# Financial Schedule Stress API

> Stress-test caller-supplied loan payments, cashflow streams, interest rates, and payout milestones. Inflows are delayed by 7, 14, and 30 days while contractual outflows stay on their dates. The calculation is in memory and is not a lending decision.

Each POST has a fixed USDC price on Base, paid with the x402 exact scheme. The request is validated first, and payment settles only after a successful (2xx) result. Failed calls are not charged.

1. POST JSON matching the requestBody. Invalid input returns 400 with no payment challenge.
2. A valid unpaid call returns 402 with the exact amount and payTo.
3. Pay and retry with payment-signature. Payment settles only if the operation returns 2xx. A 4xx/5xx is not charged.

- Product: https://www.brainiac.software/api/fintech
- Docs: https://www.brainiac.software/api/fintech/docs
- OpenAPI: https://www.brainiac.software/api/fintech/openapi.json
- Contact: support@brainiac.software (https://www.brainiac.software/contact)

## Operations

### POST /api/v1/fintech/schedule-risk-audit

$0.04 USDC. 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.

Inputs: currency?, opening_balance?, minimum_balance?, annual_rate?, payments?, cashflows?, milestones?

Docs: https://www.brainiac.software/api/fintech/docs#fintech-schedule-risk-audit

Example request:

```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"
    }
  ]
}
```

Example response:

```json
{
  "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"
}
```