_count label: Delinquent obligations status: unavailable value: null unit: count window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-delinquent_obligation_count-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: maximum_days_past_due label: Maximum days past due status: unavailable value: null unit: days window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-maximum_days_past_due-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: on_time_payment_share label: On-time payment share status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-on_time_payment_share-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] evidence_ids: [] - key: credit_history status: unavailable summary: See individual metric availability and reasons. metrics: - key: open_credit_obligation_count label: Open credit obligations status: unavailable value: null unit: count window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-open_credit_obligation_count-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: bureau_utilization label: Reported revolving utilization status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-bureau_utilization-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: recent_credit_inquiry_count label: Recent credit inquiries status: unavailable value: null unit: count window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-recent_credit_inquiry_count-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: severe_delinquency_count label: Severe delinquency events status: unavailable value: null unit: count window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-severe_delinquency_count-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: public_record_event_count label: Relevant public-record events status: unavailable value: null unit: count window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-public_record_event_count-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] evidence_ids: [] - key: commerce_performance status: unavailable summary: See individual metric availability and reasons. metrics: - key: gross_sales label: Gross sales status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-gross_sales-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: net_sales label: Net sales status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-net_sales-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: average_order_value label: Average order value status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-average_order_value-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: repeat_customer_share label: Repeat customer share status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-repeat_customer_share-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: monthly_recurring_revenue label: Monthly recurring revenue status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-monthly_recurring_revenue-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: gross_revenue_retention label: Gross revenue retention status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-gross_revenue_retention-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: net_revenue_retention label: Net revenue retention status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-net_revenue_retention-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: settlement_delay_days label: Settlement delay status: unavailable value: null unit: days window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-settlement_delay_days-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] evidence_ids: [] - key: operating_resilience status: unavailable summary: See individual metric availability and reasons. metrics: - key: payroll_burden_share label: Payroll burden status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-payroll_burden_share-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: payroll_growth_yoy label: Payroll growth year over year status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-payroll_growth_yoy-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: inventory_stockout_share label: Inventory stockout share status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-inventory_stockout_share-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: fulfillment_on_time_share label: On-time fulfillment share status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-fulfillment_on_time_share-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: supplier_payment_delay_days label: Supplier payment delay status: unavailable value: null unit: days window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-supplier_payment_delay_days-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] evidence_ids: [] - key: tax_and_compliance status: unavailable summary: See individual metric availability and reasons. metrics: - key: tax_liability label: Reported tax liability status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-tax_liability-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: tax_overdue_amount label: Overdue tax amount status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-tax_overdue_amount-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: tax_payment_coverage label: Tax payment coverage status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-tax_payment_coverage-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: filing_coverage label: Filing evidence coverage status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-filing_coverage-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] evidence_ids: [] - key: financial_reporting_quality status: unavailable summary: See individual metric availability and reasons. metrics: - key: bank_accounting_match_share label: Bank-to-books match share status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-bank_accounting_match_share-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: statement_balance_discrepancy label: Balance-sheet discrepancy status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-statement_balance_discrepancy-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: material_adjustment_share label: Material accounting adjustments status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-material_adjustment_share-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: books_closing_lag_days label: Books closing lag status: unavailable value: null unit: days window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-books_closing_lag_days-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] evidence_ids: [] - key: data_quality status: unavailable summary: See individual metric availability and reasons. metrics: - key: observed_account_coverage label: Declared-account coverage status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-observed_account_coverage-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: covered_history_days label: Covered history status: unavailable value: null unit: days window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-covered_history_days-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: stale_source_share label: Stale required sources status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-stale_source_share-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: unclassified_transaction_share label: Unclassified transactions status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-unclassified_transaction_share-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: reconciled_value_share label: Reconciled financial value status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-reconciled_value_share-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] evidence_ids: [] - key: forecasting_and_stress status: unavailable summary: See individual metric availability and reasons. metrics: - key: projected_minimum_cash label: Projected minimum cash status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-projected_minimum_cash-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: stress_dscr label: Stressed debt-service coverage status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-stress_dscr-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: stress_residual_income label: Stressed residual income status: not_applicable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-stress_residual_income-1 missing_reason: >- This metric does not apply to this borrower or an initial Insights assessment. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: not_applicable inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: liquidity_shortfall label: Projected liquidity shortfall status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-liquidity_shortfall-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: break_even_revenue_decline label: Break-even revenue decline status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-break_even_revenue_decline-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] evidence_ids: [] - key: relationship_risk status: unavailable summary: See individual metric availability and reasons. metrics: - key: related_party_receipts_share label: Related-party receipts share status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-related_party_receipts_share-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: circular_flow_amount label: Potential circular-flow amount status: unavailable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-circular_flow_amount-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: connected_counterparty_share label: Connected-counterparty exposure status: unavailable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-connected_counterparty_share-1 missing_reason: >- Required, comparable source inputs are not included in this synthetic example. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: missing_source inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] evidence_ids: [] - key: monitoring_change status: not_applicable summary: See individual metric availability and reasons. metrics: - key: revenue_change_from_baseline label: Revenue change from baseline status: not_applicable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-revenue_change_from_baseline-1 missing_reason: >- This metric does not apply to this borrower or an initial Insights assessment. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: not_applicable inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: liquidity_change_from_baseline label: Liquidity change from baseline status: not_applicable value: null unit: currency window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-liquidity_change_from_baseline-1 missing_reason: >- This metric does not apply to this borrower or an initial Insights assessment. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: CAD as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: not_applicable inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: dscr_change_from_baseline label: DSCR change from baseline status: not_applicable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-dscr_change_from_baseline-1 missing_reason: >- This metric does not apply to this borrower or an initial Insights assessment. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: not_applicable inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] - key: obligation_growth_from_baseline label: Debt change from baseline status: not_applicable value: null unit: ratio window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' calculation_version: amlok-obligation_growth_from_baseline-1 missing_reason: >- This metric does not apply to this borrower or an initial Insights assessment. evidence_ids: [] analysis_basis: historical assumptions: [] definition_version: 2026-11-06.1 currency: null as_of: '2026-11-06T12:00:00Z' basis: derived reason_code: not_applicable inputs: [] coverage: observed_days: 0 expected_days: 365 scope_note: >- Synthetic example; observed sources do not establish all external accounts. series: [] evidence_ids: [] policy_results: - rule_id: dscr-minimum result: unavailable actual: null threshold: '1.25' unit: ratio explanation: The rule cannot be evaluated without a supported DSCR. evidence_ids: - ev_bank_synthetic metric_key: dscr calculation_version: amlok-dscr-1 metric_window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' sources: - connection_id: con_synthetic integration_id: bank_synthetic source_as_of: '2026-11-01T00:00:00Z' retrieved_at: '2026-11-06T12:00:00Z' window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' status: partial limitations: - >- Bank records alone do not establish a complete debt schedule. limitations: - >- All values, IDs and hashes in this example are synthetic. The threshold is illustrative, not an industry recommendation. - >- The illustrated inflow is a one-day observed-source subtotal. It is not annual revenue. Authorized derived metrics can remain available while a licensed raw evidence record is restricted. evidence_set: id: es_synthetic sha256: >- 0000000000000000000000000000000000000000000000000000000000000000 count: 1 versions: schema: 1.0.0 normalization: synthetic-v1 calculation: synthetic-v1 model: null billing_usage_id: usage_synthetic document_ids: [] record_version: 1 deal_snapshot_id: null catalog_version: 2026-11-06.1 scope: borrower_type: business market: CA reporting_currency: CAD window: start: '2025-11-01T00:00:00Z' end: '2026-11-01T00:00:00Z' account_ids: - acct_synthetic entity_ids: - bor_synthetic consolidation: single_entity accounting_basis: mixed coverage_basis: observed_sources excluded_sources: [] fx_rates: [] analyses: verifications: status: unavailable reason: >- Necessary supporting evidence is not included in this synthetic example. evidence_ids: [] items: [] financial_statements: status: unavailable reason: >- Necessary supporting evidence is not included in this synthetic example. evidence_ids: [] items: [] obligations: status: unavailable reason: >- Necessary supporting evidence is not included in this synthetic example. evidence_ids: [] items: [] income_streams: status: unavailable reason: >- Necessary supporting evidence is not included in this synthetic example. evidence_ids: [] items: [] reconciliations: status: unavailable reason: >- Necessary supporting evidence is not included in this synthetic example. evidence_ids: [] items: [] concentrations: status: unavailable reason: >- Necessary supporting evidence is not included in this synthetic example. evidence_ids: [] items: [] projections: status: unavailable reason: >- Necessary supporting evidence is not included in this synthetic example. evidence_ids: [] items: [] benchmarks: status: unavailable reason: >- Necessary supporting evidence is not included in this synthetic example. evidence_ids: [] items: [] model_outputs: status: unavailable reason: >- No eligible validated model output is included; no score or default probability is fabricated. evidence_ids: [] items: [] changes: status: not_applicable reason: >- An initial Insights assessment has no comparable baseline. evidence_ids: [] items: [] collateral: status: unavailable reason: >- Necessary supporting evidence is not included in this synthetic example. evidence_ids: [] items: [] relationships: status: unavailable reason: >- Necessary supporting evidence is not included in this synthetic example. evidence_ids: [] items: [] credit_reports: status: unavailable reason: >- Necessary supporting evidence is not included in this synthetic example. evidence_ids: [] items: [] tax_obligations: status: unavailable reason: >- Necessary supporting evidence is not included in this synthetic example. evidence_ids: [] items: [] findings: [] required_actions: - code: provide_debt_schedule description: >- Supply complete existing and proposed debt-service evidence. metric_keys: - dscr requirement_ids: [] completeness: expected_metric_count: 149 available_metric_count: 1 unavailable_metric_count: 128 not_applicable_metric_count: 20 coverage_statement: >- All catalog entries are accounted for. Availability describes supplied evidence, not borrower credit quality. meta: request_id: req_synthetic schema_version: 1.0.0 environment: sandbox headers: X-Request-ID: schema: type: string minLength: 1 description: Same request ID as meta.request_id or error.request_id. '400': description: >- Inspect structured error; retry only when retryable. 429 and 503 can include Retry-After. content: application/json: schema: type: object properties: error: $ref: '#/components/schemas/Error' required: - error additionalProperties: false example: error: code: validation_error message: Validation error. retryable: false request_id: req_synthetic field: null headers: X-Request-ID: schema: type: string minLength: 1 description: Same request ID as meta.request_id or error.request_id. '401': description: >- Inspect structured error; retry only when retryable. 429 and 503 can include Retry-After. content: application/json: schema: type: object properties: error: $ref: '#/components/schemas/Error' required: - error additionalProperties: false example: error: code: unauthenticated message: Unauthenticated. retryable: false request_id: req_synthetic field: null headers: X-Request-ID: schema: type: string minLength: 1 description: Same request ID as meta.request_id or error.request_id. '403': description: >- Inspect structured error; retry only when retryable. 429 and 503 can include Retry-After. content: application/json: schema: type: object properties: error: $ref: '#/components/schemas/Error' required: - error additionalProperties: false example: error: code: forbidden message: Forbidden. retryable: false request_id: req_synthetic field: null headers: X-Request-ID: schema: type: string minLength: 1 description: Same request ID as meta.request_id or error.request_id. '404': description: >- Inspect structured error; retry only when retryable. 429 and 503 can include Retry-After. content: application/json: schema: type: object properties: error: $ref: '#/components/schemas/Error' required: - error additionalProperties: false example: error: code: not_found message: Not found. retryable: false request_id: req_synthetic field: null headers: X-Request-ID: schema: type: string minLength: 1 description: Same request ID as meta.request_id or error.request_id. '409': description: >- Inspect structured error; retry only when retryable. 429 and 503 can include Retry-After. content: application/json: schema: type: object properties: error: $ref: '#/components/schemas/Error' required: - error additionalProperties: false example: error: code: invalid_state message: Invalid state. retryable: false request_id: req_synthetic field: null headers: X-Request-ID: schema: type: string minLength: 1 description: Same request ID as meta.request_id or error.request_id. '410': description: >- Inspect structured error; retry only when retryable. 429 and 503 can include Retry-After. content: application/json: schema: type: object properties: error: $ref: '#/components/schemas/Error' required: - error additionalProperties: false example: error: code: cursor_expired message: Cursor expired. retryable: false request_id: req_synthetic field: null headers: X-Request-ID: schema: type: string minLength: 1 description: Same request ID as meta.request_id or error.request_id. '429': description: >- Inspect structured error; retry only when retryable. 429 and 503 can include Retry-After. content: application/json: schema: type: object properties: error: $ref: '#/components/schemas/Error' required: - error additionalProperties: false example: error: code: rate_limited message: Rate limited. retryable: true request_id: req_synthetic field: null headers: Retry-After: description: Minimum delay in seconds before retry. schema: type: integer minimum: 0 X-Request-ID: schema: type: string minLength: 1 description: Same request ID as meta.request_id or error.request_id. '503': description: >- Inspect structured error; retry only when retryable. 429 and 503 can include Retry-After. content: application/json: schema: type: object properties: error: $ref: '#/components/schemas/Error' required: - error additionalProperties: false example: error: code: temporarily_unavailable message: Temporarily unavailable. retryable: true request_id: req_synthetic field: null headers: Retry-After: description: Minimum delay in seconds before retry. schema: type: integer minimum: 0 X-Request-ID: schema: type: string minLength: 1 description: Same request ID as meta.request_id or error.request_id. security: - BearerAuth: [] x-codeSamples: - lang: Shell label: cURL source: |- curl --request GET --fail-with-body --max-time 30 \ "${AMLOK_API_BASE_URL}/v1/risk-packages/record_synthetic" \ --header "Authorization: Bearer ${AMLOK_API_KEY}" \ --header 'Accept: application/json' - lang: Python source: > import os import requests headers = {'Accept': 'application/json'} headers["Authorization"] = "Bearer " + os.environ["AMLOK_API_KEY"] response = requests.request('GET', os.environ["AMLOK_API_BASE_URL"] + '/v1/risk-packages/record_synthetic', headers=headers, timeout=30, allow_redirects=False) response.raise_for_status() print(response.json()) - lang: JavaScript source: > const headers = {"Accept": "application/json"}; headers.Authorization = `Bearer ${process.env.AMLOK_API_KEY}`; const response = await fetch(process.env.AMLOK_API_BASE_URL + "/v1/risk-packages/record_synthetic", { method: "GET", headers, redirect: "error", signal: AbortSignal.timeout(30000) }); if (!response.ok) throw new Error(`HTTP ${response.status}: ${await response.text()}`); console.log(await response.json()); components: schemas: RiskPackage: type: object properties: id: type: string minLength: 1 description: >- Opaque identifier, authorized within the API key workspace and environment. borrower_id: type: string minLength: 1 description: >- Opaque identifier, authorized within the API key workspace and environment. origination_id: anyOf: - type: string minLength: 1 description: >- Opaque identifier, authorized within the API key workspace and environment. - type: 'null' description: >- Origination id for RiskPackage. Constraints, requiredness and allowed values are defined by this schema. monitoring_run_id: anyOf: - type: string minLength: 1 description: >- Opaque identifier, authorized within the API key workspace and environment. - type: 'null' description: >- Monitoring run id for RiskPackage. Constraints, requiredness and allowed values are defined by this schema. product: type: string enum: - insights - signal description: >- Product for RiskPackage. Constraints, requiredness and allowed values are defined by this schema. created_at: type: string minLength: 1 format: date-time description: UTC time the record was created. as_of: type: string minLength: 1 format: date-time description: >- As of for RiskPackage. Constraints, requiredness and allowed values are defined by this schema. previous_package_id: anyOf: - type: string minLength: 1 description: >- Opaque identifier, authorized within the API key workspace and environment. - type: 'null' description: >- Previous package id for RiskPackage. Constraints, requiredness and allowed values are defined by this schema. application: anyOf: - $ref: '#/components/schemas/ApplicationInput' - type: 'null' description: >- Application for RiskPackage. Constraints, requiredness and allowed values are defined by this schema. lending_product: $ref: '#/components/schemas/LendingProductVersion' description: >- Lending product for RiskPackage. Constraints, requiredness and allowed values are defined by this schema. risk_policy: $ref: '#/components/schemas/RiskPolicyVersion' description: >- Risk policy for RiskPackage. Constraints, requiredness and allowed values are defined by this schema. assessment: type: object properties: recommendation: type: string enum: - within_policy - outside_policy - review_required is_institution_decision: const: false summary: type: string minLength: 1 reasons: type: array items: type: string minLength: 1 required: - recommendation - is_institution_decision - summary - reasons additionalProperties: false description: >- Assessment for RiskPackage. Constraints, requiredness and allowed values are defined by this schema. dimensions: type: array items: $ref: '#/components/schemas/Dimension' description: >- All 24 dimension families, exactly once. Available means every applicable metric is available; partial means some are available; unavailable means none can be calculated; not_applicable means no metric applies. minItems: 24 maxItems: 24 policy_results: type: array items: $ref: '#/components/schemas/PolicyResult' description: >- Policy results for RiskPackage. Constraints, requiredness and allowed values are defined by this schema. sources: type: array items: $ref: '#/components/schemas/SourceCoverage' description: >- Sources for RiskPackage. Constraints, requiredness and allowed values are defined by this schema. limitations: type: array items: type: string minLength: 1 description: >- Limitations for RiskPackage. Constraints, requiredness and allowed values are defined by this schema. evidence_set: type: object properties: id: type: string minLength: 1 description: >- Opaque identifier, authorized within the API key workspace and environment. sha256: type: string minLength: 1 pattern: ^[a-f0-9]{64}$ count: type: integer minimum: 0 required: - id - sha256 - count additionalProperties: false description: >- Evidence set for RiskPackage. Constraints, requiredness and allowed values are defined by this schema. versions: type: object properties: schema: type: string minLength: 1 normalization: type: string minLength: 1 calculation: type: string minLength: 1 model: anyOf: - type: string minLength: 1 - type: 'null' required: - schema - normalization - calculation - model additionalProperties: false description: >- Versions for RiskPackage. Constraints, requiredness and allowed values are defined by this schema. billing_usage_id: anyOf: - type: string minLength: 1 description: >- Opaque identifier, authorized within the API key workspace and environment. - type: 'null' description: >- Billing usage id for RiskPackage. Constraints, requiredness and allowed values are defined by this schema. document_ids: type: array items: type: string minLength: 1 description: Opaque ID within the authorized workspace and environment. uniqueItems: true description: >- Current authorized document associations. Includes submitted documents and later documents accepted against open requirements. A completed assessment freezes its own document and evidence references. record_version: type: integer const: 1 description: Immutable published record; event.resource_version is always 1. deal_snapshot_id: anyOf: - type: string minLength: 1 description: Exact Signal lender snapshot used; null for Insights. - type: 'null' description: >- Deal snapshot id for RiskPackage. Constraints, requiredness and allowed values are defined by this schema. scope: $ref: '#/components/schemas/AssessmentScope' catalog_version: const: 2026-11-06.1 completeness: type: object properties: expected_metric_count: const: 149 available_metric_count: type: integer minimum: 0 unavailable_metric_count: type: integer minimum: 0 not_applicable_metric_count: type: integer minimum: 0 coverage_statement: type: string minLength: 1 required: - expected_metric_count - available_metric_count - unavailable_metric_count - not_applicable_metric_count - coverage_statement additionalProperties: false findings: type: array items: $ref: '#/components/schemas/RiskFinding' analyses: type: object properties: verifications: $ref: '#/components/schemas/VerificationCheckSection' financial_statements: $ref: '#/components/schemas/FinancialStatementSection' obligations: $ref: '#/components/schemas/DebtObligationSection' income_streams: $ref: '#/components/schemas/IncomeStreamSection' reconciliations: $ref: '#/components/schemas/ReconciliationSection' concentrations: $ref: '#/components/schemas/ConcentrationSegmentSection' projections: $ref: '#/components/schemas/RiskProjectionSection' benchmarks: $ref: '#/components/schemas/RiskBenchmarkSection' model_outputs: $ref: '#/components/schemas/RiskModelOutputSection' changes: $ref: '#/components/schemas/RiskChangeSection' collateral: $ref: '#/components/schemas/CollateralAssetSection' relationships: $ref: '#/components/schemas/BorrowerRelationshipSection' credit_reports: $ref: '#/components/schemas/CreditReportAssessmentSection' tax_obligations: $ref: '#/components/schemas/TaxObligationSection' required: - verifications - financial_statements - obligations - income_streams - reconciliations - concentrations - projections - benchmarks - model_outputs - changes - collateral - relationships - credit_reports - tax_obligations additionalProperties: false required_actions: type: array items: type: object properties: code: type: string minLength: 1 description: type: string minLength: 1 metric_keys: type: array items: type: string minLength: 1 requirement_ids: type: array items: type: string minLength: 1 uniqueItems: true required: - code - description - metric_keys - requirement_ids additionalProperties: false required: - id - borrower_id - origination_id - monitoring_run_id - product - created_at - as_of - previous_package_id - application - lending_product - risk_policy - assessment - dimensions - policy_results - sources - limitations - evidence_set - versions - billing_usage_id - document_ids - record_version - deal_snapshot_id - scope - catalog_version - completeness - findings - analyses - required_actions additionalProperties: false description: >- Immutable completed result. Summaries, metrics and evidence must reference the exact input versions. A Signal package does not incur another Insights charge. A model version is null when no validated, entitled model was used. Includes every defined metric with an explicit availability state, source-linked analyses and exact catalog/calculation versions. Completeness is evidence coverage, not creditworthiness. Cross-field invariants are specified in the risk-package methodology. oneOf: - properties: product: const: insights origination_id: type: string minLength: 1 description: >- Opaque identifier, authorized within the API key workspace and environment. monitoring_run_id: type: 'null' application: $ref: '#/components/schemas/ApplicationInput' deal_snapshot_id: type: 'null' title: Insights risk package - properties: product: const: signal monitoring_run_id: type: string minLength: 1 description: >- Opaque identifier, authorized within the API key workspace and environment. deal_snapshot_id: type: string minLength: 1 description: Opaque identifier in the authorized workspace and environment. title: Signal risk package allOf: - if: properties: policy_results: contains: properties: result: const: unavailable required: - result then: properties: assessment: properties: recommendation: const: review_required Meta: type: object properties: request_id: type: string minLength: 1 description: >- Opaque identifier, authorized within the API key workspace and environment. schema_version: type: string minLength: 1 description: >- Schema version for Meta. Constraints, requiredness and allowed values are defined by this schema. environment: type: string enum: - sandbox - live description: >- Environment for Meta. Constraints, requiredness and allowed values are defined by this schema. required: - request_id - schema_version - environment additionalProperties: false Error: type: object properties: code: type: string enum: - validation_error - unauthenticated - forbidden - not_found - invalid_state - idempotency_conflict - insufficient_credits - precondition_failed - cursor_expired - rate_limited - temporarily_unavailable - deal_snapshot_conflict - payload_too_large - unsupported_media_type - document_rejected - processing_failed - session_expired - consent_purpose_missing - sandbox_only - scenario_not_available - idempotency_result_expired description: >- Code for Error. Constraints, requiredness and allowed values are defined by this schema. message: type: string minLength: 1 description: >- Message for Error. Constraints, requiredness and allowed values are defined by this schema. retryable: type: boolean description: >- Retryable for Error. Constraints, requiredness and allowed values are defined by this schema. request_id: type: string minLength: 1 description: >- Opaque identifier, authorized within the API key workspace and environment. field: anyOf: - type: string minLength: 1 - type: 'null' description: >- Field for Error. Constraints, requiredness and allowed values are defined by this schema. required: - code - message - retryable - request_id - field additionalProperties: false ApplicationInput: type: object properties: institution_reference: type: string minLength: 1 description: >- Institution reference for ApplicationInput. Constraints, requiredness and allowed values are defined by this schema. requested_amount: $ref: '#/components/schemas/Money' description: >- Requested amount for ApplicationInput. Constraints, requiredness and allowed values are defined by this schema. requested_term_months: type: integer minimum: 1 description: >- Requested term months for ApplicationInput. Constraints, requiredness and allowed values are defined by this schema. purpose: type: string minLength: 1 description: >- Purpose for ApplicationInput. Constraints, requiredness and allowed values are defined by this schema. declared_data: type: object description: >- Institution-defined application fields validated against application_schema_id; additionalProperties here does not bypass that schema. application_schema_id: type: string minLength: 1 description: >- Opaque identifier, authorized within the API key workspace and environment. related_borrower_ids: type: array items: type: string minLength: 1 description: >- Opaque identifier, authorized within the API key workspace and environment. uniqueItems: true description: >- Related borrower ids for ApplicationInput. Constraints, requiredness and allowed values are defined by this schema. required: - institution_reference - requested_amount - requested_term_months - purpose - application_schema_id - declared_data additionalProperties: false LendingProductVersion: type: object properties: id: type: string minLength: 1 description: >- Opaque identifier, authorized within the API key workspace and environment. created_at: type: string minLength: 1 format: date-time description: UTC time the record was created. definition: $ref: '#/components/schemas/LendingProductInput' description: >- Definition for LendingProductVersion. Constraints, requiredness and allowed values are defined by this schema. sha256: type: string minLength: 1 pattern: ^[a-f0-9]{64}$ description: >- Sha256 for LendingProductVersion. Constraints, requiredness and allowed values are defined by this schema. required: - id - created_at - definition - sha256 additionalProperties: false RiskPolicyVersion: type: object properties: id: type: string minLength: 1 description: >- Opaque identifier, authorized within the API key workspace and environment. created_at: type: string minLength: 1 format: date-time description: UTC time the record was created. definition: $ref: '#/components/schemas/RiskPolicyInput' description: >- Definition for RiskPolicyVersion. Constraints, requiredness and allowed values are defined by this schema. sha256: type: string minLength: 1 pattern: ^[a-f0-9]{64}$ description: >- Sha256 for RiskPolicyVersion. Constraints, requiredness and allowed values are defined by this schema. required: - id - created_at - definition - sha256 additionalProperties: false Dimension: type: object properties: key: type: string enum: - identity - ownership_and_control - cashflow - liquidity - revenue_quality - profitability - working_capital - leverage - repayment_capacity - concentration - collateral - fraud_and_consistency - income_and_affordability - income_stability - payment_behavior - credit_history - commerce_performance - operating_resilience - tax_and_compliance - financial_reporting_quality - data_quality - forecasting_and_stress - relationship_risk - monitoring_change status: type: string enum: - available - partial - unavailable - not_applicable description: >- Current lifecycle state. See the product lifecycle and recovery guides. summary: type: string minLength: 1 description: >- Summary for Dimension. Constraints, requiredness and allowed values are defined by this schema. metrics: type: array items: $ref: '#/components/schemas/Metric' description: >- Every catalog metric assigned to this dimension exactly once, including unavailable and not-applicable entries. Segment analyses are in analyses; do not silently drop metrics. evidence_ids: type: array items: type: string minLength: 1 description: >- Opaque identifier, authorized within the API key workspace and environment. uniqueItems: true description: >- Evidence ids for Dimension. Constraints, requiredness and allowed values are defined by this schema. required: - key - status - summary - metrics - evidence_ids additionalProperties: false allOf: - if: properties: key: const: identity then: properties: metrics: items: properties: key: enum: - business_age_months - verified_account_owner_ratio - if: properties: key: const: ownership_and_control then: properties: metrics: items: properties: key: enum: - ownership_disclosed_ratio - related_party_balance_share - supported_guarantee_coverage - if: properties: key: const: cashflow then: properties: metrics: items: properties: key: enum: - total_inflows - total_outflows - net_cash_flow - operating_cash_inflows - operating_cash_outflows - operating_net_cash_flow - internal_transfer_inflows - financing_inflows - positive_cashflow_month_share - cashflow_volatility - cashflow_change_90d - if: properties: key: const: liquidity then: properties: metrics: items: properties: key: enum: - unrestricted_cash - average_daily_balance - minimum_daily_balance - negative_balance_days - cash_buffer_days - current_ratio - quick_ratio - cash_ratio - if: properties: key: const: revenue_quality then: properties: metrics: items: properties: key: enum: - verified_revenue - recurring_revenue_share - revenue_growth_yoy - revenue_growth_90d - revenue_volatility - refund_amount_share - chargeback_amount_share - revenue_cash_realization - unverified_receipts_share - nonrecurring_revenue_share - if: properties: key: const: profitability then: properties: metrics: items: properties: key: enum: - gross_profit - gross_margin - ebitda - ebitda_margin - operating_profit - operating_margin - net_profit - net_margin - free_cash_flow - return_on_assets - if: properties: key: const: working_capital then: properties: metrics: items: properties: key: enum: - net_working_capital - receivables_days - payables_days - inventory_days - cash_conversion_cycle - ar_overdue_share - ar_90_plus_share - ap_overdue_share - inventory_turnover - if: properties: key: const: leverage then: properties: metrics: items: properties: key: enum: - total_debt - net_debt - debt_to_assets - debt_to_equity - net_debt_to_ebitda - credit_utilization - short_term_debt_share - debt_maturing_90d - if: properties: key: const: repayment_capacity then: properties: metrics: items: properties: key: enum: - dscr - fixed_charge_coverage - interest_coverage - existing_debt_service - proposed_debt_service - total_debt_service - residual_cash_after_debt - debt_service_headroom - debt_payment_to_receipts - if: properties: key: const: concentration then: properties: metrics: items: properties: key: enum: - top_customer_share - top_five_customer_share - top_supplier_share - top_channel_share - customer_hhi - income_source_hhi - if: properties: key: const: collateral then: properties: metrics: items: properties: key: enum: - collateral_ltv - combined_ltv - collateral_coverage - eligible_receivables - collateral_haircut_ratio - if: properties: key: const: fraud_and_consistency then: properties: metrics: items: properties: key: enum: - reconciliation_break_share - duplicate_transaction_share - document_contradiction_count - identity_mismatch_count - declared_income_gap_ratio - if: properties: key: const: income_and_affordability then: properties: metrics: items: properties: key: enum: - verified_gross_monthly_income - verified_net_monthly_income - debt_to_income - housing_to_income - essential_monthly_spend - residual_monthly_income - payment_to_income - liquid_reserve_months - if: properties: key: const: income_stability then: properties: metrics: items: properties: key: enum: - income_source_count - income_volatility - income_growth_yoy - days_since_last_income - income_interruption_days - income_continuity_share - if: properties: key: const: payment_behavior then: properties: metrics: items: properties: key: enum: - nsf_event_count - overdraft_days - returned_payment_amount - delinquent_obligation_count - maximum_days_past_due - on_time_payment_share - if: properties: key: const: credit_history then: properties: metrics: items: properties: key: enum: - open_credit_obligation_count - bureau_utilization - recent_credit_inquiry_count - severe_delinquency_count - public_record_event_count - if: properties: key: const: commerce_performance then: properties: metrics: items: properties: key: enum: - gross_sales - net_sales - average_order_value - repeat_customer_share - monthly_recurring_revenue - gross_revenue_retention - net_revenue_retention - settlement_delay_days - if: properties: key: const: operating_resilience then: properties: metrics: items: properties: key: enum: - payroll_burden_share - payroll_growth_yoy - inventory_stockout_share - fulfillment_on_time_share - supplier_payment_delay_days - if: properties: key: const: tax_and_compliance then: properties: metrics: items: properties: key: enum: - tax_liability - tax_overdue_amount - tax_payment_coverage - filing_coverage - if: properties: key: const: financial_reporting_quality then: properties: metrics: items: properties: key: enum: - bank_accounting_match_share - statement_balance_discrepancy - material_adjustment_share - books_closing_lag_days - if: properties: key: const: data_quality then: properties: metrics: items: properties: key: enum: - observed_account_coverage - covered_history_days - stale_source_share - unclassified_transaction_share - reconciled_value_share - if: properties: key: const: forecasting_and_stress then: properties: metrics: items: properties: key: enum: - projected_minimum_cash - stress_dscr - stress_residual_income - liquidity_shortfall - break_even_revenue_decline - if: properties: key: const: relationship_risk then: properties: metrics: items: properties: key: enum: - related_party_receipts_share - circular_flow_amount - connected_counterparty_share - if: properties: key: const: monitoring_change then: properties: metrics: items: properties: key: enum: - revenue_change_from_baseline - liquidity_change_from_baseline - dscr_change_from_baseline - obligation_growth_from_baseline PolicyResult: type: object properties: rule_id: type: string minLength: 1 description: >- Rule id for PolicyResult. Constraints, requiredness and allowed values are defined by this schema. result: type: string enum: - pass - fail - unavailable - not_applicable description: >- Result for PolicyResult. Constraints, requiredness and allowed values are defined by this schema. actual: anyOf: - type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ - type: 'null' description: >- Actual for PolicyResult. Constraints, requiredness and allowed values are defined by this schema. threshold: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ description: >- Threshold for PolicyResult. Constraints, requiredness and allowed values are defined by this schema. unit: type: string minLength: 1 description: >- Unit for PolicyResult. Constraints, requiredness and allowed values are defined by this schema. explanation: type: string minLength: 1 description: >- Explanation for PolicyResult. Constraints, requiredness and allowed values are defined by this schema. evidence_ids: type: array items: type: string minLength: 1 description: >- Opaque identifier, authorized within the API key workspace and environment. uniqueItems: true description: >- Evidence ids for PolicyResult. Constraints, requiredness and allowed values are defined by this schema. metric_key: type: string minLength: 1 calculation_version: type: string minLength: 1 metric_window: $ref: '#/components/schemas/Window' required: - rule_id - result - actual - threshold - unit - explanation - evidence_ids - metric_key - calculation_version - metric_window additionalProperties: false allOf: - if: properties: result: enum: - pass - fail then: properties: actual: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ else: properties: actual: type: 'null' SourceCoverage: type: object properties: connection_id: type: string minLength: 1 description: >- Opaque identifier, authorized within the API key workspace and environment. integration_id: type: string minLength: 1 description: >- Opaque identifier, authorized within the API key workspace and environment. source_as_of: anyOf: - type: string minLength: 1 format: date-time - type: 'null' description: >- Source as of for SourceCoverage. Constraints, requiredness and allowed values are defined by this schema. retrieved_at: type: string minLength: 1 format: date-time description: >- Retrieved at for SourceCoverage. Constraints, requiredness and allowed values are defined by this schema. window: anyOf: - $ref: '#/components/schemas/Window' - type: 'null' description: >- Window for SourceCoverage. Constraints, requiredness and allowed values are defined by this schema. status: type: string enum: - complete - partial - unavailable - stale description: >- Current lifecycle state. See the product lifecycle and recovery guides. limitations: type: array items: type: string minLength: 1 description: >- Limitations for SourceCoverage. Constraints, requiredness and allowed values are defined by this schema. required: - connection_id - integration_id - source_as_of - retrieved_at - window - status - limitations additionalProperties: false AssessmentScope: type: object properties: borrower_type: type: string enum: - business - person market: type: string enum: - US - CA reporting_currency: type: string minLength: 1 pattern: ^[A-Z]{3}$ window: $ref: '#/components/schemas/Window' account_ids: type: array items: type: string minLength: 1 uniqueItems: true entity_ids: type: array items: type: string minLength: 1 uniqueItems: true consolidation: type: string enum: - single_entity - consolidated - individual - joint accounting_basis: type: string enum: - cash - accrual - mixed coverage_basis: type: string enum: - observed_sources - declared_sources_reconciled excluded_sources: type: array items: type: object properties: source_id: type: string minLength: 1 reason: type: string minLength: 1 required: - source_id - reason additionalProperties: false fx_rates: type: array items: type: object properties: from_currency: type: string minLength: 1 pattern: ^[A-Z]{3}$ to_currency: type: string minLength: 1 pattern: ^[A-Z]{3}$ rate: type: string minLength: 1 pattern: ^(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ as_of: type: string minLength: 1 format: date-time source: type: string minLength: 1 evidence_ids: type: array items: type: string minLength: 1 uniqueItems: true required: - from_currency - to_currency - rate - as_of - source - evidence_ids additionalProperties: false required: - borrower_type - market - reporting_currency - window - account_ids - entity_ids - consolidation - accounting_basis - coverage_basis - excluded_sources - fx_rates additionalProperties: false description: >- Assessment boundaries. Observed sources do not establish all external accounts. FX rates must be positive and evidenced; never sum unlike currencies. Joint assessments require authorized related borrowers and explicit allocation. RiskFinding: type: object properties: id: type: string minLength: 1 code: type: string minLength: 1 dimension_key: type: string enum: - identity - ownership_and_control - cashflow - liquidity - revenue_quality - profitability - working_capital - leverage - repayment_capacity - concentration - collateral - fraud_and_consistency - income_and_affordability - income_stability - payment_behavior - credit_history - commerce_performance - operating_resilience - tax_and_compliance - financial_reporting_quality - data_quality - forecasting_and_stress - relationship_risk - monitoring_change severity: type: string enum: - info - warning - critical nature: type: string enum: - observation - calculation - inconsistency - suspected_anomaly - model_output summary: type: string minLength: 1 explanation: type: string minLength: 1 metric_keys: type: array items: type: string minLength: 1 evidence: type: array items: $ref: '#/components/schemas/EvidenceLocation' minItems: 1 limitations: type: array items: type: string minLength: 1 required: - id - code - dimension_key - severity - nature - summary - explanation - metric_keys - evidence - limitations additionalProperties: false description: >- Reviewable finding with source locations. Suspicion is not confirmed fraud; severity is not a probability of default. VerificationCheckSection: type: object properties: status: type: string enum: - available - partial - unavailable - not_applicable reason: anyOf: - type: string minLength: 1 - type: 'null' evidence_ids: type: array items: type: string minLength: 1 uniqueItems: true items: type: array items: $ref: '#/components/schemas/VerificationCheck' required: - status - reason - evidence_ids - items additionalProperties: false description: >- Coverage and results for verifications. Empty unavailable/not_applicable sections carry an explicit reason. Partial results must identify their limitation; an empty list alone never means a clean assessment. allOf: - if: properties: status: enum: - unavailable - not_applicable then: properties: reason: type: string minLength: 1 items: maxItems: 0 - if: properties: status: const: available then: properties: reason: type: 'null' - if: properties: status: const: partial then: properties: reason: type: string minLength: 1 items: minItems: 1 FinancialStatementSection: type: object properties: status: type: string enum: - available - partial - unavailable - not_applicable reason: anyOf: - type: string minLength: 1 - type: 'null' evidence_ids: type: array items: type: string minLength: 1 uniqueItems: true items: type: array items: $ref: '#/components/schemas/FinancialStatement' required: - status - reason - evidence_ids - items additionalProperties: false description: >- Coverage and results for financial statements. Empty unavailable/not_applicable sections carry an explicit reason. Partial results must identify their limitation; an empty list alone never means a clean assessment. allOf: - if: properties: status: enum: - unavailable - not_applicable then: properties: reason: type: string minLength: 1 items: maxItems: 0 - if: properties: status: const: available then: properties: reason: type: 'null' - if: properties: status: const: partial then: properties: reason: type: string minLength: 1 items: minItems: 1 DebtObligationSection: type: object properties: status: type: string enum: - available - partial - unavailable - not_applicable reason: anyOf: - type: string minLength: 1 - type: 'null' evidence_ids: type: array items: type: string minLength: 1 uniqueItems: true items: type: array items: $ref: '#/components/schemas/DebtObligation' required: - status - reason - evidence_ids - items additionalProperties: false description: >- Coverage and results for obligations. Empty unavailable/not_applicable sections carry an explicit reason. Partial results must identify their limitation; an empty list alone never means a clean assessment. allOf: - if: properties: status: enum: - unavailable - not_applicable then: properties: reason: type: string minLength: 1 items: maxItems: 0 - if: properties: status: const: available then: properties: reason: type: 'null' - if: properties: status: const: partial then: properties: reason: type: string minLength: 1 items: minItems: 1 IncomeStreamSection: type: object properties: status: type: string enum: - available - partial - unavailable - not_applicable reason: anyOf: - type: string minLength: 1 - type: 'null' evidence_ids: type: array items: type: string minLength: 1 uniqueItems: true items: type: array items: $ref: '#/components/schemas/IncomeStream' required: - status - reason - evidence_ids - items additionalProperties: false description: >- Coverage and results for income streams. Empty unavailable/not_applicable sections carry an explicit reason. Partial results must identify their limitation; an empty list alone never means a clean assessment. allOf: - if: properties: status: enum: - unavailable - not_applicable then: properties: reason: type: string minLength: 1 items: maxItems: 0 - if: properties: status: const: available then: properties: reason: type: 'null' - if: properties: status: const: partial then: properties: reason: type: string minLength: 1 items: minItems: 1 ReconciliationSection: type: object properties: status: type: string enum: - available - partial - unavailable - not_applicable reason: anyOf: - type: string minLength: 1 - type: 'null' evidence_ids: type: array items: type: string minLength: 1 uniqueItems: true items: type: array items: $ref: '#/components/schemas/Reconciliation' required: - status - reason - evidence_ids - items additionalProperties: false description: >- Coverage and results for reconciliations. Empty unavailable/not_applicable sections carry an explicit reason. Partial results must identify their limitation; an empty list alone never means a clean assessment. allOf: - if: properties: status: enum: - unavailable - not_applicable then: properties: reason: type: string minLength: 1 items: maxItems: 0 - if: properties: status: const: available then: properties: reason: type: 'null' - if: properties: status: const: partial then: properties: reason: type: string minLength: 1 items: minItems: 1 ConcentrationSegmentSection: type: object properties: status: type: string enum: - available - partial - unavailable - not_applicable reason: anyOf: - type: string minLength: 1 - type: 'null' evidence_ids: type: array items: type: string minLength: 1 uniqueItems: true items: type: array items: $ref: '#/components/schemas/ConcentrationSegment' required: - status - reason - evidence_ids - items additionalProperties: false description: >- Coverage and results for concentrations. Empty unavailable/not_applicable sections carry an explicit reason. Partial results must identify their limitation; an empty list alone never means a clean assessment. allOf: - if: properties: status: enum: - unavailable - not_applicable then: properties: reason: type: string minLength: 1 items: maxItems: 0 - if: properties: status: const: available then: properties: reason: type: 'null' - if: properties: status: const: partial then: properties: reason: type: string minLength: 1 items: minItems: 1 RiskProjectionSection: type: object properties: status: type: string enum: - available - partial - unavailable - not_applicable reason: anyOf: - type: string minLength: 1 - type: 'null' evidence_ids: type: array items: type: string minLength: 1 uniqueItems: true items: type: array items: $ref: '#/components/schemas/RiskProjection' required: - status - reason - evidence_ids - items additionalProperties: false description: >- Coverage and results for projections. Empty unavailable/not_applicable sections carry an explicit reason. Partial results must identify their limitation; an empty list alone never means a clean assessment. allOf: - if: properties: status: enum: - unavailable - not_applicable then: properties: reason: type: string minLength: 1 items: maxItems: 0 - if: properties: status: const: available then: properties: reason: type: 'null' - if: properties: status: const: partial then: properties: reason: type: string minLength: 1 items: minItems: 1 RiskBenchmarkSection: type: object properties: status: type: string enum: - available - partial - unavailable - not_applicable reason: anyOf: - type: string minLength: 1 - type: 'null' evidence_ids: type: array items: type: string minLength: 1 uniqueItems: true items: type: array items: $ref: '#/components/schemas/RiskBenchmark' required: - status - reason - evidence_ids - items additionalProperties: false description: >- Coverage and results for benchmarks. Empty unavailable/not_applicable sections carry an explicit reason. Partial results must identify their limitation; an empty list alone never means a clean assessment. allOf: - if: properties: status: enum: - unavailable - not_applicable then: properties: reason: type: string minLength: 1 items: maxItems: 0 - if: properties: status: const: available then: properties: reason: type: 'null' - if: properties: status: const: partial then: properties: reason: type: string minLength: 1 items: minItems: 1 RiskModelOutputSection: type: object properties: status: type: string enum: - available - partial - unavailable - not_applicable reason: anyOf: - type: string minLength: 1 - type: 'null' evidence_ids: type: array items: type: string minLength: 1 uniqueItems: true items: type: array items: $ref: '#/components/schemas/RiskModelOutput' required: - status - reason - evidence_ids - items additionalProperties: false description: >- Coverage and results for model outputs. Empty unavailable/not_applicable sections carry an explicit reason. Partial results must identify their limitation; an empty list alone never means a clean assessment. allOf: - if: properties: status: enum: - unavailable - not_applicable then: properties: reason: type: string minLength: 1 items: maxItems: 0 - if: properties: status: const: available then: properties: reason: type: 'null' - if: properties: status: const: partial then: properties: reason: type: string minLength: 1 items: minItems: 1 RiskChangeSection: type: object properties: status: type: string enum: - available - partial - unavailable - not_applicable reason: anyOf: - type: string minLength: 1 - type: 'null' evidence_ids: type: array items: type: string minLength: 1 uniqueItems: true items: type: array items: $ref: '#/components/schemas/RiskChange' required: - status - reason - evidence_ids - items additionalProperties: false description: >- Coverage and results for changes. Empty unavailable/not_applicable sections carry an explicit reason. Partial results must identify their limitation; an empty list alone never means a clean assessment. allOf: - if: properties: status: enum: - unavailable - not_applicable then: properties: reason: type: string minLength: 1 items: maxItems: 0 - if: properties: status: const: available then: properties: reason: type: 'null' - if: properties: status: const: partial then: properties: reason: type: string minLength: 1 items: minItems: 1 CollateralAssetSection: type: object properties: status: type: string enum: - available - partial - unavailable - not_applicable reason: anyOf: - type: string minLength: 1 - type: 'null' evidence_ids: type: array items: type: string minLength: 1 uniqueItems: true items: type: array items: $ref: '#/components/schemas/CollateralAsset' required: - status - reason - evidence_ids - items additionalProperties: false description: >- Coverage and results for collateral. Empty unavailable/not_applicable sections carry an explicit reason. Partial results must identify their limitation; an empty list alone never means a clean assessment. allOf: - if: properties: status: enum: - unavailable - not_applicable then: properties: reason: type: string minLength: 1 items: maxItems: 0 - if: properties: status: const: available then: properties: reason: type: 'null' - if: properties: status: const: partial then: properties: reason: type: string minLength: 1 items: minItems: 1 BorrowerRelationshipSection: type: object properties: status: type: string enum: - available - partial - unavailable - not_applicable reason: anyOf: - type: string minLength: 1 - type: 'null' evidence_ids: type: array items: type: string minLength: 1 uniqueItems: true items: type: array items: $ref: '#/components/schemas/BorrowerRelationship' required: - status - reason - evidence_ids - items additionalProperties: false description: >- Coverage and results for relationships. Empty unavailable/not_applicable sections carry an explicit reason. Partial results must identify their limitation; an empty list alone never means a clean assessment. allOf: - if: properties: status: enum: - unavailable - not_applicable then: properties: reason: type: string minLength: 1 items: maxItems: 0 - if: properties: status: const: available then: properties: reason: type: 'null' - if: properties: status: const: partial then: properties: reason: type: string minLength: 1 items: minItems: 1 CreditReportAssessmentSection: type: object properties: status: type: string enum: - available - partial - unavailable - not_applicable reason: anyOf: - type: string minLength: 1 - type: 'null' evidence_ids: type: array items: type: string minLength: 1 uniqueItems: true items: type: array items: $ref: '#/components/schemas/CreditReportAssessment' required: - status - reason - evidence_ids - items additionalProperties: false description: >- Coverage and results for credit reports. Empty unavailable/not_applicable sections carry an explicit reason. Partial results must identify their limitation; an empty list alone never means a clean assessment. allOf: - if: properties: status: enum: - unavailable - not_applicable then: properties: reason: type: string minLength: 1 items: maxItems: 0 - if: properties: status: const: available then: properties: reason: type: 'null' - if: properties: status: const: partial then: properties: reason: type: string minLength: 1 items: minItems: 1 TaxObligationSection: type: object properties: status: type: string enum: - available - partial - unavailable - not_applicable reason: anyOf: - type: string minLength: 1 - type: 'null' evidence_ids: type: array items: type: string minLength: 1 uniqueItems: true items: type: array items: $ref: '#/components/schemas/TaxObligation' required: - status - reason - evidence_ids - items additionalProperties: false description: >- Coverage and results for tax obligations. Empty unavailable/not_applicable sections carry an explicit reason. Partial results must identify their limitation; an empty list alone never means a clean assessment. allOf: - if: properties: status: enum: - unavailable - not_applicable then: properties: reason: type: string minLength: 1 items: maxItems: 0 - if: properties: status: const: available then: properties: reason: type: 'null' - if: properties: status: const: partial then: properties: reason: type: string minLength: 1 items: minItems: 1 Money: type: object properties: amount: type: string minLength: 1 pattern: ^(?:0|[1-9][0-9]*)\.[0-9]{2}$ description: >- Amount for Money. Constraints, requiredness and allowed values are defined by this schema. currency: type: string minLength: 1 pattern: ^[A-Z]{3}$ description: >- Currency for Money. Constraints, requiredness and allowed values are defined by this schema. required: - amount - currency additionalProperties: false LendingProductInput: type: object properties: external_id: type: string minLength: 1 description: >- External id for LendingProductInput. Constraints, requiredness and allowed values are defined by this schema. version: type: string minLength: 1 description: >- Version for LendingProductInput. Constraints, requiredness and allowed values are defined by this schema. name: type: string minLength: 1 description: >- Name for LendingProductInput. Constraints, requiredness and allowed values are defined by this schema. borrower_type: type: string enum: - business - person description: >- Borrower type for LendingProductInput. Constraints, requiredness and allowed values are defined by this schema. market: type: string enum: - US - CA description: >- Market for LendingProductInput. Constraints, requiredness and allowed values are defined by this schema. currency: type: string minLength: 1 pattern: ^[A-Z]{3}$ description: >- Currency for LendingProductInput. Constraints, requiredness and allowed values are defined by this schema. product_type: type: string enum: - term_loan - line_of_credit - receivables_financing - revenue_based_financing - other description: >- Product type for LendingProductInput. Constraints, requiredness and allowed values are defined by this schema. minimum_amount: $ref: '#/components/schemas/Money' description: >- Minimum amount for LendingProductInput. Constraints, requiredness and allowed values are defined by this schema. maximum_amount: $ref: '#/components/schemas/Money' description: >- Maximum amount for LendingProductInput. Constraints, requiredness and allowed values are defined by this schema. minimum_term_months: type: integer minimum: 1 description: >- Minimum term months for LendingProductInput. Constraints, requiredness and allowed values are defined by this schema. maximum_term_months: type: integer minimum: 1 description: >- Maximum term months for LendingProductInput. Constraints, requiredness and allowed values are defined by this schema. repayment_frequency: type: string enum: - daily - weekly - biweekly - monthly - at_maturity - variable description: >- Repayment frequency for LendingProductInput. Constraints, requiredness and allowed values are defined by this schema. pricing_schema_id: type: string minLength: 1 description: >- Opaque identifier, authorized within the API key workspace and environment. pricing: type: object description: >- Rate, fees, amortization and other product-specific economics, validated against the approved pricing_schema_id. All inputs needed for repayment analysis must be captured, not inferred. terms_document_ids: type: array items: type: string minLength: 1 description: >- Opaque identifier, authorized within the API key workspace and environment. uniqueItems: true description: >- Terms document ids for LendingProductInput. Constraints, requiredness and allowed values are defined by this schema. required: - external_id - version - name - borrower_type - market - currency - product_type - minimum_amount - maximum_amount - minimum_term_months - maximum_term_months - repayment_frequency - pricing_schema_id - pricing - terms_document_ids additionalProperties: false description: >- An immutable catalog version, not a merchant inventory product. Validate amount currencies, ordered bounds and approved terms before accepting. No modification or deletion of an accepted version. RiskPolicyInput: type: object properties: external_id: type: string minLength: 1 description: >- External id for RiskPolicyInput. Constraints, requiredness and allowed values are defined by this schema. version: type: string minLength: 1 description: >- Version for RiskPolicyInput. Constraints, requiredness and allowed values are defined by this schema. name: type: string minLength: 1 description: >- Name for RiskPolicyInput. Constraints, requiredness and allowed values are defined by this schema. borrower_type: type: string enum: - business - person description: >- Borrower type for RiskPolicyInput. Constraints, requiredness and allowed values are defined by this schema. market: type: string enum: - US - CA description: >- Market for RiskPolicyInput. Constraints, requiredness and allowed values are defined by this schema. rules: type: array items: $ref: '#/components/schemas/PolicyRule' minItems: 1 description: >- Rules for RiskPolicyInput. Constraints, requiredness and allowed values are defined by this schema. policy_document_ids: type: array items: type: string minLength: 1 description: >- Opaque identifier, authorized within the API key workspace and environment. uniqueItems: true description: >- Policy document ids for RiskPolicyInput. Constraints, requiredness and allowed values are defined by this schema. required: - external_id - version - name - borrower_type - market - rules - policy_document_ids additionalProperties: false description: >- Validated against authorized dimensions and the institution-approved policy before use. Documents provide context; they are not automatically executable policies. Metric: type: object properties: key: type: string enum: - business_age_months - verified_account_owner_ratio - ownership_disclosed_ratio - related_party_balance_share - supported_guarantee_coverage - total_inflows - total_outflows - net_cash_flow - operating_cash_inflows - operating_cash_outflows - operating_net_cash_flow - internal_transfer_inflows - financing_inflows - positive_cashflow_month_share - cashflow_volatility - cashflow_change_90d - unrestricted_cash - average_daily_balance - minimum_daily_balance - negative_balance_days - cash_buffer_days - current_ratio - quick_ratio - cash_ratio - verified_revenue - recurring_revenue_share - revenue_growth_yoy - revenue_growth_90d - revenue_volatility - refund_amount_share - chargeback_amount_share - revenue_cash_realization - unverified_receipts_share - nonrecurring_revenue_share - gross_profit - gross_margin - ebitda - ebitda_margin - operating_profit - operating_margin - net_profit - net_margin - free_cash_flow - return_on_assets - net_working_capital - receivables_days - payables_days - inventory_days - cash_conversion_cycle - ar_overdue_share - ar_90_plus_share - ap_overdue_share - inventory_turnover - total_debt - net_debt - debt_to_assets - debt_to_equity - net_debt_to_ebitda - credit_utilization - short_term_debt_share - debt_maturing_90d - dscr - fixed_charge_coverage - interest_coverage - existing_debt_service - proposed_debt_service - total_debt_service - residual_cash_after_debt - debt_service_headroom - debt_payment_to_receipts - top_customer_share - top_five_customer_share - top_supplier_share - top_channel_share - customer_hhi - income_source_hhi - collateral_ltv - combined_ltv - collateral_coverage - eligible_receivables - collateral_haircut_ratio - reconciliation_break_share - duplicate_transaction_share - document_contradiction_count - identity_mismatch_count - declared_income_gap_ratio - verified_gross_monthly_income - verified_net_monthly_income - debt_to_income - housing_to_income - essential_monthly_spend - residual_monthly_income - payment_to_income - liquid_reserve_months - income_source_count - income_volatility - income_growth_yoy - days_since_last_income - income_interruption_days - income_continuity_share - nsf_event_count - overdraft_days - returned_payment_amount - delinquent_obligation_count - maximum_days_past_due - on_time_payment_share - open_credit_obligation_count - bureau_utilization - recent_credit_inquiry_count - severe_delinquency_count - public_record_event_count - gross_sales - net_sales - average_order_value - repeat_customer_share - monthly_recurring_revenue - gross_revenue_retention - net_revenue_retention - settlement_delay_days - payroll_burden_share - payroll_growth_yoy - inventory_stockout_share - fulfillment_on_time_share - supplier_payment_delay_days - tax_liability - tax_overdue_amount - tax_payment_coverage - filing_coverage - bank_accounting_match_share - statement_balance_discrepancy - material_adjustment_share - books_closing_lag_days - observed_account_coverage - covered_history_days - stale_source_share - unclassified_transaction_share - reconciled_value_share - projected_minimum_cash - stress_dscr - stress_residual_income - liquidity_shortfall - break_even_revenue_decline - related_party_receipts_share - circular_flow_amount - connected_counterparty_share - revenue_change_from_baseline - liquidity_change_from_baseline - dscr_change_from_baseline - obligation_growth_from_baseline label: type: string minLength: 1 description: >- Label for Metric. Constraints, requiredness and allowed values are defined by this schema. status: type: string enum: - available - unavailable - not_applicable description: >- Current lifecycle state. See the product lifecycle and recovery guides. value: anyOf: - type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ - type: 'null' description: >- Exact decimal string. Ratio 0.25 means 25%; missing is null, never zero. No arbitrary composite credit score. unit: type: string minLength: 1 description: >- Unit for Metric. Constraints, requiredness and allowed values are defined by this schema. window: $ref: '#/components/schemas/Window' description: >- Window for Metric. Constraints, requiredness and allowed values are defined by this schema. calculation_version: type: string minLength: 1 description: >- Calculation version for Metric. Constraints, requiredness and allowed values are defined by this schema. missing_reason: anyOf: - type: string minLength: 1 - type: 'null' description: >- Missing reason for Metric. Constraints, requiredness and allowed values are defined by this schema. evidence_ids: type: array items: type: string minLength: 1 description: >- Opaque identifier, authorized within the API key workspace and environment. uniqueItems: true description: >- Evidence ids for Metric. Constraints, requiredness and allowed values are defined by this schema. analysis_basis: type: string enum: - historical - pro_forma - scenario assumptions: type: array items: type: string minLength: 1 definition_version: const: 2026-11-06.1 currency: anyOf: - type: string minLength: 1 pattern: ^[A-Z]{3}$ - type: 'null' as_of: type: string minLength: 1 format: date-time basis: type: string enum: - observed - declared - derived - estimated reason_code: anyOf: - type: string enum: - missing_source - insufficient_history - stale_source - incomplete_coverage - restricted_source - invalid_denominator - conflicting_evidence - unsupported_scope - not_applicable - not_evaluated - no_comparable_baseline - model_not_eligible - type: 'null' inputs: type: array items: $ref: '#/components/schemas/CalculationInput' coverage: type: object properties: observed_days: type: integer minimum: 0 expected_days: type: integer minimum: 0 scope_note: type: string minLength: 1 required: - observed_days - expected_days - scope_note additionalProperties: false series: type: array items: $ref: '#/components/schemas/MetricObservation' description: >- Ordered historical observations using this metric definition, unit, currency and scope. Missing periods are explicit unavailable observations; no interpolation without an estimated basis. required: - key - label - status - value - unit - window - calculation_version - missing_reason - evidence_ids - analysis_basis - assumptions - definition_version - currency - as_of - basis - reason_code - inputs - coverage - series additionalProperties: false allOf: - if: properties: status: const: available then: properties: value: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ missing_reason: type: 'null' else: properties: value: type: 'null' missing_reason: type: string minLength: 1 - if: properties: analysis_basis: enum: - pro_forma - scenario then: properties: assumptions: minItems: 1 - if: properties: unit: const: currency then: properties: currency: type: string minLength: 1 pattern: ^[A-Z]{3}$ else: properties: currency: type: 'null' - if: properties: status: const: available then: properties: reason_code: type: 'null' inputs: minItems: 1 evidence_ids: minItems: 1 else: properties: reason_code: type: string enum: - missing_source - insufficient_history - stale_source - incomplete_coverage - restricted_source - invalid_denominator - conflicting_evidence - unsupported_scope - not_applicable - not_evaluated - no_comparable_baseline - model_not_eligible - if: properties: key: const: business_age_months then: properties: unit: const: months calculation_version: const: amlok-business_age_months-1 - if: properties: key: const: verified_account_owner_ratio then: properties: unit: const: ratio calculation_version: const: amlok-verified_account_owner_ratio-1 - if: properties: key: const: ownership_disclosed_ratio then: properties: unit: const: ratio calculation_version: const: amlok-ownership_disclosed_ratio-1 - if: properties: key: const: related_party_balance_share then: properties: unit: const: ratio calculation_version: const: amlok-related_party_balance_share-1 - if: properties: key: const: supported_guarantee_coverage then: properties: unit: const: ratio calculation_version: const: amlok-supported_guarantee_coverage-1 - if: properties: key: const: total_inflows then: properties: unit: const: currency calculation_version: const: amlok-total_inflows-1 - if: properties: key: const: total_outflows then: properties: unit: const: currency calculation_version: const: amlok-total_outflows-1 - if: properties: key: const: net_cash_flow then: properties: unit: const: currency calculation_version: const: amlok-net_cash_flow-1 - if: properties: key: const: operating_cash_inflows then: properties: unit: const: currency calculation_version: const: amlok-operating_cash_inflows-1 - if: properties: key: const: operating_cash_outflows then: properties: unit: const: currency calculation_version: const: amlok-operating_cash_outflows-1 - if: properties: key: const: operating_net_cash_flow then: properties: unit: const: currency calculation_version: const: amlok-operating_net_cash_flow-1 - if: properties: key: const: internal_transfer_inflows then: properties: unit: const: currency calculation_version: const: amlok-internal_transfer_inflows-1 - if: properties: key: const: financing_inflows then: properties: unit: const: currency calculation_version: const: amlok-financing_inflows-1 - if: properties: key: const: positive_cashflow_month_share then: properties: unit: const: ratio calculation_version: const: amlok-positive_cashflow_month_share-1 - if: properties: key: const: cashflow_volatility then: properties: unit: const: ratio calculation_version: const: amlok-cashflow_volatility-1 - if: properties: key: const: cashflow_change_90d then: properties: unit: const: ratio calculation_version: const: amlok-cashflow_change_90d-1 - if: properties: key: const: unrestricted_cash then: properties: unit: const: currency calculation_version: const: amlok-unrestricted_cash-1 - if: properties: key: const: average_daily_balance then: properties: unit: const: currency calculation_version: const: amlok-average_daily_balance-1 - if: properties: key: const: minimum_daily_balance then: properties: unit: const: currency calculation_version: const: amlok-minimum_daily_balance-1 - if: properties: key: const: negative_balance_days then: properties: unit: const: days calculation_version: const: amlok-negative_balance_days-1 - if: properties: key: const: cash_buffer_days then: properties: unit: const: days calculation_version: const: amlok-cash_buffer_days-1 - if: properties: key: const: current_ratio then: properties: unit: const: ratio calculation_version: const: amlok-current_ratio-1 - if: properties: key: const: quick_ratio then: properties: unit: const: ratio calculation_version: const: amlok-quick_ratio-1 - if: properties: key: const: cash_ratio then: properties: unit: const: ratio calculation_version: const: amlok-cash_ratio-1 - if: properties: key: const: verified_revenue then: properties: unit: const: currency calculation_version: const: amlok-verified_revenue-1 - if: properties: key: const: recurring_revenue_share then: properties: unit: const: ratio calculation_version: const: amlok-recurring_revenue_share-1 - if: properties: key: const: revenue_growth_yoy then: properties: unit: const: ratio calculation_version: const: amlok-revenue_growth_yoy-1 - if: properties: key: const: revenue_growth_90d then: properties: unit: const: ratio calculation_version: const: amlok-revenue_growth_90d-1 - if: properties: key: const: revenue_volatility then: properties: unit: const: ratio calculation_version: const: amlok-revenue_volatility-1 - if: properties: key: const: refund_amount_share then: properties: unit: const: ratio calculation_version: const: amlok-refund_amount_share-1 - if: properties: key: const: chargeback_amount_share then: properties: unit: const: ratio calculation_version: const: amlok-chargeback_amount_share-1 - if: properties: key: const: revenue_cash_realization then: properties: unit: const: ratio calculation_version: const: amlok-revenue_cash_realization-1 - if: properties: key: const: unverified_receipts_share then: properties: unit: const: ratio calculation_version: const: amlok-unverified_receipts_share-1 - if: properties: key: const: nonrecurring_revenue_share then: properties: unit: const: ratio calculation_version: const: amlok-nonrecurring_revenue_share-1 - if: properties: key: const: gross_profit then: properties: unit: const: currency calculation_version: const: amlok-gross_profit-1 - if: properties: key: const: gross_margin then: properties: unit: const: ratio calculation_version: const: amlok-gross_margin-1 - if: properties: key: const: ebitda then: properties: unit: const: currency calculation_version: const: amlok-ebitda-1 - if: properties: key: const: ebitda_margin then: properties: unit: const: ratio calculation_version: const: amlok-ebitda_margin-1 - if: properties: key: const: operating_profit then: properties: unit: const: currency calculation_version: const: amlok-operating_profit-1 - if: properties: key: const: operating_margin then: properties: unit: const: ratio calculation_version: const: amlok-operating_margin-1 - if: properties: key: const: net_profit then: properties: unit: const: currency calculation_version: const: amlok-net_profit-1 - if: properties: key: const: net_margin then: properties: unit: const: ratio calculation_version: const: amlok-net_margin-1 - if: properties: key: const: free_cash_flow then: properties: unit: const: currency calculation_version: const: amlok-free_cash_flow-1 - if: properties: key: const: return_on_assets then: properties: unit: const: ratio calculation_version: const: amlok-return_on_assets-1 - if: properties: key: const: net_working_capital then: properties: unit: const: currency calculation_version: const: amlok-net_working_capital-1 - if: properties: key: const: receivables_days then: properties: unit: const: days calculation_version: const: amlok-receivables_days-1 - if: properties: key: const: payables_days then: properties: unit: const: days calculation_version: const: amlok-payables_days-1 - if: properties: key: const: inventory_days then: properties: unit: const: days calculation_version: const: amlok-inventory_days-1 - if: properties: key: const: cash_conversion_cycle then: properties: unit: const: days calculation_version: const: amlok-cash_conversion_cycle-1 - if: properties: key: const: ar_overdue_share then: properties: unit: const: ratio calculation_version: const: amlok-ar_overdue_share-1 - if: properties: key: const: ar_90_plus_share then: properties: unit: const: ratio calculation_version: const: amlok-ar_90_plus_share-1 - if: properties: key: const: ap_overdue_share then: properties: unit: const: ratio calculation_version: const: amlok-ap_overdue_share-1 - if: properties: key: const: inventory_turnover then: properties: unit: const: ratio calculation_version: const: amlok-inventory_turnover-1 - if: properties: key: const: total_debt then: properties: unit: const: currency calculation_version: const: amlok-total_debt-1 - if: properties: key: const: net_debt then: properties: unit: const: currency calculation_version: const: amlok-net_debt-1 - if: properties: key: const: debt_to_assets then: properties: unit: const: ratio calculation_version: const: amlok-debt_to_assets-1 - if: properties: key: const: debt_to_equity then: properties: unit: const: ratio calculation_version: const: amlok-debt_to_equity-1 - if: properties: key: const: net_debt_to_ebitda then: properties: unit: const: ratio calculation_version: const: amlok-net_debt_to_ebitda-1 - if: properties: key: const: credit_utilization then: properties: unit: const: ratio calculation_version: const: amlok-credit_utilization-1 - if: properties: key: const: short_term_debt_share then: properties: unit: const: ratio calculation_version: const: amlok-short_term_debt_share-1 - if: properties: key: const: debt_maturing_90d then: properties: unit: const: currency calculation_version: const: amlok-debt_maturing_90d-1 - if: properties: key: const: dscr then: properties: unit: const: ratio calculation_version: const: amlok-dscr-1 - if: properties: key: const: fixed_charge_coverage then: properties: unit: const: ratio calculation_version: const: amlok-fixed_charge_coverage-1 - if: properties: key: const: interest_coverage then: properties: unit: const: ratio calculation_version: const: amlok-interest_coverage-1 - if: properties: key: const: existing_debt_service then: properties: unit: const: currency calculation_version: const: amlok-existing_debt_service-1 - if: properties: key: const: proposed_debt_service then: properties: unit: const: currency calculation_version: const: amlok-proposed_debt_service-1 - if: properties: key: const: total_debt_service then: properties: unit: const: currency calculation_version: const: amlok-total_debt_service-1 - if: properties: key: const: residual_cash_after_debt then: properties: unit: const: currency calculation_version: const: amlok-residual_cash_after_debt-1 - if: properties: key: const: debt_service_headroom then: properties: unit: const: currency calculation_version: const: amlok-debt_service_headroom-1 - if: properties: key: const: debt_payment_to_receipts then: properties: unit: const: ratio calculation_version: const: amlok-debt_payment_to_receipts-1 - if: properties: key: const: top_customer_share then: properties: unit: const: ratio calculation_version: const: amlok-top_customer_share-1 - if: properties: key: const: top_five_customer_share then: properties: unit: const: ratio calculation_version: const: amlok-top_five_customer_share-1 - if: properties: key: const: top_supplier_share then: properties: unit: const: ratio calculation_version: const: amlok-top_supplier_share-1 - if: properties: key: const: top_channel_share then: properties: unit: const: ratio calculation_version: const: amlok-top_channel_share-1 - if: properties: key: const: customer_hhi then: properties: unit: const: ratio calculation_version: const: amlok-customer_hhi-1 - if: properties: key: const: income_source_hhi then: properties: unit: const: ratio calculation_version: const: amlok-income_source_hhi-1 - if: properties: key: const: collateral_ltv then: properties: unit: const: ratio calculation_version: const: amlok-collateral_ltv-1 - if: properties: key: const: combined_ltv then: properties: unit: const: ratio calculation_version: const: amlok-combined_ltv-1 - if: properties: key: const: collateral_coverage then: properties: unit: const: ratio calculation_version: const: amlok-collateral_coverage-1 - if: properties: key: const: eligible_receivables then: properties: unit: const: currency calculation_version: const: amlok-eligible_receivables-1 - if: properties: key: const: collateral_haircut_ratio then: properties: unit: const: ratio calculation_version: const: amlok-collateral_haircut_ratio-1 - if: properties: key: const: reconciliation_break_share then: properties: unit: const: ratio calculation_version: const: amlok-reconciliation_break_share-1 - if: properties: key: const: duplicate_transaction_share then: properties: unit: const: ratio calculation_version: const: amlok-duplicate_transaction_share-1 - if: properties: key: const: document_contradiction_count then: properties: unit: const: count calculation_version: const: amlok-document_contradiction_count-1 - if: properties: key: const: identity_mismatch_count then: properties: unit: const: count calculation_version: const: amlok-identity_mismatch_count-1 - if: properties: key: const: declared_income_gap_ratio then: properties: unit: const: ratio calculation_version: const: amlok-declared_income_gap_ratio-1 - if: properties: key: const: verified_gross_monthly_income then: properties: unit: const: currency calculation_version: const: amlok-verified_gross_monthly_income-1 - if: properties: key: const: verified_net_monthly_income then: properties: unit: const: currency calculation_version: const: amlok-verified_net_monthly_income-1 - if: properties: key: const: debt_to_income then: properties: unit: const: ratio calculation_version: const: amlok-debt_to_income-1 - if: properties: key: const: housing_to_income then: properties: unit: const: ratio calculation_version: const: amlok-housing_to_income-1 - if: properties: key: const: essential_monthly_spend then: properties: unit: const: currency calculation_version: const: amlok-essential_monthly_spend-1 - if: properties: key: const: residual_monthly_income then: properties: unit: const: currency calculation_version: const: amlok-residual_monthly_income-1 - if: properties: key: const: payment_to_income then: properties: unit: const: ratio calculation_version: const: amlok-payment_to_income-1 - if: properties: key: const: liquid_reserve_months then: properties: unit: const: months calculation_version: const: amlok-liquid_reserve_months-1 - if: properties: key: const: income_source_count then: properties: unit: const: count calculation_version: const: amlok-income_source_count-1 - if: properties: key: const: income_volatility then: properties: unit: const: ratio calculation_version: const: amlok-income_volatility-1 - if: properties: key: const: income_growth_yoy then: properties: unit: const: ratio calculation_version: const: amlok-income_growth_yoy-1 - if: properties: key: const: days_since_last_income then: properties: unit: const: days calculation_version: const: amlok-days_since_last_income-1 - if: properties: key: const: income_interruption_days then: properties: unit: const: days calculation_version: const: amlok-income_interruption_days-1 - if: properties: key: const: income_continuity_share then: properties: unit: const: ratio calculation_version: const: amlok-income_continuity_share-1 - if: properties: key: const: nsf_event_count then: properties: unit: const: count calculation_version: const: amlok-nsf_event_count-1 - if: properties: key: const: overdraft_days then: properties: unit: const: days calculation_version: const: amlok-overdraft_days-1 - if: properties: key: const: returned_payment_amount then: properties: unit: const: currency calculation_version: const: amlok-returned_payment_amount-1 - if: properties: key: const: delinquent_obligation_count then: properties: unit: const: count calculation_version: const: amlok-delinquent_obligation_count-1 - if: properties: key: const: maximum_days_past_due then: properties: unit: const: days calculation_version: const: amlok-maximum_days_past_due-1 - if: properties: key: const: on_time_payment_share then: properties: unit: const: ratio calculation_version: const: amlok-on_time_payment_share-1 - if: properties: key: const: open_credit_obligation_count then: properties: unit: const: count calculation_version: const: amlok-open_credit_obligation_count-1 - if: properties: key: const: bureau_utilization then: properties: unit: const: ratio calculation_version: const: amlok-bureau_utilization-1 - if: properties: key: const: recent_credit_inquiry_count then: properties: unit: const: count calculation_version: const: amlok-recent_credit_inquiry_count-1 - if: properties: key: const: severe_delinquency_count then: properties: unit: const: count calculation_version: const: amlok-severe_delinquency_count-1 - if: properties: key: const: public_record_event_count then: properties: unit: const: count calculation_version: const: amlok-public_record_event_count-1 - if: properties: key: const: gross_sales then: properties: unit: const: currency calculation_version: const: amlok-gross_sales-1 - if: properties: key: const: net_sales then: properties: unit: const: currency calculation_version: const: amlok-net_sales-1 - if: properties: key: const: average_order_value then: properties: unit: const: currency calculation_version: const: amlok-average_order_value-1 - if: properties: key: const: repeat_customer_share then: properties: unit: const: ratio calculation_version: const: amlok-repeat_customer_share-1 - if: properties: key: const: monthly_recurring_revenue then: properties: unit: const: currency calculation_version: const: amlok-monthly_recurring_revenue-1 - if: properties: key: const: gross_revenue_retention then: properties: unit: const: ratio calculation_version: const: amlok-gross_revenue_retention-1 - if: properties: key: const: net_revenue_retention then: properties: unit: const: ratio calculation_version: const: amlok-net_revenue_retention-1 - if: properties: key: const: settlement_delay_days then: properties: unit: const: days calculation_version: const: amlok-settlement_delay_days-1 - if: properties: key: const: payroll_burden_share then: properties: unit: const: ratio calculation_version: const: amlok-payroll_burden_share-1 - if: properties: key: const: payroll_growth_yoy then: properties: unit: const: ratio calculation_version: const: amlok-payroll_growth_yoy-1 - if: properties: key: const: inventory_stockout_share then: properties: unit: const: ratio calculation_version: const: amlok-inventory_stockout_share-1 - if: properties: key: const: fulfillment_on_time_share then: properties: unit: const: ratio calculation_version: const: amlok-fulfillment_on_time_share-1 - if: properties: key: const: supplier_payment_delay_days then: properties: unit: const: days calculation_version: const: amlok-supplier_payment_delay_days-1 - if: properties: key: const: tax_liability then: properties: unit: const: currency calculation_version: const: amlok-tax_liability-1 - if: properties: key: const: tax_overdue_amount then: properties: unit: const: currency calculation_version: const: amlok-tax_overdue_amount-1 - if: properties: key: const: tax_payment_coverage then: properties: unit: const: ratio calculation_version: const: amlok-tax_payment_coverage-1 - if: properties: key: const: filing_coverage then: properties: unit: const: ratio calculation_version: const: amlok-filing_coverage-1 - if: properties: key: const: bank_accounting_match_share then: properties: unit: const: ratio calculation_version: const: amlok-bank_accounting_match_share-1 - if: properties: key: const: statement_balance_discrepancy then: properties: unit: const: currency calculation_version: const: amlok-statement_balance_discrepancy-1 - if: properties: key: const: material_adjustment_share then: properties: unit: const: ratio calculation_version: const: amlok-material_adjustment_share-1 - if: properties: key: const: books_closing_lag_days then: properties: unit: const: days calculation_version: const: amlok-books_closing_lag_days-1 - if: properties: key: const: observed_account_coverage then: properties: unit: const: ratio calculation_version: const: amlok-observed_account_coverage-1 - if: properties: key: const: covered_history_days then: properties: unit: const: days calculation_version: const: amlok-covered_history_days-1 - if: properties: key: const: stale_source_share then: properties: unit: const: ratio calculation_version: const: amlok-stale_source_share-1 - if: properties: key: const: unclassified_transaction_share then: properties: unit: const: ratio calculation_version: const: amlok-unclassified_transaction_share-1 - if: properties: key: const: reconciled_value_share then: properties: unit: const: ratio calculation_version: const: amlok-reconciled_value_share-1 - if: properties: key: const: projected_minimum_cash then: properties: unit: const: currency calculation_version: const: amlok-projected_minimum_cash-1 - if: properties: key: const: stress_dscr then: properties: unit: const: ratio calculation_version: const: amlok-stress_dscr-1 - if: properties: key: const: stress_residual_income then: properties: unit: const: currency calculation_version: const: amlok-stress_residual_income-1 - if: properties: key: const: liquidity_shortfall then: properties: unit: const: currency calculation_version: const: amlok-liquidity_shortfall-1 - if: properties: key: const: break_even_revenue_decline then: properties: unit: const: ratio calculation_version: const: amlok-break_even_revenue_decline-1 - if: properties: key: const: related_party_receipts_share then: properties: unit: const: ratio calculation_version: const: amlok-related_party_receipts_share-1 - if: properties: key: const: circular_flow_amount then: properties: unit: const: currency calculation_version: const: amlok-circular_flow_amount-1 - if: properties: key: const: connected_counterparty_share then: properties: unit: const: ratio calculation_version: const: amlok-connected_counterparty_share-1 - if: properties: key: const: revenue_change_from_baseline then: properties: unit: const: ratio calculation_version: const: amlok-revenue_change_from_baseline-1 - if: properties: key: const: liquidity_change_from_baseline then: properties: unit: const: currency calculation_version: const: amlok-liquidity_change_from_baseline-1 - if: properties: key: const: dscr_change_from_baseline then: properties: unit: const: ratio calculation_version: const: amlok-dscr_change_from_baseline-1 - if: properties: key: const: obligation_growth_from_baseline then: properties: unit: const: ratio calculation_version: const: amlok-obligation_growth_from_baseline-1 Window: type: object properties: start: type: string minLength: 1 format: date-time description: >- Start for Window. Constraints, requiredness and allowed values are defined by this schema. end: type: string minLength: 1 format: date-time description: >- End for Window. Constraints, requiredness and allowed values are defined by this schema. required: - start - end additionalProperties: false description: UTC interval [start, end). The server rejects end <= start. EvidenceLocation: type: object properties: evidence_id: type: string minLength: 1 field_path: anyOf: - type: string minLength: 1 description: RFC 6901 JSON pointer into the frozen evidence record. - type: 'null' document_id: anyOf: - type: string minLength: 1 - type: 'null' page: anyOf: - type: integer minimum: 1 - type: 'null' quote: anyOf: - type: string minLength: 1 description: Short permitted excerpt, with sensitive information minimized. - type: 'null' required: - evidence_id - field_path - document_id - page - quote additionalProperties: false description: >- Evidence belongs to this package evidence_set. Page is one-based; document_id is required whenever page is present. allOf: - if: properties: page: type: integer then: properties: document_id: type: string minLength: 1 VerificationCheck: type: object properties: id: type: string minLength: 1 check: type: string enum: - identity - account_ownership - business_registration - beneficial_ownership - document_authenticity - income_verification - credit_report_match - lien - tax_filing subject_id: type: string minLength: 1 result: type: string enum: - matched - not_matched - inconclusive - not_checked provider: anyOf: - type: string minLength: 1 - type: 'null' observed_at: anyOf: - type: string minLength: 1 format: date-time - type: 'null' explanation: type: string minLength: 1 evidence: type: array items: $ref: '#/components/schemas/EvidenceLocation' required: - id - check - subject_id - result - provider - observed_at - explanation - evidence additionalProperties: false description: >- Provider and observation context remain visible. Inconclusive, not checked and no matching record must never become a verified pass. FinancialStatement: type: object properties: id: type: string minLength: 1 kind: type: string enum: - income_statement - balance_sheet - cash_flow window: $ref: '#/components/schemas/Window' as_of: type: string minLength: 1 format: date-time basis: type: string enum: - cash - accrual currency: type: string minLength: 1 pattern: ^[A-Z]{3}$ consolidation: type: string minLength: 1 lines: type: array items: type: object properties: key: type: string minLength: 1 label: type: string minLength: 1 amount: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ parent_key: anyOf: - type: string minLength: 1 - type: 'null' is_subtotal: type: boolean evidence: type: array items: $ref: '#/components/schemas/EvidenceLocation' minItems: 1 required: - key - label - amount - parent_key - is_subtotal - evidence additionalProperties: false minItems: 1 adjustments: type: array items: type: object properties: line_key: type: string minLength: 1 amount: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ reason: type: string minLength: 1 evidence: type: array items: $ref: '#/components/schemas/EvidenceLocation' minItems: 1 required: - line_key - amount - reason - evidence additionalProperties: false required: - id - kind - window - as_of - basis - currency - consolidation - lines - adjustments additionalProperties: false description: >- Normalized statements with hierarchy and sourced adjustments. Do not sum both a subtotal and its children. Adjustments never overwrite source statements. DebtObligation: type: object properties: id: type: string minLength: 1 creditor_reference: anyOf: - type: string minLength: 1 - type: 'null' kind: type: string enum: - term_loan - revolving - lease - mortgage - trade - tax - other basis: type: string enum: - observed - declared - inferred proposed: type: boolean currency: type: string minLength: 1 pattern: ^[A-Z]{3}$ outstanding: anyOf: - type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ - type: 'null' limit: anyOf: - type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ - type: 'null' annual_rate: anyOf: - type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ - type: 'null' maturity_date: anyOf: - type: string minLength: 1 format: date - type: 'null' secured: anyOf: - type: boolean - type: 'null' payment_schedule: type: array items: type: object properties: due_at: type: string minLength: 1 format: date-time principal: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ interest: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ fees: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ balloon: type: boolean required: - due_at - principal - interest - fees - balloon additionalProperties: false coverage: type: string enum: - complete - partial missing_fields: type: array items: type: string minLength: 1 evidence: type: array items: $ref: '#/components/schemas/EvidenceLocation' minItems: 1 required: - id - creditor_reference - kind - basis - proposed - currency - outstanding - limit - annual_rate - maturity_date - secured - payment_schedule - coverage - missing_fields - evidence additionalProperties: false description: >- Resolved obligations and exact required payments, including proposed exposure. Inferred recurring debits do not prove outstanding principal, contract rate or complete liabilities. Schedules use stated currency; rate is a fraction. IncomeStream: type: object properties: id: type: string minLength: 1 kind: type: string enum: - employment - self_employment - benefit - pension - rental - other payer_reference: anyOf: - type: string minLength: 1 - type: 'null' basis: type: string enum: - observed - declared - estimated gross_monthly: anyOf: - type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ - type: 'null' net_monthly: anyOf: - type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ - type: 'null' currency: type: string minLength: 1 pattern: ^[A-Z]{3}$ cadence: type: string enum: - weekly - biweekly - semimonthly - monthly - irregular first_observed_at: type: string minLength: 1 format: date-time last_observed_at: type: string minLength: 1 format: date-time verification: type: string enum: - verified - partially_verified - unverified evidence: type: array items: $ref: '#/components/schemas/EvidenceLocation' minItems: 1 required: - id - kind - payer_reference - basis - gross_monthly - net_monthly - currency - cadence - first_observed_at - last_observed_at - verification - evidence additionalProperties: false description: >- Independent gross and net income evidence. Deposits alone establish neither pretax income nor an employment relationship. Monthly conversion: weekly ×52/12, biweekly ×26/12, semimonthly ×2; disclose irregular-period method. Reconciliation: type: object properties: id: type: string minLength: 1 left_source: type: string minLength: 1 right_source: type: string minLength: 1 window: $ref: '#/components/schemas/Window' currency: type: string minLength: 1 pattern: ^[A-Z]{3}$ left_total: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ right_total: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ adjustments: type: array items: type: object properties: kind: type: string enum: - fees - refunds - tax - timing - fx - other amount: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ explanation: type: string minLength: 1 evidence: type: array items: $ref: '#/components/schemas/EvidenceLocation' minItems: 1 required: - kind - amount - explanation - evidence additionalProperties: false adjusted_left_total: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ residual: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ tolerance: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ result: type: string enum: - matched - unmatched - inconclusive evidence: type: array items: $ref: '#/components/schemas/EvidenceLocation' minItems: 1 required: - id - left_source - right_source - window - currency - left_total - right_total - adjustments - adjusted_left_total - residual - tolerance - result - evidence additionalProperties: false description: >- Bridge: adjusted_left_total = left_total + signed adjustments; residual = adjusted_left_total - right_total. Matched requires abs(residual) <= nonnegative tolerance plus complete comparable populations. Differences are not automatically fraud. ConcentrationSegment: type: object properties: id: type: string minLength: 1 kind: type: string enum: - customer - supplier - income_source - channel - geography - currency window: $ref: '#/components/schemas/Window' currency: type: string minLength: 1 pattern: ^[A-Z]{3}$ total: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ unallocated_amount: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ buckets: type: array items: type: object properties: reference: type: string minLength: 1 amount: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ share: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ evidence_ids: type: array items: type: string minLength: 1 uniqueItems: true required: - reference - amount - share - evidence_ids additionalProperties: false required: - id - kind - window - currency - total - unallocated_amount - buckets additionalProperties: false description: >- Buckets plus unallocated_amount reconcile to total. Shares use the same positive denominator. Pseudonymous counterparties are limited to the authorized borrower scope; no unrelated customer data. RiskProjection: type: object properties: id: type: string minLength: 1 kind: type: string enum: - baseline - stress method: type: string enum: - deterministic - statistical model_version: type: string minLength: 1 horizon: $ref: '#/components/schemas/Window' assumptions: type: array items: type: object properties: parameter: type: string minLength: 1 value: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ unit: type: string minLength: 1 rationale: type: string minLength: 1 required: - parameter - value - unit - rationale additionalProperties: false minItems: 1 metric_key: type: string minLength: 1 unit: type: string minLength: 1 currency: anyOf: - type: string minLength: 1 pattern: ^[A-Z]{3}$ - type: 'null' observations: type: array items: $ref: '#/components/schemas/MetricObservation' minItems: 1 interval: anyOf: - type: object properties: level: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ method: type: string minLength: 1 calibration_reference: type: string minLength: 1 lower: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ upper: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ required: - level - method - calibration_reference - lower - upper additionalProperties: false - type: 'null' limitations: type: array items: type: string minLength: 1 required: - id - kind - method - model_version - horizon - assumptions - metric_key - unit - currency - observations - interval - limitations additionalProperties: false description: >- Conditional forecast under explicit parameter assumptions, not a promise or default probability. A statistical interval needs calibration evidence; a deterministic stress range is not a confidence interval. Each output identifies its horizon, currency and unit. allOf: - if: properties: method: const: deterministic then: properties: interval: type: 'null' - if: properties: unit: const: currency then: properties: currency: type: string minLength: 1 pattern: ^[A-Z]{3}$ else: properties: currency: type: 'null' RiskBenchmark: type: object properties: id: type: string minLength: 1 metric_key: type: string minLength: 1 cohort: type: object properties: market: type: string enum: - US - CA industry: anyOf: - type: string minLength: 1 - type: 'null' borrower_type: type: string enum: - business - person size_band: anyOf: - type: string minLength: 1 - type: 'null' period: $ref: '#/components/schemas/Window' sample_size: type: integer minimum: 1 source: type: string minLength: 1 methodology_version: type: string minLength: 1 required: - market - industry - borrower_type - size_band - period - sample_size - source - methodology_version additionalProperties: false percentile: type: string minLength: 1 pattern: ^(?:0(?:\.[0-9]+)?|1(?:\.0+)?)$ limitations: type: array items: type: string minLength: 1 required: - id - metric_key - cohort - percentile - limitations additionalProperties: false description: >- Only an entitled, relevant, documented cohort can yield a percentile. No invented peers, universal cutoffs or source-free industry rankings. RiskModelOutput: type: object properties: id: type: string minLength: 1 kind: type: string enum: - probability_of_default - loss_given_default - expected_loss - provider_score value: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ unit: type: string enum: - ratio - currency - score currency: anyOf: - type: string minLength: 1 pattern: ^[A-Z]{3}$ - type: 'null' model_version: type: string minLength: 1 provider: type: string minLength: 1 target_definition: type: string minLength: 1 horizon_months: type: integer minimum: 1 population: type: string minLength: 1 market: type: string enum: - US - CA validation_reference: type: string minLength: 1 calibration_as_of: type: string minLength: 1 format: date-time reason_codes: type: array items: type: string minLength: 1 minItems: 1 limitations: type: array items: type: string minLength: 1 required: - id - kind - value - unit - currency - model_version - provider - target_definition - horizon_months - population - market - validation_reference - calibration_as_of - reason_codes - limitations additionalProperties: false description: >- Only entitled, validated outputs applicable to this borrower/population. Provider scores retain their original model and scale. Never substitute a heuristic or deterministic scenario for a calibrated PD/LGD. Score scale and target are documented by validation_reference. allOf: - if: properties: kind: enum: - probability_of_default - loss_given_default then: properties: unit: const: ratio currency: type: 'null' value: type: string minLength: 1 pattern: ^(?:0(?:\.[0-9]+)?|1(?:\.0+)?)$ - if: properties: kind: const: expected_loss then: properties: unit: const: currency currency: type: string minLength: 1 pattern: ^[A-Z]{3}$ value: type: string minLength: 1 pattern: ^(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ - if: properties: kind: const: provider_score then: properties: unit: const: score currency: type: 'null' RiskChange: type: object properties: metric_key: type: string minLength: 1 previous_package_id: type: string minLength: 1 comparable: type: boolean reason: anyOf: - type: string minLength: 1 - type: 'null' previous_value: anyOf: - type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ - type: 'null' current_value: anyOf: - type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ - type: 'null' absolute_delta: anyOf: - type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ - type: 'null' relative_delta: anyOf: - type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ - type: 'null' evidence_ids: type: array items: type: string minLength: 1 uniqueItems: true required: - metric_key - previous_package_id - comparable - reason - previous_value - current_value - absolute_delta - relative_delta - evidence_ids additionalProperties: false allOf: - if: properties: comparable: const: false then: properties: reason: type: string minLength: 1 absolute_delta: type: 'null' relative_delta: type: 'null' else: properties: previous_value: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ current_value: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ absolute_delta: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ reason: type: 'null' description: >- Only compare compatible calculation versions, scope, units, currency, observation windows and evidence quality. relative_delta is null with zero/nonpositive baseline; absolute_delta remains numeric when valid. CollateralAsset: type: object properties: id: type: string minLength: 1 kind: type: string enum: - property - equipment - inventory - receivables - cash - investment - other owner_subject_id: type: string minLength: 1 ownership_share: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ currency: type: string minLength: 1 pattern: ^[A-Z]{3}$ valuation: anyOf: - type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ - type: 'null' valuation_at: anyOf: - type: string minLength: 1 format: date-time - type: 'null' valuation_method: anyOf: - type: string minLength: 1 - type: 'null' eligible_value: anyOf: - type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ - type: 'null' haircut: anyOf: - type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ - type: 'null' liens: type: array items: type: object properties: holder_reference: type: string minLength: 1 priority: anyOf: - type: integer minimum: 1 - type: 'null' amount: anyOf: - type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ - type: 'null' status: type: string enum: - reported - verified - released - disputed required: - holder_reference - priority - amount - status additionalProperties: false limitations: type: array items: type: string minLength: 1 evidence: type: array items: $ref: '#/components/schemas/EvidenceLocation' minItems: 1 required: - id - kind - owner_subject_id - ownership_share - currency - valuation - valuation_at - valuation_method - eligible_value - haircut - liens - limitations - evidence additionalProperties: false description: >- Dated asset valuation, ownership and encumbrance evidence. Eligible value is a justified assessment, not an enforceability guarantee. Unknown liens or stale valuations are explicit limitations; do not report zero liens from an absent search. BorrowerRelationship: type: object properties: id: type: string minLength: 1 from_subject_id: type: string minLength: 1 to_reference: type: string minLength: 1 kind: type: string enum: - owner - controller - guarantor - related_party - customer - supplier ownership_share: anyOf: - type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ - type: 'null' valid_as_of: type: string minLength: 1 format: date-time basis: type: string enum: - verified - declared - inferred explanation: type: string minLength: 1 evidence: type: array items: $ref: '#/components/schemas/EvidenceLocation' minItems: 1 required: - id - from_subject_id - to_reference - kind - ownership_share - valid_as_of - basis - explanation - evidence additionalProperties: false description: >- An authorized borrower relationship with its basis and observation date. IDs are scoped references; an inferred relationship is never represented as verified ownership. No unrelated institution identity graph. CreditReportAssessment: type: object properties: id: type: string minLength: 1 provider: type: string minLength: 1 report_type: type: string minLength: 1 market: type: string enum: - US - CA pulled_at: type: string minLength: 1 format: date-time subject_match: type: string enum: - matched - inconclusive - not_matched report_document_id: anyOf: - type: string minLength: 1 - type: 'null' score: anyOf: - type: object properties: value: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ minimum: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ maximum: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ higher_is: type: string enum: - lower_risk - higher_risk model: type: string minLength: 1 reason_codes: type: array items: type: string minLength: 1 required: - value - minimum - maximum - higher_is - model - reason_codes additionalProperties: false - type: 'null' obligation_ids: type: array items: type: string minLength: 1 uniqueItems: true disputes: type: array items: type: string minLength: 1 coverage_notes: type: array items: type: string minLength: 1 evidence: type: array items: $ref: '#/components/schemas/EvidenceLocation' minItems: 1 required: - id - provider - report_type - market - pulled_at - subject_match - report_document_id - score - obligation_ids - disputes - coverage_notes - evidence additionalProperties: false description: >- Entitled matched bureau evidence retains provider/model/score scale, pull date and disputes. A missing report is unavailable, not a clean credit record. No cross-model score averaging. Linked obligations are resolved without double-counting. TaxObligation: type: object properties: id: type: string minLength: 1 jurisdiction: type: string minLength: 1 tax_type: type: string minLength: 1 period: $ref: '#/components/schemas/Window' currency: type: string minLength: 1 pattern: ^[A-Z]{3}$ basis: type: string enum: - declared - filed - assessed amount: anyOf: - type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ - type: 'null' paid_amount: anyOf: - type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ - type: 'null' due_date: anyOf: - type: string minLength: 1 format: date - type: 'null' filing_status: type: string enum: - filed - not_filed - unknown payment_status: type: string enum: - paid - partially_paid - unpaid - unknown disputed: type: boolean evidence: type: array items: $ref: '#/components/schemas/EvidenceLocation' minItems: 1 required: - id - jurisdiction - tax_type - period - currency - basis - amount - paid_amount - due_date - filing_status - payment_status - disputed - evidence additionalProperties: false description: >- Separate tax declaration, filing, assessment and payment evidence. Unknown records cannot establish compliance or arrears. Duplicate tax obligations already in the debt schedule are linked in evidence rather than charged twice. PolicyRule: type: object properties: id: type: string minLength: 1 description: Opaque identifier for this PolicyRule record. dimension_key: type: string minLength: 1 description: >- Scalar metric key from configuration.dimensions, for example dscr or debt_to_income, never a dimension-family name. Unit, borrower applicability and calculation version must match approved configuration. operator: type: string enum: - gt - gte - lt - lte - eq description: >- Operator for PolicyRule. Constraints, requiredness and allowed values are defined by this schema. threshold: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ description: >- Threshold for PolicyRule. Constraints, requiredness and allowed values are defined by this schema. unit: type: string minLength: 1 description: >- Unit for PolicyRule. Constraints, requiredness and allowed values are defined by this schema. on_missing: const: review description: >- On missing for PolicyRule. Constraints, requiredness and allowed values are defined by this schema. on_fail: type: string enum: - review - outside_policy description: >- On fail for PolicyRule. Constraints, requiredness and allowed values are defined by this schema. calculation_version: type: string minLength: 1 description: >- Pin the calculation version returned by configuration.dimensions. A different method requires a new immutable risk-policy version. required: - id - dimension_key - operator - threshold - unit - on_missing - on_fail - calculation_version additionalProperties: false description: >- This rule language supports scalar comparisons only. Units and types must match the approved dimension. No executable code, arbitrary expressions or inferred pass for missing data. CalculationInput: type: object properties: name: type: string minLength: 1 value: anyOf: - type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ - type: 'null' unit: type: string minLength: 1 currency: anyOf: - type: string minLength: 1 pattern: ^[A-Z]{3}$ - type: 'null' basis: type: string enum: - observed - declared - derived - estimated evidence: type: array items: $ref: '#/components/schemas/EvidenceLocation' minItems: 1 required: - name - value - unit - currency - basis - evidence additionalProperties: false description: >- A numeric input to the exact calculation. Declared and estimated inputs remain distinguishable from observed values. Null input values cannot support an available metric. MetricObservation: type: object properties: window: $ref: '#/components/schemas/Window' status: type: string enum: - available - unavailable value: anyOf: - type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ - type: 'null' reason: anyOf: - type: string minLength: 1 - type: 'null' evidence_ids: type: array items: type: string minLength: 1 uniqueItems: true required: - window - status - value - reason - evidence_ids additionalProperties: false allOf: - if: properties: status: const: available then: properties: value: type: string minLength: 1 pattern: ^-?(?:0|[1-9][0-9]*)(?:\.[0-9]+)?$ reason: type: 'null' evidence_ids: minItems: 1 else: properties: value: type: 'null' reason: type: string minLength: 1 securitySchemes: BearerAuth: type: http scheme: bearer bearerFormat: API key description: >- Server-to-server API key bound to exactly one workspace, institution tenant and environment. No caller-supplied workspace override is accepted. 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