MAAL AI Decisioning API

Internal API for BNPL credit scoring, affordability checks, fraud screening, admin rescoring, and event-driven rescoring.

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Decision Meaning

APPROVE: continue financing flow.
MANUAL_REVIEW: stop auto-approval and hold for review.
REJECT: stop financing flow.
CRITICAL fraud: block or hold the risky action.

Recommended Integration Flow

Call POST /v1/scoring/credit for financing eligibility.
Call POST /v1/scoring/affordability if the product flow needs affordability confirmation.
Call POST /v1/scoring/fraud before high-risk transactions.
Use GET /v1/users/{user_id}/scores/latest to render back-office or timeline views.
Use event endpoints for repayment-driven rescoring, not client polling.

What Frontend Should Show

End users should see simple states such as approved, under review, or not eligible.
Admin tools can show score_value, confidence, model_version, and factors.
Do not surface raw fraud rules or calibrated risk details to end users.