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GET /v2/underwriting-signals/:merchantId is the composite read for lender-agent / MCP get_trust_dossier / underwriting-portal flows resolving “should I underwrite this merchant + at what tier” in one round trip.
This endpoint is public and read-only. Aggregates data already available via the per-axis verifier endpoints (Schema B + Schema C + upgrade preview); the only new value is fewer round trips.

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Request

GET /v2/underwriting-signals/:merchantId

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Response (200)

{
  "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
  }
}

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The summary envelope

summary is the load-bearing decision input for lender agents:
FieldMeaning
anchorTiermax(observed-from-repayment, already-issued) — lenders never under-price a merchant who has already proven a higher tier
totalActiveCreditLineUsdCentsSum of maxCreditLineUsdCents across all ACTIVE Schema B attestations
reliabilityScoreonTimeSettlements / totalSettlements * 100 (0-100); null when no settlement history yet (clean-slate semantics)

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Watch lenderCurrentStatus

For each entry in creditRisk.latestPerLender, the lenderCurrentStatus field is the last-observed registry status of the issuing lender (refreshed every 6h by the reconciler). When status: "ACTIVE" but lenderCurrentStatus is SUSPENDED / ARCHIVED / UNKNOWN, the attestation is still on-chain ACTIVE but the issuer has been de-listed — verifiers decide whether to honor it.

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Discipline

  • Read-only. No mints. No PII beyond per-axis verifiers.
  • @Public() route — same trust-handshake stance as the per-axis verifier reads.
  • 3 underlying queries parallelised via Promise.all — single endpoint adds no latency over the slowest individual read.