{
  "CreateBorrower": {
    "type": "business",
    "business": {
      "legal_name": "Synthetic Borrower Inc.",
      "incorporation_country": "CA",
      "client_reference": "LOS-B-0042"
    }
  },
  "LendingProductInput": {
    "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": []
  },
  "RiskPolicyInput": {
    "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": []
  },
  "CreateOrigination": {
    "borrower_id": "bor_synthetic",
    "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_version_id": "lpv_synthetic",
    "risk_policy_version_id": "rpv_synthetic",
    "connection_ids": [
      "con_synthetic"
    ],
    "document_ids": []
  },
  "CreateMonitor": {
    "borrower_id": "bor_synthetic",
    "deal": {
      "institution_reference": "LOAN-0042",
      "funded_amount": {
        "amount": "50000.00",
        "currency": "CAD"
      },
      "outstanding_amount": {
        "amount": "50000.00",
        "currency": "CAD"
      },
      "funded_at": "2026-11-05T12:00:00Z",
      "maturity_date": "2027-11-06",
      "repayment_frequency": "monthly",
      "terms_document_ids": []
    },
    "baseline": {
      "risk_package_id": "rp_synthetic"
    },
    "risk_policy_version_id": "rpv_synthetic",
    "cadence_id": "cadence_synthetic",
    "connection_ids": [
      "con_synthetic"
    ]
  },
  "DealSnapshotInput": {
    "previous_snapshot_id": "ds_initial",
    "effective_at": "2026-11-06T12:00:00Z",
    "deal": {
      "institution_reference": "LOAN-0042",
      "funded_amount": {
        "amount": "50000.00",
        "currency": "CAD"
      },
      "outstanding_amount": {
        "amount": "48000.00",
        "currency": "CAD"
      },
      "funded_at": "2026-11-05T12:00:00Z",
      "maturity_date": "2027-11-06",
      "repayment_frequency": "monthly",
      "terms_document_ids": []
    },
    "performance": null
  }
}