Trade Finance & Receivables Intelligence API Documentation

POSThttps://www.brainiac.software/api/v1/trade-finance/document-match$0.05 USDC

Match trade finance documents

Match supplied invoices to contracts, letters of credit, and trade documents by id, amount, and parties without inventing missing links.

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`parties`	No	array; Array
`invoices`	No	array; Array
`contracts`	No	array; Array
`lettersOfCredit`	No	array; Array
`documents`	No	array; Array
`assignments`	No	array; Array
`worldBank`	No	object; Object
`asOf`	No	string
`discountRatePct`	No	number

Request exampleJSON

{
  "invoices": [
    {
      "id": "INV-1",
      "number": "INV-1001",
      "issueDate": "2026-09-01",
      "dueDate": "2026-10-31",
      "currency": "USD",
      "amount": 100000,
      "buyer": "Buyer Co",
      "seller": "Seller Co",
      "goods": "Widgets",
      "contractId": "CT-1",
      "lcId": "LC-1"
    }
  ],
  "contracts": [
    {
      "id": "CT-1",
      "number": "CT-9",
      "date": "2026-08-01",
      "currency": "USD",
      "amount": 100000,
      "buyer": "Buyer Co",
      "seller": "Seller Co",
      "goods": "Widgets"
    }
  ],
  "lettersOfCredit": [
    {
      "id": "LC-1",
      "number": "LC-77",
      "issueDate": "2026-08-15",
      "expiryDate": "2026-11-30",
      "currency": "USD",
      "amount": 100000,
      "applicant": "Buyer Co",
      "beneficiary": "Seller Co",
      "goods": "Widgets"
    }
  ],
  "documents": [
    {
      "id": "DOC-1",
      "type": "bill of lading",
      "number": "BL-1",
      "date": "2026-09-05",
      "currency": "USD",
      "amount": 100000,
      "shipper": "Seller Co",
      "consignee": "Buyer Co",
      "invoiceId": "INV-1",
      "lcId": "LC-1"
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "matched",
  "invoiceCount": 1,
  "matchedCount": 1,
  "items": [
    {
      "invoiceId": "INV-1",
      "invoiceNumber": "INV-1001",
      "contractId": "CT-1",
      "lcId": "LC-1",
      "documentCount": 1,
      "documentIds": [
        "DOC-1"
      ],
      "amountAligned": true,
      "amountCompared": true,
      "partiesAligned": true,
      "partiesCompared": true,
      "matched": true,
      "creditDecision": false,
      "financingApproved": false,
      "amountInvented": false
    }
  ],
  "creditDecision": false,
  "financingApproved": false,
  "amountInvented": false,
  "discrepancyInvented": false,
  "paidProviderUsed": false,
  "apiKeyRequired": false,
  "publicSources": [],
  "findings": [],
  "limitations": [
    "Invoices, contracts, letters of credit, trade documents, and assignments are copied only from labeled fields supplied by the caller, or from key-free public World Bank trade responses when requested.",
    "No paid trade-finance data provider is used and no API key is required.",
    "Missing amounts, due dates, parties, and document fields are not invented.",
    "Financing readiness and discounting figures are descriptive calculations only. A credit or financing decision is never produced.",
    "Discrepancy and conflict findings compare supplied fields only and do not contact banks or registries."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/trade-finance/document-match" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "invoices": [
    {
      "id": "INV-1",
      "number": "INV-1001",
      "issueDate": "2026-09-01",
      "dueDate": "2026-10-31",
      "currency": "USD",
      "amount": 100000,
      "buyer": "Buyer Co",
      "seller": "Seller Co",
      "goods": "Widgets",
      "contractId": "CT-1",
      "lcId": "LC-1"
    }
  ],
  "contracts": [
    {
      "id": "CT-1",
      "number": "CT-9",
      "date": "2026-08-01",
      "currency": "USD",
      "amount": 100000,
      "buyer": "Buyer Co",
      "seller": "Seller Co",
      "goods": "Widgets"
    }
  ],
  "lettersOfCredit": [
    {
      "id": "LC-1",
      "number": "LC-77",
      "issueDate": "2026-08-15",
      "expiryDate": "2026-11-30",
      "currency": "USD",
      "amount": 100000,
      "applicant": "Buyer Co",
      "beneficiary": "Seller Co",
      "goods": "Widgets"
    }
  ],
  "documents": [
    {
      "id": "DOC-1",
      "type": "bill of lading",
      "number": "BL-1",
      "date": "2026-09-05",
      "currency": "USD",
      "amount": 100000,
      "shipper": "Seller Co",
      "consignee": "Buyer Co",
      "invoiceId": "INV-1",
      "lcId": "LC-1"
    }
  ]
}
JSON

POSThttps://www.brainiac.software/api/v1/trade-finance/letter-of-credit-discrepancy-detect$0.06 USDC

Detect letter of credit discrepancies

Compare supplied LC terms with linked invoices and documents. Missing required document types are flagged only from the LC list.

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`parties`	No	array; Array
`invoices`	No	array; Array
`contracts`	No	array; Array
`lettersOfCredit`	No	array; Array
`documents`	No	array; Array
`assignments`	No	array; Array
`worldBank`	No	object; Object
`asOf`	No	string
`discountRatePct`	No	number

Request exampleJSON

{
  "lettersOfCredit": [
    {
      "id": "LC-1",
      "number": "LC-77",
      "issueDate": "2026-08-15",
      "expiryDate": "2026-11-30",
      "currency": "USD",
      "amount": 100000,
      "applicant": "Buyer Co",
      "beneficiary": "Seller Co",
      "goods": "Widgets",
      "latestShipment": "2026-09-30",
      "requiredDocs": [
        "bill of lading",
        "packing list"
      ]
    }
  ],
  "invoices": [
    {
      "id": "INV-1",
      "number": "INV-1001",
      "issueDate": "2026-09-01",
      "currency": "USD",
      "amount": 105000,
      "buyer": "Buyer Co",
      "seller": "Seller Co",
      "goods": "Gadgets",
      "lcId": "LC-1"
    }
  ],
  "documents": [
    {
      "id": "DOC-1",
      "type": "bill of lading",
      "number": "BL-1",
      "date": "2026-10-05",
      "currency": "USD",
      "amount": 105000,
      "shipper": "Seller Co",
      "consignee": "Buyer Co",
      "lcId": "LC-1"
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "checked",
  "lcCount": 1,
  "discrepancyCount": 5,
  "items": [
    {
      "lcId": "LC-1",
      "lcNumber": "LC-77",
      "invoiceCount": 1,
      "documentCount": 1,
      "discrepancyCount": 5,
      "discrepancies": [
        {
          "code": "amount",
          "subject": "INV-1",
          "detail": "Invoice amount differs from LC amount."
        },
        {
          "code": "goods",
          "subject": "INV-1",
          "detail": "Goods description differs from the LC description."
        },
        {
          "code": "document_amount",
          "subject": "DOC-1",
          "detail": "Document amount differs from LC amount."
        },
        {
          "code": "shipment_date",
          "subject": "DOC-1",
          "detail": "Shipment or bill date is after the LC latest shipment date."
        },
        {
          "code": "missing_document",
          "subject": "packing list",
          "detail": "A required LC document type was not found in supplied documents."
        }
      ],
      "clean": false,
      "discrepancyInvented": false,
      "creditDecision": false,
      "financingApproved": false
    }
  ],
  "creditDecision": false,
  "financingApproved": false,
  "amountInvented": false,
  "discrepancyInvented": false,
  "paidProviderUsed": false,
  "apiKeyRequired": false,
  "publicSources": [],
  "findings": [
    {
      "kind": "conflict",
      "code": "amount",
      "subject": "INV-1",
      "detail": "Invoice amount differs from LC amount."
    },
    {
      "kind": "conflict",
      "code": "goods",
      "subject": "INV-1",
      "detail": "Goods description differs from the LC description."
    },
    {
      "kind": "conflict",
      "code": "document_amount",
      "subject": "DOC-1",
      "detail": "Document amount differs from LC amount."
    },
    {
      "kind": "conflict",
      "code": "shipment_date",
      "subject": "DOC-1",
      "detail": "Shipment or bill date is after the LC latest shipment date."
    },
    {
      "kind": "conflict",
      "code": "missing_document",
      "subject": "packing list",
      "detail": "A required LC document type was not found in supplied documents."
    }
  ],
  "limitations": [
    "Invoices, contracts, letters of credit, trade documents, and assignments are copied only from labeled fields supplied by the caller, or from key-free public World Bank trade responses when requested.",
    "No paid trade-finance data provider is used and no API key is required.",
    "Missing amounts, due dates, parties, and document fields are not invented.",
    "Financing readiness and discounting figures are descriptive calculations only. A credit or financing decision is never produced.",
    "Discrepancy and conflict findings compare supplied fields only and do not contact banks or registries."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/trade-finance/letter-of-credit-discrepancy-detect" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "lettersOfCredit": [
    {
      "id": "LC-1",
      "number": "LC-77",
      "issueDate": "2026-08-15",
      "expiryDate": "2026-11-30",
      "currency": "USD",
      "amount": 100000,
      "applicant": "Buyer Co",
      "beneficiary": "Seller Co",
      "goods": "Widgets",
      "latestShipment": "2026-09-30",
      "requiredDocs": [
        "bill of lading",
        "packing list"
      ]
    }
  ],
  "invoices": [
    {
      "id": "INV-1",
      "number": "INV-1001",
      "issueDate": "2026-09-01",
      "currency": "USD",
      "amount": 105000,
      "buyer": "Buyer Co",
      "seller": "Seller Co",
      "goods": "Gadgets",
      "lcId": "LC-1"
    }
  ],
  "documents": [
    {
      "id": "DOC-1",
      "type": "bill of lading",
      "number": "BL-1",
      "date": "2026-10-05",
      "currency": "USD",
      "amount": 105000,
      "shipper": "Seller Co",
      "consignee": "Buyer Co",
      "lcId": "LC-1"
    }
  ]
}
JSON

POSThttps://www.brainiac.software/api/v1/trade-finance/invoice-financing-readiness$0.04 USDC

Assess invoice financing readiness

Score supplied invoices for completeness of identifiers, amounts, parties, and dates. This is not a financing approval.

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`parties`	No	array; Array
`invoices`	No	array; Array
`contracts`	No	array; Array
`lettersOfCredit`	No	array; Array
`documents`	No	array; Array
`assignments`	No	array; Array
`worldBank`	No	object; Object
`asOf`	No	string
`discountRatePct`	No	number

Request exampleJSON

{
  "invoices": [
    {
      "id": "INV-1",
      "number": "INV-1001",
      "issueDate": "2026-09-01",
      "dueDate": "2026-10-31",
      "currency": "USD",
      "amount": 100000,
      "buyer": "Buyer Co",
      "seller": "Seller Co",
      "goods": "Widgets",
      "contractId": "CT-1"
    },
    {
      "id": "INV-2",
      "number": "INV-1002",
      "currency": "USD",
      "amount": 50000,
      "buyer": "Buyer Co"
    }
  ],
  "contracts": [
    {
      "id": "CT-1",
      "number": "CT-9",
      "date": "2026-08-01",
      "currency": "USD",
      "amount": 100000,
      "buyer": "Buyer Co",
      "seller": "Seller Co"
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "assessed",
  "invoiceCount": 2,
  "readyCount": 1,
  "items": [
    {
      "invoiceId": "INV-1",
      "invoiceNumber": "INV-1001",
      "score": 100,
      "readiness": "ready",
      "missingFields": [],
      "hasContract": true,
      "hasLc": false,
      "documentCount": 0,
      "creditDecision": false,
      "financingApproved": false,
      "amountInvented": false
    },
    {
      "invoiceId": "INV-2",
      "invoiceNumber": "INV-1002",
      "score": 50,
      "readiness": "incomplete",
      "missingFields": [
        "seller",
        "issue_date",
        "due_date",
        "goods"
      ],
      "hasContract": false,
      "hasLc": false,
      "documentCount": 0,
      "creditDecision": false,
      "financingApproved": false,
      "amountInvented": false
    }
  ],
  "creditDecision": false,
  "financingApproved": false,
  "amountInvented": false,
  "discrepancyInvented": false,
  "paidProviderUsed": false,
  "apiKeyRequired": false,
  "publicSources": [],
  "findings": [
    {
      "kind": "missing",
      "code": "seller",
      "subject": "INV-2",
      "detail": "Seller was not supplied."
    },
    {
      "kind": "missing",
      "code": "issue_date",
      "subject": "INV-2",
      "detail": "Issue date was not supplied."
    },
    {
      "kind": "missing",
      "code": "due_date",
      "subject": "INV-2",
      "detail": "Due date was not supplied."
    },
    {
      "kind": "missing",
      "code": "goods",
      "subject": "INV-2",
      "detail": "Goods description was not supplied."
    }
  ],
  "limitations": [
    "Invoices, contracts, letters of credit, trade documents, and assignments are copied only from labeled fields supplied by the caller, or from key-free public World Bank trade responses when requested.",
    "No paid trade-finance data provider is used and no API key is required.",
    "Missing amounts, due dates, parties, and document fields are not invented.",
    "Financing readiness and discounting figures are descriptive calculations only. A credit or financing decision is never produced.",
    "Discrepancy and conflict findings compare supplied fields only and do not contact banks or registries."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/trade-finance/invoice-financing-readiness" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "invoices": [
    {
      "id": "INV-1",
      "number": "INV-1001",
      "issueDate": "2026-09-01",
      "dueDate": "2026-10-31",
      "currency": "USD",
      "amount": 100000,
      "buyer": "Buyer Co",
      "seller": "Seller Co",
      "goods": "Widgets",
      "contractId": "CT-1"
    },
    {
      "id": "INV-2",
      "number": "INV-1002",
      "currency": "USD",
      "amount": 50000,
      "buyer": "Buyer Co"
    }
  ],
  "contracts": [
    {
      "id": "CT-1",
      "number": "CT-9",
      "date": "2026-08-01",
      "currency": "USD",
      "amount": 100000,
      "buyer": "Buyer Co",
      "seller": "Seller Co"
    }
  ]
}
JSON

POSThttps://www.brainiac.software/api/v1/trade-finance/receivable-aging-risk-analyze$0.04 USDC

Analyze receivable aging risk

Bucket supplied invoice outstanding amounts by days past due from the as-of date. Missing due dates stay unlabeled.

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`parties`	No	array; Array
`invoices`	No	array; Array
`contracts`	No	array; Array
`lettersOfCredit`	No	array; Array
`documents`	No	array; Array
`assignments`	No	array; Array
`worldBank`	No	object; Object
`asOf`	No	string
`discountRatePct`	No	number

Request exampleJSON

{
  "asOf": "2026-11-01",
  "invoices": [
    {
      "id": "INV-1",
      "number": "INV-1001",
      "dueDate": "2026-10-15",
      "currency": "USD",
      "amount": 100000,
      "outstanding": 100000,
      "buyer": "Buyer Co",
      "seller": "Seller Co"
    },
    {
      "id": "INV-2",
      "number": "INV-1002",
      "dueDate": "2026-09-01",
      "currency": "USD",
      "amount": 40000,
      "outstanding": 40000,
      "buyer": "Other Co",
      "seller": "Seller Co"
    },
    {
      "id": "INV-3",
      "number": "INV-1003",
      "dueDate": "2026-11-15",
      "currency": "USD",
      "amount": 25000,
      "outstanding": 25000,
      "buyer": "Buyer Co",
      "seller": "Seller Co"
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "analyzed",
  "asOf": "2026-11-01",
  "invoiceCount": 3,
  "buckets": {
    "current": 25000,
    "1-30": 100000,
    "31-60": 0,
    "61-90": 40000,
    "90+": 0,
    "unknown": 0
  },
  "items": [
    {
      "invoiceId": "INV-1",
      "invoiceNumber": "INV-1001",
      "buyer": "Buyer Co",
      "currency": "USD",
      "dueDate": "2026-10-15",
      "asOf": "2026-11-01",
      "daysPastDue": 17,
      "daysPastDueSupplied": true,
      "outstanding": 100000,
      "outstandingSupplied": true,
      "bucket": "1-30",
      "risk": "lower",
      "creditDecision": false,
      "financingApproved": false,
      "amountInvented": false
    },
    {
      "invoiceId": "INV-2",
      "invoiceNumber": "INV-1002",
      "buyer": "Other Co",
      "currency": "USD",
      "dueDate": "2026-09-01",
      "asOf": "2026-11-01",
      "daysPastDue": 61,
      "daysPastDueSupplied": true,
      "outstanding": 40000,
      "outstandingSupplied": true,
      "bucket": "61-90",
      "risk": "elevated",
      "creditDecision": false,
      "financingApproved": false,
      "amountInvented": false
    },
    {
      "invoiceId": "INV-3",
      "invoiceNumber": "INV-1003",
      "buyer": "Buyer Co",
      "currency": "USD",
      "dueDate": "2026-11-15",
      "asOf": "2026-11-01",
      "daysPastDue": -14,
      "daysPastDueSupplied": true,
      "outstanding": 25000,
      "outstandingSupplied": true,
      "bucket": "current",
      "risk": "lower",
      "creditDecision": false,
      "financingApproved": false,
      "amountInvented": false
    }
  ],
  "creditDecision": false,
  "financingApproved": false,
  "amountInvented": false,
  "discrepancyInvented": false,
  "paidProviderUsed": false,
  "apiKeyRequired": false,
  "publicSources": [],
  "findings": [],
  "limitations": [
    "Invoices, contracts, letters of credit, trade documents, and assignments are copied only from labeled fields supplied by the caller, or from key-free public World Bank trade responses when requested.",
    "No paid trade-finance data provider is used and no API key is required.",
    "Missing amounts, due dates, parties, and document fields are not invented.",
    "Financing readiness and discounting figures are descriptive calculations only. A credit or financing decision is never produced.",
    "Discrepancy and conflict findings compare supplied fields only and do not contact banks or registries."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/trade-finance/receivable-aging-risk-analyze" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "asOf": "2026-11-01",
  "invoices": [
    {
      "id": "INV-1",
      "number": "INV-1001",
      "dueDate": "2026-10-15",
      "currency": "USD",
      "amount": 100000,
      "outstanding": 100000,
      "buyer": "Buyer Co",
      "seller": "Seller Co"
    },
    {
      "id": "INV-2",
      "number": "INV-1002",
      "dueDate": "2026-09-01",
      "currency": "USD",
      "amount": 40000,
      "outstanding": 40000,
      "buyer": "Other Co",
      "seller": "Seller Co"
    },
    {
      "id": "INV-3",
      "number": "INV-1003",
      "dueDate": "2026-11-15",
      "currency": "USD",
      "amount": 25000,
      "outstanding": 25000,
      "buyer": "Buyer Co",
      "seller": "Seller Co"
    }
  ]
}
JSON

POSThttps://www.brainiac.software/api/v1/trade-finance/invoice-assignment-conflict-detect$0.04 USDC

Detect invoice assignment conflicts

Flag when the same invoice id or number is assigned to more than one assignee in the supplied set.

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`parties`	No	array; Array
`invoices`	No	array; Array
`contracts`	No	array; Array
`lettersOfCredit`	No	array; Array
`documents`	No	array; Array
`assignments`	No	array; Array
`worldBank`	No	object; Object
`asOf`	No	string
`discountRatePct`	No	number

Request exampleJSON

{
  "assignments": [
    {
      "id": "ASG-1",
      "invoiceId": "INV-1",
      "assignee": "Bank A",
      "assignor": "Seller Co",
      "date": "2026-09-10",
      "amount": 100000,
      "currency": "USD"
    },
    {
      "id": "ASG-2",
      "invoiceId": "INV-1",
      "assignee": "Factor B",
      "assignor": "Seller Co",
      "date": "2026-09-12",
      "amount": 100000,
      "currency": "USD"
    },
    {
      "id": "ASG-3",
      "invoiceId": "INV-2",
      "assignee": "Bank A",
      "assignor": "Seller Co",
      "date": "2026-09-11",
      "amount": 40000,
      "currency": "USD"
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "checked",
  "invoiceCount": 2,
  "conflictCount": 1,
  "items": [
    {
      "invoiceKey": "inv-1",
      "assignmentCount": 2,
      "assignees": [
        "Bank A",
        "Factor B"
      ],
      "conflict": true,
      "assignments": [
        {
          "id": "ASG-1",
          "assignee": "Bank A",
          "assignor": "Seller Co",
          "date": "2026-09-10",
          "amount": 100000,
          "amountSupplied": true,
          "currency": "USD"
        },
        {
          "id": "ASG-2",
          "assignee": "Factor B",
          "assignor": "Seller Co",
          "date": "2026-09-12",
          "amount": 100000,
          "amountSupplied": true,
          "currency": "USD"
        }
      ],
      "creditDecision": false,
      "financingApproved": false,
      "amountInvented": false
    },
    {
      "invoiceKey": "inv-2",
      "assignmentCount": 1,
      "assignees": [
        "Bank A"
      ],
      "conflict": false,
      "assignments": [
        {
          "id": "ASG-3",
          "assignee": "Bank A",
          "assignor": "Seller Co",
          "date": "2026-09-11",
          "amount": 40000,
          "amountSupplied": true,
          "currency": "USD"
        }
      ],
      "creditDecision": false,
      "financingApproved": false,
      "amountInvented": false
    }
  ],
  "creditDecision": false,
  "financingApproved": false,
  "amountInvented": false,
  "discrepancyInvented": false,
  "paidProviderUsed": false,
  "apiKeyRequired": false,
  "publicSources": [],
  "findings": [
    {
      "kind": "conflict",
      "code": "assignment_conflict",
      "subject": "inv-1",
      "detail": "The same invoice is assigned to more than one assignee in the supplied set."
    }
  ],
  "limitations": [
    "Invoices, contracts, letters of credit, trade documents, and assignments are copied only from labeled fields supplied by the caller, or from key-free public World Bank trade responses when requested.",
    "No paid trade-finance data provider is used and no API key is required.",
    "Missing amounts, due dates, parties, and document fields are not invented.",
    "Financing readiness and discounting figures are descriptive calculations only. A credit or financing decision is never produced.",
    "Discrepancy and conflict findings compare supplied fields only and do not contact banks or registries."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/trade-finance/invoice-assignment-conflict-detect" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "assignments": [
    {
      "id": "ASG-1",
      "invoiceId": "INV-1",
      "assignee": "Bank A",
      "assignor": "Seller Co",
      "date": "2026-09-10",
      "amount": 100000,
      "currency": "USD"
    },
    {
      "id": "ASG-2",
      "invoiceId": "INV-1",
      "assignee": "Factor B",
      "assignor": "Seller Co",
      "date": "2026-09-12",
      "amount": 100000,
      "currency": "USD"
    },
    {
      "id": "ASG-3",
      "invoiceId": "INV-2",
      "assignee": "Bank A",
      "assignor": "Seller Co",
      "date": "2026-09-11",
      "amount": 40000,
      "currency": "USD"
    }
  ]
}
JSON

POSThttps://www.brainiac.software/api/v1/trade-finance/document-party-consistency$0.04 USDC

Check trade document party consistency

Compare buyer, seller, applicant, beneficiary, shipper, and consignee fields across linked invoices, contracts, LCs, and documents.

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`parties`	No	array; Array
`invoices`	No	array; Array
`contracts`	No	array; Array
`lettersOfCredit`	No	array; Array
`documents`	No	array; Array
`assignments`	No	array; Array
`worldBank`	No	object; Object
`asOf`	No	string
`discountRatePct`	No	number

Request exampleJSON

{
  "invoices": [
    {
      "id": "INV-1",
      "number": "INV-1001",
      "buyer": "Buyer Co",
      "seller": "Seller Co",
      "contractId": "CT-1",
      "lcId": "LC-1"
    }
  ],
  "contracts": [
    {
      "id": "CT-1",
      "buyer": "Buyer Co",
      "seller": "Seller Co"
    }
  ],
  "lettersOfCredit": [
    {
      "id": "LC-1",
      "applicant": "Buyer Co",
      "beneficiary": "Seller Co"
    }
  ],
  "documents": [
    {
      "id": "DOC-1",
      "type": "bill of lading",
      "shipper": "Other Shipper",
      "consignee": "Buyer Co",
      "invoiceId": "INV-1"
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "checked",
  "invoiceCount": 1,
  "consistentCount": 0,
  "items": [
    {
      "invoiceId": "INV-1",
      "buyer": "Buyer Co",
      "seller": "Seller Co",
      "checkCount": 6,
      "conflictCount": 1,
      "consistent": false,
      "conflicts": [
        {
          "field": "shipper_DOC-1",
          "detail": "Invoice seller vs document shipper DOC-1"
        }
      ],
      "creditDecision": false,
      "financingApproved": false,
      "amountInvented": false
    }
  ],
  "creditDecision": false,
  "financingApproved": false,
  "amountInvented": false,
  "discrepancyInvented": false,
  "paidProviderUsed": false,
  "apiKeyRequired": false,
  "publicSources": [],
  "findings": [
    {
      "kind": "conflict",
      "code": "shipper_DOC-1",
      "subject": "INV-1",
      "detail": "Invoice seller vs document shipper DOC-1 do not match."
    }
  ],
  "limitations": [
    "Invoices, contracts, letters of credit, trade documents, and assignments are copied only from labeled fields supplied by the caller, or from key-free public World Bank trade responses when requested.",
    "No paid trade-finance data provider is used and no API key is required.",
    "Missing amounts, due dates, parties, and document fields are not invented.",
    "Financing readiness and discounting figures are descriptive calculations only. A credit or financing decision is never produced.",
    "Discrepancy and conflict findings compare supplied fields only and do not contact banks or registries."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/trade-finance/document-party-consistency" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "invoices": [
    {
      "id": "INV-1",
      "number": "INV-1001",
      "buyer": "Buyer Co",
      "seller": "Seller Co",
      "contractId": "CT-1",
      "lcId": "LC-1"
    }
  ],
  "contracts": [
    {
      "id": "CT-1",
      "buyer": "Buyer Co",
      "seller": "Seller Co"
    }
  ],
  "lettersOfCredit": [
    {
      "id": "LC-1",
      "applicant": "Buyer Co",
      "beneficiary": "Seller Co"
    }
  ],
  "documents": [
    {
      "id": "DOC-1",
      "type": "bill of lading",
      "shipper": "Other Shipper",
      "consignee": "Buyer Co",
      "invoiceId": "INV-1"
    }
  ]
}
JSON

POSThttps://www.brainiac.software/api/v1/trade-finance/export-payment-term-risk$0.03 USDC

Assess export payment term risk

Label supplied payment terms as lower, moderate, higher, or unclassified from wording only. Not a credit decision.

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`parties`	No	array; Array
`invoices`	No	array; Array
`contracts`	No	array; Array
`lettersOfCredit`	No	array; Array
`documents`	No	array; Array
`assignments`	No	array; Array
`worldBank`	No	object; Object
`asOf`	No	string
`discountRatePct`	No	number

Request exampleJSON

{
  "invoices": [
    {
      "id": "INV-1",
      "buyer": "Buyer Co",
      "paymentTerms": "Net 30",
      "incoterm": "FOB",
      "country": "DE"
    },
    {
      "id": "INV-2",
      "buyer": "Other Co",
      "paymentTerms": "Open account Net 90",
      "incoterm": "CIF",
      "country": "BR"
    },
    {
      "id": "INV-3",
      "buyer": "Cash Co",
      "paymentTerms": "CAD sight",
      "incoterm": "EXW",
      "country": "US"
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "assessed",
  "itemCount": 3,
  "higherCount": 1,
  "items": [
    {
      "id": "INV-1",
      "kind": "invoice",
      "counterparty": "Buyer Co",
      "country": "DE",
      "paymentTerms": "Net 30",
      "incoterm": "FOB",
      "risk": "lower",
      "creditDecision": false,
      "financingApproved": false,
      "amountInvented": false
    },
    {
      "id": "INV-2",
      "kind": "invoice",
      "counterparty": "Other Co",
      "country": "BR",
      "paymentTerms": "Open account Net 90",
      "incoterm": "CIF",
      "risk": "higher",
      "creditDecision": false,
      "financingApproved": false,
      "amountInvented": false
    },
    {
      "id": "INV-3",
      "kind": "invoice",
      "counterparty": "Cash Co",
      "country": "US",
      "paymentTerms": "CAD sight",
      "incoterm": "EXW",
      "risk": "lower",
      "creditDecision": false,
      "financingApproved": false,
      "amountInvented": false
    }
  ],
  "creditDecision": false,
  "financingApproved": false,
  "amountInvented": false,
  "discrepancyInvented": false,
  "paidProviderUsed": false,
  "apiKeyRequired": false,
  "publicSources": [],
  "findings": [],
  "limitations": [
    "Invoices, contracts, letters of credit, trade documents, and assignments are copied only from labeled fields supplied by the caller, or from key-free public World Bank trade responses when requested.",
    "No paid trade-finance data provider is used and no API key is required.",
    "Missing amounts, due dates, parties, and document fields are not invented.",
    "Financing readiness and discounting figures are descriptive calculations only. A credit or financing decision is never produced.",
    "Discrepancy and conflict findings compare supplied fields only and do not contact banks or registries."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/trade-finance/export-payment-term-risk" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "invoices": [
    {
      "id": "INV-1",
      "buyer": "Buyer Co",
      "paymentTerms": "Net 30",
      "incoterm": "FOB",
      "country": "DE"
    },
    {
      "id": "INV-2",
      "buyer": "Other Co",
      "paymentTerms": "Open account Net 90",
      "incoterm": "CIF",
      "country": "BR"
    },
    {
      "id": "INV-3",
      "buyer": "Cash Co",
      "paymentTerms": "CAD sight",
      "incoterm": "EXW",
      "country": "US"
    }
  ]
}
JSON

POSThttps://www.brainiac.software/api/v1/trade-finance/credit-exposure-calculate$0.04 USDC

Calculate trade credit exposure

Sum supplied outstanding or face amounts by buyer and currency. Missing amounts are not invented.

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`parties`	No	array; Array
`invoices`	No	array; Array
`contracts`	No	array; Array
`lettersOfCredit`	No	array; Array
`documents`	No	array; Array
`assignments`	No	array; Array
`worldBank`	No	object; Object
`asOf`	No	string
`discountRatePct`	No	number

Request exampleJSON

{
  "invoices": [
    {
      "id": "INV-1",
      "buyer": "Buyer Co",
      "currency": "USD",
      "amount": 100000,
      "outstanding": 80000
    },
    {
      "id": "INV-2",
      "buyer": "Buyer Co",
      "currency": "USD",
      "amount": 40000,
      "outstanding": 40000
    },
    {
      "id": "INV-3",
      "buyer": "Other Co",
      "currency": "EUR",
      "amount": 25000,
      "outstanding": 25000
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "calculated",
  "counterpartyCount": 2,
  "totalOutstanding": 145000,
  "items": [
    {
      "buyer": "Buyer Co",
      "currency": "USD",
      "invoiceCount": 2,
      "outstanding": 120000,
      "outstandingSupplied": true,
      "creditDecision": false,
      "financingApproved": false,
      "amountInvented": false
    },
    {
      "buyer": "Other Co",
      "currency": "EUR",
      "invoiceCount": 1,
      "outstanding": 25000,
      "outstandingSupplied": true,
      "creditDecision": false,
      "financingApproved": false,
      "amountInvented": false
    }
  ],
  "creditDecision": false,
  "financingApproved": false,
  "amountInvented": false,
  "discrepancyInvented": false,
  "paidProviderUsed": false,
  "apiKeyRequired": false,
  "publicSources": [],
  "findings": [],
  "limitations": [
    "Invoices, contracts, letters of credit, trade documents, and assignments are copied only from labeled fields supplied by the caller, or from key-free public World Bank trade responses when requested.",
    "No paid trade-finance data provider is used and no API key is required.",
    "Missing amounts, due dates, parties, and document fields are not invented.",
    "Financing readiness and discounting figures are descriptive calculations only. A credit or financing decision is never produced.",
    "Discrepancy and conflict findings compare supplied fields only and do not contact banks or registries."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/trade-finance/credit-exposure-calculate" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "invoices": [
    {
      "id": "INV-1",
      "buyer": "Buyer Co",
      "currency": "USD",
      "amount": 100000,
      "outstanding": 80000
    },
    {
      "id": "INV-2",
      "buyer": "Buyer Co",
      "currency": "USD",
      "amount": 40000,
      "outstanding": 40000
    },
    {
      "id": "INV-3",
      "buyer": "Other Co",
      "currency": "EUR",
      "amount": 25000,
      "outstanding": 25000
    }
  ]
}
JSON

POSThttps://www.brainiac.software/api/v1/trade-finance/invoice-discounting-calculate$0.04 USDC

Calculate invoice discounting

Calculate simple discount and proceeds from supplied face amounts, due dates, as-of date, and discount rate. Not a financing approval.

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`parties`	No	array; Array
`invoices`	No	array; Array
`contracts`	No	array; Array
`lettersOfCredit`	No	array; Array
`documents`	No	array; Array
`assignments`	No	array; Array
`worldBank`	No	object; Object
`asOf`	No	string
`discountRatePct`	No	number

Request exampleJSON

{
  "asOf": "2026-10-01",
  "discountRatePct": 6,
  "invoices": [
    {
      "id": "INV-1",
      "number": "INV-1001",
      "dueDate": "2026-12-30",
      "currency": "USD",
      "amount": 100000
    },
    {
      "id": "INV-2",
      "number": "INV-1002",
      "dueDate": "2026-11-15",
      "currency": "USD",
      "amount": 50000
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "calculated",
  "invoiceCount": 2,
  "items": [
    {
      "invoiceId": "INV-1",
      "invoiceNumber": "INV-1001",
      "currency": "USD",
      "asOf": "2026-10-01",
      "dueDate": "2026-12-30",
      "faceAmount": 100000,
      "faceAmountSupplied": true,
      "tenorDays": 90,
      "tenorDaysSupplied": true,
      "discountRatePct": 6,
      "discountRateSupplied": true,
      "discountAmount": 1500,
      "discountAmountSupplied": true,
      "proceeds": 98500,
      "proceedsSupplied": true,
      "creditDecision": false,
      "financingApproved": false,
      "amountInvented": false
    },
    {
      "invoiceId": "INV-2",
      "invoiceNumber": "INV-1002",
      "currency": "USD",
      "asOf": "2026-10-01",
      "dueDate": "2026-11-15",
      "faceAmount": 50000,
      "faceAmountSupplied": true,
      "tenorDays": 45,
      "tenorDaysSupplied": true,
      "discountRatePct": 6,
      "discountRateSupplied": true,
      "discountAmount": 375,
      "discountAmountSupplied": true,
      "proceeds": 49625,
      "proceedsSupplied": true,
      "creditDecision": false,
      "financingApproved": false,
      "amountInvented": false
    }
  ],
  "creditDecision": false,
  "financingApproved": false,
  "amountInvented": false,
  "discrepancyInvented": false,
  "paidProviderUsed": false,
  "apiKeyRequired": false,
  "publicSources": [],
  "findings": [],
  "limitations": [
    "Invoices, contracts, letters of credit, trade documents, and assignments are copied only from labeled fields supplied by the caller, or from key-free public World Bank trade responses when requested.",
    "No paid trade-finance data provider is used and no API key is required.",
    "Missing amounts, due dates, parties, and document fields are not invented.",
    "Financing readiness and discounting figures are descriptive calculations only. A credit or financing decision is never produced.",
    "Discrepancy and conflict findings compare supplied fields only and do not contact banks or registries."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/trade-finance/invoice-discounting-calculate" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "asOf": "2026-10-01",
  "discountRatePct": 6,
  "invoices": [
    {
      "id": "INV-1",
      "number": "INV-1001",
      "dueDate": "2026-12-30",
      "currency": "USD",
      "amount": 100000
    },
    {
      "id": "INV-2",
      "number": "INV-1002",
      "dueDate": "2026-11-15",
      "currency": "USD",
      "amount": 50000
    }
  ]
}
JSON

POSThttps://www.brainiac.software/api/v1/trade-finance/evidence-package$0.08 USDC

Build trade finance evidence package

Assemble document match, LC discrepancy, readiness, aging, assignment, party, term, exposure, and discounting summaries from the supplied set.

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`parties`	No	array; Array
`invoices`	No	array; Array
`contracts`	No	array; Array
`lettersOfCredit`	No	array; Array
`documents`	No	array; Array
`assignments`	No	array; Array
`worldBank`	No	object; Object
`asOf`	No	string
`discountRatePct`	No	number

Request exampleJSON

{
  "asOf": "2026-11-01",
  "discountRatePct": 6,
  "invoices": [
    {
      "id": "INV-1",
      "number": "INV-1001",
      "issueDate": "2026-09-01",
      "dueDate": "2026-10-15",
      "currency": "USD",
      "amount": 100000,
      "outstanding": 100000,
      "buyer": "Buyer Co",
      "seller": "Seller Co",
      "goods": "Widgets",
      "paymentTerms": "Net 30",
      "contractId": "CT-1",
      "lcId": "LC-1"
    }
  ],
  "contracts": [
    {
      "id": "CT-1",
      "number": "CT-9",
      "date": "2026-08-01",
      "currency": "USD",
      "amount": 100000,
      "buyer": "Buyer Co",
      "seller": "Seller Co",
      "goods": "Widgets",
      "paymentTerms": "Net 30"
    }
  ],
  "lettersOfCredit": [
    {
      "id": "LC-1",
      "number": "LC-77",
      "issueDate": "2026-08-15",
      "expiryDate": "2026-11-30",
      "currency": "USD",
      "amount": 100000,
      "applicant": "Buyer Co",
      "beneficiary": "Seller Co",
      "goods": "Widgets",
      "requiredDocs": [
        "bill of lading"
      ]
    }
  ],
  "documents": [
    {
      "id": "DOC-1",
      "type": "bill of lading",
      "number": "BL-1",
      "date": "2026-09-05",
      "currency": "USD",
      "amount": 100000,
      "shipper": "Seller Co",
      "consignee": "Buyer Co",
      "invoiceId": "INV-1",
      "lcId": "LC-1"
    }
  ],
  "assignments": [
    {
      "id": "ASG-1",
      "invoiceId": "INV-1",
      "assignee": "Bank A",
      "assignor": "Seller Co",
      "date": "2026-09-10",
      "amount": 100000,
      "currency": "USD"
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "packaged",
  "invoiceCount": 1,
  "contractCount": 1,
  "lcCount": 1,
  "documentCount": 1,
  "assignmentCount": 1,
  "sections": {
    "documentMatch": {
      "matchedCount": 1,
      "invoiceCount": 1
    },
    "lcDiscrepancies": {
      "lcCount": 1,
      "discrepancyCount": 0
    },
    "financingReadiness": {
      "readyCount": 1,
      "invoiceCount": 1
    },
    "aging": {
      "asOf": "2026-11-01",
      "buckets": {
        "current": 0,
        "1-30": 100000,
        "31-60": 0,
        "61-90": 0,
        "90+": 0,
        "unknown": 0
      }
    },
    "assignmentConflicts": {
      "conflictCount": 0
    },
    "partyConsistency": {
      "consistentCount": 1
    },
    "paymentTermRisk": {
      "higherCount": 0
    },
    "creditExposure": {
      "counterpartyCount": 1,
      "totalOutstanding": 100000
    },
    "discounting": {
      "invoiceCount": 1
    }
  },
  "items": [
    {
      "invoiceId": "INV-1",
      "invoiceNumber": "INV-1001",
      "contractId": "CT-1",
      "lcId": "LC-1",
      "documentCount": 1,
      "documentIds": [
        "DOC-1"
      ],
      "amountAligned": true,
      "amountCompared": true,
      "partiesAligned": true,
      "partiesCompared": true,
      "matched": true,
      "creditDecision": false,
      "financingApproved": false,
      "amountInvented": false
    }
  ],
  "creditDecision": false,
  "financingApproved": false,
  "amountInvented": false,
  "discrepancyInvented": false,
  "paidProviderUsed": false,
  "apiKeyRequired": false,
  "publicSources": [],
  "findings": [],
  "limitations": [
    "Invoices, contracts, letters of credit, trade documents, and assignments are copied only from labeled fields supplied by the caller, or from key-free public World Bank trade responses when requested.",
    "No paid trade-finance data provider is used and no API key is required.",
    "Missing amounts, due dates, parties, and document fields are not invented.",
    "Financing readiness and discounting figures are descriptive calculations only. A credit or financing decision is never produced.",
    "Discrepancy and conflict findings compare supplied fields only and do not contact banks or registries."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/trade-finance/evidence-package" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "asOf": "2026-11-01",
  "discountRatePct": 6,
  "invoices": [
    {
      "id": "INV-1",
      "number": "INV-1001",
      "issueDate": "2026-09-01",
      "dueDate": "2026-10-15",
      "currency": "USD",
      "amount": 100000,
      "outstanding": 100000,
      "buyer": "Buyer Co",
      "seller": "Seller Co",
      "goods": "Widgets",
      "paymentTerms": "Net 30",
      "contractId": "CT-1",
      "lcId": "LC-1"
    }
  ],
  "contracts": [
    {
      "id": "CT-1",
      "number": "CT-9",
      "date": "2026-08-01",
      "currency": "USD",
      "amount": 100000,
      "buyer": "Buyer Co",
      "seller": "Seller Co",
      "goods": "Widgets",
      "paymentTerms": "Net 30"
    }
  ],
  "lettersOfCredit": [
    {
      "id": "LC-1",
      "number": "LC-77",
      "issueDate": "2026-08-15",
      "expiryDate": "2026-11-30",
      "currency": "USD",
      "amount": 100000,
      "applicant": "Buyer Co",
      "beneficiary": "Seller Co",
      "goods": "Widgets",
      "requiredDocs": [
        "bill of lading"
      ]
    }
  ],
  "documents": [
    {
      "id": "DOC-1",
      "type": "bill of lading",
      "number": "BL-1",
      "date": "2026-09-05",
      "currency": "USD",
      "amount": 100000,
      "shipper": "Seller Co",
      "consignee": "Buyer Co",
      "invoiceId": "INV-1",
      "lcId": "LC-1"
    }
  ],
  "assignments": [
    {
      "id": "ASG-1",
      "invoiceId": "INV-1",
      "assignee": "Bank A",
      "assignor": "Seller Co",
      "date": "2026-09-10",
      "amount": 100000,
      "currency": "USD"
    }
  ]
}
JSON