Alt Bank Underwriting API

openapi: 3.2.0
info:
  title: alt.bank GUARD Underwriting API
  version: '1.0'
  description: 'GUARD is alt.bank''s credit-underwriting and risk-scoring engine for partner-issued credit cards in Brazil. A partner submits an underwriting request for a customer (identified by CPF); GUARD scores the applicant against traditional and alternative data and returns a risk band and a suggested initial credit line. The call is asynchronous: GUARD acknowledges the request and later POSTs the result to a partner callback URL that is configured out-of-band with alt.bank before use.'
  contact:
    name: alt.bank Developer Support
    url: https://developers.altbank.ai/docs/guard-api
servers:
- url: https://guard.altbank.ai
  description: Production
- url: https://guard.stg.altbank.ai
  description: Sandbox / staging (test CPFs emulate approval and rejection scenarios)
security:
- PartnerAuth: []
tags:
- name: Underwriting
  description: Credit underwriting and risk scoring for partner card issuance.
paths:
  /api/partner/credit/cards/underwritings:
    post:
      operationId: submitUnderwriting
      tags:
      - Underwriting
      summary: Submit a credit-card underwriting request
      description: Starts the underwriting process for a customer. The call is asynchronous — GUARD accepts the request and returns an acknowledgement, then delivers the scoring result to the partner's pre-configured callback endpoint once processing completes. Authenticate with the `X-Partner-Auth` header (a 64-character alphanumeric partner token).
      security:
      - PartnerAuth: []
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/UnderwritingRequest'
      responses:
        '202':
          description: Underwriting request accepted for asynchronous processing. The scoring result is delivered later to the partner callback URL as an UnderwritingResult payload.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/UnderwritingAck'
        '401':
          description: Missing or invalid `X-Partner-Auth` token.
components:
  schemas:
    UnderwritingAck:
      type: object
      description: Acknowledgement that the asynchronous underwriting request was accepted.
      additionalProperties: true
    UnderwritingRequest:
      type: object
      description: Underwriting input for one customer. The customer is identified by CPF (Brazilian taxpayer registry number); in the sandbox, alt.bank provides test CPFs that emulate different approval/rejection scenarios. Additional request fields exist in the partner-gated documentation and are not reproduced here.
      additionalProperties: true
      properties:
        cpf:
          type: string
          description: Brazilian taxpayer registry number (CPF) of the applicant.
      required:
      - cpf
  securitySchemes:
    PartnerAuth:
      type: apiKey
      in: header
      name: X-Partner-Auth
      description: Partner authentication token — a 64-character alphanumeric string issued by alt.bank, sent on every request in the `X-Partner-Auth` header.