Underwriting Signals Composite

GET /v2/underwriting-signals/:merchantId

{
  "merchantId": "6a207db0d29923bffaa983ca",
  "creditRisk": {
    "hasAny": true,
    "activeCount": 2,
    "maxObservedTier": "T3",
    "latestPerLender": [
      {
        "lenderId": "crediblex-uae",
        "attestationUid": "0x...",
        "creditTier": "T2",
        "maxCreditLineUsdCents": 5000000,
        "issuedAt": "2026-06-01T12:00:00Z",
        "expiresAt": "2026-09-01T12:00:00Z",
        "status": "ACTIVE",
        "lenderCurrentStatus": "ACTIVE"
      },
      {
        "lenderId": "valinor-vault",
        "attestationUid": "0x...",
        "creditTier": "T3",
        "maxCreditLineUsdCents": 10000000,
        "status": "ACTIVE",
        "lenderCurrentStatus": "SUSPENDED"
      }
    ]
  },
  "repaymentHistory": {
    "hasAny": true,
    "perLenderCount": 2,
    "merchantWide": {
      "totalSettlements": 17,
      "totalOnTime": 13,
      "totalLate": 3,
      "totalDefaults": 1,
      "trailingTwelveMonthDefaults": 1,
      "mostRecentSettlementAt": "2026-06-05T12:00:00Z"
    }
  },
  "upgradeEligibility": {
    "observedTier": "T2",
    "nextTierTarget": "T3",
    "onTimeSettlementsNeeded": 8,
    "blockingDefaultCount": 1
  },
  "summary": {
    "anchorTier": "T3",
    "totalActiveCreditLineUsdCents": 15000000,
    "reliabilityScore": 76
  }
}