Evidence-backed loan discovery preserving UNKNOWN and match states; never guarantees approval.
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Use when a user wants documented requirements checked for one returned product using supplied non-sensitive characteristics. Never predicts eligibility or approval.
Public transports always execute in PRODUCTION_MODE. EVALUATION_MODE is rejected.
Use when a user wants documented requirements checked for one returned product using supplied non-sensitive characteristics. Never predicts eligibility or approval.
| Argument | Type | Description |
|---|---|---|
| product_id* | string | |
| execution_mode | string | Public transports always execute in PRODUCTION_MODE. EVALUATION_MODE is rejected. |
| characteristics* | object |
{
"type": "object",
"required": [
"product_id",
"characteristics"
],
"properties": {
"product_id": {
"type": "string",
"pattern": "^[A-Z0-9-]+$",
"maxLength": 100
},
"execution_mode": {
"type": "string",
"const": "PRODUCTION_MODE",
"description": "Public transports always execute in PRODUCTION_MODE. EVALUATION_MODE is rejected."
},
"characteristics": {
"type": "object",
"properties": {
"age": {
"type": "integer",
"minimum": 1
},
"business_age": {
"type": "object",
"required": [
"value",
"unit"
],
"properties": {
"unit": {
"enum": [
"DAY",
"MONTH",
"YEAR"
],
"type": "string"
},
"value": {
"type": "integer",
"minimum": 1
}
},
"additionalProperties": false
},
"borrower_type": {
"enum": [
"CONSUMER",
"SOLE_TRADER",
"BUSINESS"
],
"type": "string"
},
"borrower_count": {
"type": "integer",
"minimum": 1
},
"residence_country": {
"type": "string",
"pattern": "^[A-Z]{2}$",
"maxLength": 2,
"minLength": 2
},
"citizenship_country": {
"type": "string",
"pattern": "^[A-Z]{2}$",
"maxLength": 2,
"minLength": 2
},
"id_document_present": {
"type": "boolean"
},
"bank_account_present": {
"type": "boolean"
},
"customer_relationship": {
"enum": [
"FIRST_CUSTOMER",
"NEW_CUSTOMER",
"REPEAT_CUSTOMER",
"EXISTING_CUSTOMER"
],
"type": "string"
}
},
"additionalProperties": false
}
},
"additionalProperties": false
}Use after product discovery to compare evidence-backed, scenario-bound borrowing costs for two or more returned products. Does not mix incompatible products or representative scenarios.
| Argument | Type | Description |
|---|---|---|
| context | object | |
| scenario | object | |
| product_ids* | array | |
| execution_mode | string | Public transports always execute in PRODUCTION_MODE. EVALUATION_MODE is rejected. |
{
"type": "object",
"required": [
"product_ids"
],
"properties": {
"context": {
"type": "object",
"properties": {
"term": {
"type": "object",
"required": [
"value",
"unit"
],
"properties": {
"unit": {
"enum": [
"DAY",
"MONTH"
],
"type": "string"
},
"basis": {
"enum": [
"CONTRACT_TERM",
"REPAYMENT_TERM",
"DRAW_PERIOD",
"CARD_VALIDITY"
],
"type": "string"
},
"value": {
"type": "integer",
"minimum": 1
}
},
"additionalProperties": false
},
"amount": {
"type": "object",
"required": [
"value",
"currency"
],
"properties": {
"basis": {
"enum": [
"REQUESTED_AMOUNT",
"DISBURSED_AMOUNT",
"CREDIT_LIMIT",
"DRAWN_AMOUNT"
],
"type": "string"
},
"value": {
"type": "number",
"exclusiveMinimum": 0
},
"currency": {
"type": "string",
"pattern": "^[A-Z]{3}$",
"maxLength": 3,
"minLength": 3
}
},
"additionalProperties": false
},
"purpose": {
"enum": [
"GENERAL_CASH",
"SHORT_TERM_CASH",
"CONSOLIDATION",
"BUSINESS",
"VEHICLE",
"PROPERTY"
],
"type": "string"
},
"borrower_type": {
"enum": [
"CONSUMER",
"SOLE_TRADER",
"BUSINESS"
],
"type": "string"
},
"offer_context": {
"enum": [
"STANDARD",
"PROMOTIONAL"
],
"type": "string"
},
"applicant_role": {
"enum": [
"BORROWER",
"CO_BORROWER",
"BUSINESS_OWNER",
"AUTHORIZED_REPRESENTATIVE"
],
"type": "string"
},
"borrower_count": {
"type": "integer",
"minimum": 1
},
"customer_relationship": {
"enum": [
"FIRST_CUSTOMER",
"NEW_CUSTOMER",
"REPEAT_CUSTOMER",
"EXISTING_CUSTOMER"
],
"type": "string"
}
},
"additionalProperties": false
},
"scenario": {
"type": "object",
"required": [
"amount"
],
"properties": {
"term": {
"type": "object",
"required": [
"value",
"unit"
],
"properties": {
"unit": {
"enum": [
"DAY",
"MONTH"
],
"type": "string"
},
"basis": {
"enum": [
"CONTRACT_TERM",
"REPAYMENT_TERM",
"DRAW_PERIOD",
"CARD_VALIDITY"
],
"type": "string"
},
"value": {
"type": "integer",
"minimum": 1
}
},
"additionalProperties": false
},
"amount": {
"type": "object",
"required": [
"value",
"currency"
],
"properties": {
"basis": {
"enum": [
"REQUESTED_AMOUNT",
"DISBURSED_AMOUNT",
"CREDIT_LIMIT",
"DRAWN_AMOUNT"
],
"type": "string"
},
"value": {
"type": "number",
"exclusiveMinimum": 0
},
"currency": {
"type": "string",
"pattern": "^[A-Z]{3}$",
"maxLength": 3,
"minLength": 3
}
},
"additionalProperties": false
},
"product_type": {
"enum": [
"SHORT_TERM_LOAN",
"INSTALLMENT_LOAN",
"BANK_CASH_LOAN",
"CONSOLIDATION_LOAN",
"CREDIT_LINE",
"CREDIT_CARD",
"BUSINESS_LOAN",
"BUSINESS_CREDIT_LINE",
"AUTO_LOAN",
"MORTGAGE"
],
"type": "string"
}
},
"additionalProperties": false
},
"product_ids": {
"type": "array",
"items": {
"type": "string",
"pattern": "^[A-Z0-9-]+$",
"maxLength": 100
},
"maxItems": 20,
"minItems": 2,
"uniqueItems": true
},
"execution_mode": {
"type": "string",
"const": "PRODUCTION_MODE",
"description": "Public transports always execute in PRODUCTION_MODE. EVALUATION_MODE is rejected."
}
},
"additionalProperties": false
}Use when a user asks which loan, credit, card, mortgage, or other borrowing products may fit stated requirements in a supported country. Returns governed match states, not eligibility or approval.
| Argument | Type | Description |
|---|---|---|
| term | object | |
| amount | object | |
| country* | string | |
| purpose | string | |
| product_type | string | |
| borrower_type | string | |
| offer_context | string | |
| applicant_role | string | |
| borrower_count | integer | |
| execution_mode | string | Public transports always execute in PRODUCTION_MODE. EVALUATION_MODE is rejected. |
Use when a user asks for evidence-backed facts, limitations, requirements, applicability, or commercial handoff details for one canonical product.
| Argument | Type | Description |
|---|---|---|
| context | object | |
| product_id* | string | |
| execution_mode | string | Public transports always execute in PRODUCTION_MODE. EVALUATION_MODE is rejected. |
{
"type": "object",
"required": [
"product_id"
],
"properties": {
"context": {
"type": "object",
"properties": {
"term": {
"type": "object",
"required": [
"value",
"unit"
],
"properties": {
"unit": {
"enum": [
"DAY",
"MONTH"
],
"type": "string"
},
"basis": {
"enum": [
"CONTRACT_TERM",
"REPAYMENT_TERM",
"DRAW_PERIOD",
"CARD_VALIDITY"
],
"type": "string"
},
"value": {
"type": "integer",
"minimum": 1
}
},
"additionalProperties": false
},
"amount": {
"type": "object",
"required": [
"value",
"currency"
],
"properties": {
"basis": {
"enum": [
"REQUESTED_AMOUNT",
"DISBURSED_AMOUNT",
"CREDIT_LIMIT",
"DRAWN_AMOUNT"
],
"type": "string"
},
"value": {
"type": "number",
"exclusiveMinimum": 0
},
"currency": {
"type": "string",
"pattern": "^[A-Z]{3}$",
"maxLength": 3,
"minLength": 3
}
},
"additionalProperties": false
},
"purpose": {
"enum": [
"GENERAL_CASH",
"SHORT_TERM_CASH",
"CONSOLIDATION",
"BUSINESS",
"VEHICLE",
"PROPERTY"
],
"type": "string"
},
"borrower_type": {
"enum": [
"CONSUMER",
"SOLE_TRADER",
"BUSINESS"
],
"type": "string"
},
"offer_context": {
"enum": [
"STANDARD",
"PROMOTIONAL"
],
"type": "string"
},
"applicant_role": {
"enum": [
"BORROWER",
"CO_BORROWER",
"BUSINESS_OWNER",
"AUTHORIZED_REPRESENTATIVE"
],
"type": "string"
},
"borrower_count": {
"type": "integer",
"minimum": 1
},
"customer_relationship": {
"enum": [
"FIRST_CUSTOMER",
"NEW_CUSTOMER",
"REPEAT_CUSTOMER",
"EXISTING_CUSTOMER"
],
"type": "string"
}
},
"additionalProperties": false
},
"product_id": {
"type": "string",
"pattern": "^[A-Z0-9-]+$",
"maxLength": 100
},
"execution_mode": {
"type": "string",
"const": "PRODUCTION_MODE",
"description": "Public transports always execute in PRODUCTION_MODE. EVALUATION_MODE is rejected."
}
},
"additionalProperties": false
}| customer_relationship | string |
{
"type": "object",
"required": [
"country"
],
"properties": {
"term": {
"type": "object",
"required": [
"value",
"unit"
],
"properties": {
"unit": {
"enum": [
"DAY",
"MONTH"
],
"type": "string"
},
"basis": {
"enum": [
"CONTRACT_TERM",
"REPAYMENT_TERM",
"DRAW_PERIOD",
"CARD_VALIDITY"
],
"type": "string"
},
"value": {
"type": "integer",
"minimum": 1
}
},
"additionalProperties": false
},
"amount": {
"type": "object",
"required": [
"value",
"currency"
],
"properties": {
"basis": {
"enum": [
"REQUESTED_AMOUNT",
"DISBURSED_AMOUNT",
"CREDIT_LIMIT",
"DRAWN_AMOUNT"
],
"type": "string"
},
"value": {
"type": "number",
"exclusiveMinimum": 0
},
"currency": {
"type": "string",
"pattern": "^[A-Z]{3}$",
"maxLength": 3,
"minLength": 3
}
},
"additionalProperties": false
},
"country": {
"type": "string",
"pattern": "^[A-Z]{2}$",
"maxLength": 2,
"minLength": 2
},
"purpose": {
"enum": [
"GENERAL_CASH",
"SHORT_TERM_CASH",
"CONSOLIDATION",
"BUSINESS",
"VEHICLE",
"PROPERTY"
],
"type": "string"
},
"product_type": {
"enum": [
"SHORT_TERM_LOAN",
"INSTALLMENT_LOAN",
"BANK_CASH_LOAN",
"CONSOLIDATION_LOAN",
"CREDIT_LINE",
"CREDIT_CARD",
"BUSINESS_LOAN",
"BUSINESS_CREDIT_LINE",
"AUTO_LOAN",
"MORTGAGE"
],
"type": "string"
},
"borrower_type": {
"enum": [
"CONSUMER",
"SOLE_TRADER",
"BUSINESS"
],
"type": "string"
},
"offer_context": {
"enum": [
"STANDARD",
"PROMOTIONAL"
],
"type": "string"
},
"applicant_role": {
"enum": [
"BORROWER",
"CO_BORROWER",
"BUSINESS_OWNER",
"AUTHORIZED_REPRESENTATIVE"
],
"type": "string"
},
"borrower_count": {
"type": "integer",
"minimum": 1
},
"execution_mode": {
"type": "string",
"const": "PRODUCTION_MODE",
"description": "Public transports always execute in PRODUCTION_MODE. EVALUATION_MODE is rejected."
},
"customer_relationship": {
"enum": [
"FIRST_CUSTOMER",
"NEW_CUSTOMER",
"REPEAT_CUSTOMER",
"EXISTING_CUSTOMER"
],
"type": "string"
}
},
"additionalProperties": false
}