Financial Schedule Stress API Documentation

POSThttps://www.brainiac.software/api/v1/fintech/schedule-risk-audit$0.04 USDC

Audit financial schedule stress

Stress-test a caller-supplied loan schedule, cashflow stream, and payout list. Inflows move 7, 14, and 30 days later, outflows stay on their dates, and financing cost uses the supplied annual rate. The math stays in memory. This is not a credit decision.

Body

Field	Required	Notes
`currency`	No	string
`opening_balance`	No	number
`minimum_balance`	No	number
`annual_rate`	No	number
`payments`	No	array; Array
`cashflows`	No	array; Array
`milestones`	No	array; Array

Request exampleJSON

{
  "currency": "USD",
  "opening_balance": 500,
  "minimum_balance": 0,
  "annual_rate": 0.1,
  "payments": [
    {
      "date": "2026-04-10",
      "amount": 800,
      "direction": "out",
      "label": "loan installment"
    }
  ],
  "cashflows": [
    {
      "date": "2026-04-01",
      "amount": 900,
      "direction": "in",
      "label": "customer receipt"
    }
  ],
  "milestones": [
    {
      "date": "2026-04-20",
      "amount": 200,
      "direction": "in",
      "label": "payout"
    }
  ]
}

Response exampleJSON

{
  "default_risk_score": 49,
  "volatility_index": 27,
  "stress_test_scenarios": {
    "delay_7_days": {
      "delayed_days": 7,
      "trough_balance": 500,
      "ending_balance": 797.89,
      "shortfall": 0,
      "interest_cost": 2.11,
      "failed": false
    },
    "delay_14_days": {
      "delayed_days": 14,
      "trough_balance": -300,
      "ending_balance": 795.78,
      "shortfall": 300,
      "interest_cost": 4.22,
      "failed": true
    },
    "delay_30_days": {
      "delayed_days": 30,
      "trough_balance": -300,
      "ending_balance": 790.96,
      "shortfall": 300,
      "interest_cost": 9.04,
      "failed": true
    }
  },
  "audit_receipt": "sha256:e5040999007f098829dfcf9841769ac98501b5783d82cc6e541fe85f927fa01b"
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/fintech/schedule-risk-audit" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "currency": "USD",
  "opening_balance": 500,
  "minimum_balance": 0,
  "annual_rate": 0.1,
  "payments": [
    {
      "date": "2026-04-10",
      "amount": 800,
      "direction": "out",
      "label": "loan installment"
    }
  ],
  "cashflows": [
    {
      "date": "2026-04-01",
      "amount": 900,
      "direction": "in",
      "label": "customer receipt"
    }
  ],
  "milestones": [
    {
      "date": "2026-04-20",
      "amount": 200,
      "direction": "in",
      "label": "payout"
    }
  ]
}
JSON