POST /v1/underwrite HTTP/1.1
Host: sandbox.api.vence.one
Authorization: Bearer sk_sandbox_your_key_here
Idempotency-Key: idem_uw_acme_20260721_001
Content-Type: application/json

{
  "entity_id": "ent_partner_acme_001",
  "product": "business_credit_line",
  "requested_amount": 40000,
  "currency": "USD"
}

{
  "id": "dec_8f3a2c1b0e9d7a6b5c4d",
  "object": "underwriting_decision",
  "environment": "sandbox",
  "verdict": "approve_with_conditions",
  "recommended_limit": 40000,
  "repayment_probability": 0.807,
  "risk_tier": "A-",
  "confidence": 0.879,
  "reason_codes": [
    {
      "code": "customer_concentration",
      "label": "Revenue concentration above policy comfort band",
      "impact": "negative"
    },
    {
      "code": "repayment_observed",
      "label": "Repayment activity observed in transaction history",
      "impact": "positive"
    }
  ],
  "conditions": [
    {
      "code": "customer_concentration",
      "label": "Elevated customer concentration — monitor exposure"
    }
  ],
  "model_version": "sandbox-policy-v1",
  "policy_version": "sandbox-policy-v1",
  "policy_checksum": "acba373cd9d201f9794c571b935e184b7737a24c715350441b0f27dcc2201b72",
  "request_id": "req_a1b2c3d4e5f60718",
  "created_at": "2026-07-21T18:00:00.000Z"
}