Credit AI API Playground

🏥 System Health Check

GET /v1/health Check system status and component health

Expected Response:

{
  "status": "healthy",
  "version": "1.0.0",
  "timestamp": "2025-11-07T03:37:47.142209",
  "service": "credit-ai-api",
  "environment": "development",
  "checks": {
    "database": {
      "status": "healthy",
      "response_time_ms": 5.2,
      "connection_pool": "available"
    },
    "ml_model": {
      "status": "healthy",
      "model_version": "v1.0",
      "inference_ready": true
    },
    "llm_service": {
      "status": "healthy",
      "enabled": true,
      "available_providers": ["openai"]
    }
  }
}

🔍 Feature Extraction API

GET /v1/features/{customer_id} Extract ML features for credit analysis

Test Scenarios:

Customer ID & Feature Set:

Expected Response:

{
  "status": "success",
  "data": {
    "customer_id": 11,
    "features": {
      "age": 46,
      "NumberOfDependents": 1,
      "MonthlyIncome": 9945,
      "DebtRatio": 0.1397,
      "NumberOfOpenCreditLinesAndLoans": 4,
      "RevolvingUtilizationOfUnsecuredLines": 0.2517,
      "NumberOfTime30-59DaysPastDueNotWorse": 0,
      "NumberOfTime60-89DaysPastDueNotWorse": 0,
      "NumberOfTimes90DaysLate": 0,
      "NumberRealEstateLoansOrLines": 0
    },
    "confidence": "MEDIUM",
    "execution_time_ms": 889,
    "schema_version": "v2_credit"
  }
}

💳 Credit Decision API

POST /v1/credit-decisions Make intelligent credit decisions with ML and rules

Test Scenarios:

🟢 Standard Working Capital

Typical salaried customer applying for small business loan

Expected: APPROVE with detailed ML scoring

Request Body (Editable):

Expected Response:

{
  "status": "success",
  "data": {
    "decision_id": "dec_8e467566bf78",
    "customer_id": 11,
    "decision": "APPROVE",
    "risk_score": 0.088,
    "confidence": 0.85,
    "reasons": [
      {
        "type": "positive",
        "code": "MIN_INCOME",
        "message": "Average monthly income $5,295.00 meets minimum requirement",
        "weight": 0.8,
        "source": "rule_engine"
      }
    ],
    "key_metrics": {
      "income_trend": "stable"
    },
    "processing_time_ms": 2171,
    "metadata": {
      "customer_type": "salaried",
      "feature_confidence": "HIGH",
      "rules_evaluated": 7,
      "schema_version": "v2_credit"
    }
  }
}

📊 Analytics Query API

POST /v1/analytics/query Natural language queries with template matching

Query Examples:

📋 Template-Based Queries

Pre-built templates for common business intelligence queries

Expected: Fast SQL generation without LLM costs

Request Body (Editable):

Expected Response:

{
  "status": "success",
  "data": {
    "query": "Show me customers with high debt ratios",
    "generated_sql": "SELECT customer_id, debt_ratio, monthly_income...",
    "results": [
      {
        "customer_id": 967,
        "debt_ratio": 0.8234,
        "monthly_income": 3313,
        "risk_segment": "high"
      }
    ],
    "row_count": 10,
    "execution_time_ms": 816,
    "llm_used": false,
    "llm_provider": null,
    "conversion_strategy": "template_match",
    "schema_version": "v2_credit"
  }
}

📋 Decision Retrieval API

GET /v1/credit-decisions/{decision_id} Retrieve specific credit decisions

Decision ID:

Expected Response:

{
  "status": "success",
  "data": {
    "decision_id": "dec_35",
    "customer_id": 201,
    "decision": "APPROVE",
    "risk_score": 0.18,
    "loan_amount": 5000.00,
    "created_at": "2025-11-07T20:47:54.618958",
    "reasons": [...],
    "metadata": {...}
  }
}

📝 Decision Listing API

GET /v1/credit-decisions List and filter credit decisions

Filter Examples:

Query Parameters: