> ## Documentation Index
> Fetch the complete documentation index at: https://docs.droplinked.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Underwriting Signals Composite

> One read that bundles Schema B latest-per-lender + Schema C merchant-wide rollup + CreditTier upgrade preview in a single envelope. Cuts 3-4 lender-agent round trips to 1.

`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.

<Note>
  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.
</Note>

## Request

```
GET /v2/underwriting-signals/:merchantId
```

## Response (200)

```json theme={null}
{
  "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
  }
}
```

## The `summary` envelope

`summary` is the **load-bearing decision input** for lender agents:

| Field                           | Meaning                                                                                                                    |
| ------------------------------- | -------------------------------------------------------------------------------------------------------------------------- |
| `anchorTier`                    | `max(observed-from-repayment, already-issued)` — lenders never under-price a merchant who has already proven a higher tier |
| `totalActiveCreditLineUsdCents` | Sum of `maxCreditLineUsdCents` across all ACTIVE Schema B attestations                                                     |
| `reliabilityScore`              | `onTimeSettlements / totalSettlements * 100` (0-100); `null` when no settlement history yet (clean-slate semantics)        |

## 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.

## 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.

## Related

* [Schema B Credit-Risk Read](/api-reference/public/attestation-credit-risk) — single-axis verifier
* [Schema C Repayment-History Read](/api-reference/public/attestation-repayment-history) — single-axis verifier
* [Upgrade Preview](/api-reference/public/upgrade-preview) — just the roadmap part