openapi: 3.0.1
info:
  title: Information Account RiskReport API
  description: Spare account information API documentation
  termsOfService: https://terms.tryspare.com/en
  contact:
    name: Spare Technologies WLL.
    email: hello@tryspare.com
  license:
    name: Spare Technologies WLL.
  version: '1.0'
security:
- Bearer: []
tags:
- name: RiskReport
paths:
  /api/v1.0/ais/RiskReport/Create:
    get:
      tags:
      - RiskReport
      summary: Create account information risk report.
      description: '**Unique resource name :** ais.v1.risk_report.create'
      parameters:
      - name: customerId
        in: query
        description: Customer ID
        required: true
        schema:
          type: string
          format: uuid
      responses:
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
        '402':
          description: Payment Required
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
        '403':
          description: Forbidden
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
        '500':
          description: Internal Server Error
        '201':
          description: ''
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/RiskReportStatusResponseModelApiResponse'
        '400':
          description: '- If customer ID not valid

            - If consent is expired

            - If consent is not authorized

            - If account data not found

            - If balance data not found

            - If transaction data not found'
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
        '404':
          description: '- If customer not found'
  /api/v1.0/ais/RiskReport/Get:
    get:
      tags:
      - RiskReport
      summary: Get account information risk report by id.
      description: '**Unique resource name :** ais.v1.risk_report.get'
      parameters:
      - name: reportId
        in: query
        description: Report ID
        required: true
        schema:
          type: string
          format: uuid
      responses:
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
        '402':
          description: Payment Required
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
        '403':
          description: Forbidden
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
        '500':
          description: Internal Server Error
        '200':
          description: ''
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/RiskScoreResponseApiResponse'
        '400':
          description: '- If consent id is not valid.'
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
  /api/v1.0/ais/RiskReport/Export:
    get:
      tags:
      - RiskReport
      summary: Export account information risk report.
      description: '**Unique resource name :** ais.v1.risk_report.export'
      parameters:
      - name: reportId
        in: query
        description: Report ID
        required: true
        schema:
          type: string
          format: uuid
      responses:
        '401':
          description: Unauthorized
          content:
            application/pdf:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
            application/json:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
        '402':
          description: Payment Required
          content:
            application/pdf:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
            application/json:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
        '403':
          description: Forbidden
          content:
            application/pdf:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
            application/json:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
        '500':
          description: Internal Server Error
        '200':
          description: ''
          content:
            application/pdf:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
            application/json:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
        '400':
          description: '- If consent id is not valid.'
          content:
            application/pdf:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
            application/json:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
        '404':
          description: '- - If consent not found'
          content:
            application/pdf:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
            application/json:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
  /api/v1.0/ais/RiskReport/List:
    post:
      tags:
      - RiskReport
      summary: List account information reports.
      description: '**Unique resource name :** ais.v1.account_information_report.list'
      parameters:
      - name: customerId
        in: query
        description: Customer id
        required: true
        schema:
          type: string
          format: uuid
      - name: page
        in: query
        description: Page number
        schema:
          type: integer
          format: int32
          default: '1'
      - name: perPage
        in: query
        description: Number of items per page maximum allow is 10 per page
        schema:
          type: integer
          format: int32
          default: '10'
      responses:
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
        '402':
          description: Payment Required
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
        '403':
          description: Forbidden
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
        '500':
          description: Internal Server Error
        '200':
          description: ''
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/RiskReportStatusResponseModelIEnumerablePagesModelMetaApiResponse'
        '400':
          description: '- If pagination is not valid.'
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
        '404':
          description: '- If customer not found'
  /api/v1.0/ais/RiskReport/Status:
    get:
      tags:
      - RiskReport
      summary: Get account information risk report status.
      description: '**Unique resource name :** ais.v1.risk_report.status'
      parameters:
      - name: reportId
        in: query
        description: Report ID
        required: true
        schema:
          type: string
          format: uuid
      responses:
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
        '402':
          description: Payment Required
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
        '403':
          description: Forbidden
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
        '500':
          description: Internal Server Error
        '200':
          description: ''
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/RiskReportStatusResponseModelApiResponse'
        '400':
          description: '- If the job is null or not a valid UUID.'
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
        '404':
          description: '- If the job does not exist.'
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
  /api/v1.0/ais/RiskReport/Delete:
    delete:
      tags:
      - RiskReport
      summary: Delete account information risk report
      description: '**Unique resource name :** ais.v1.risk_report.delete'
      parameters:
      - name: reportId
        in: query
        description: Risk report ID
        required: true
        schema:
          type: string
          format: uuid
      responses:
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
        '402':
          description: Payment Required
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
        '403':
          description: Forbidden
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
        '500':
          description: Internal Server Error
        '204':
          description: ''
        '400':
          description: '- If id is null or an invalid UUID.'
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ObjectApiResponse'
components:
  schemas:
    AvgMonthlyInflowDetail:
      type: object
      properties:
        monthlyInflowValues:
          type: array
          items:
            type: number
            format: double
          nullable: true
        avgMonthlyInflow:
          type: number
          format: double
        inflowVariabilityRatio:
          type: number
          format: double
          nullable: true
        coverageRatio:
          type: number
          format: double
          nullable: true
        magnitudeScore:
          type: integer
          format: int32
          nullable: true
        stabilityScore:
          type: integer
          format: int32
          nullable: true
        observationWindowMonths:
          type: integer
          format: int32
          nullable: true
        score:
          type: integer
          format: int32
          nullable: true
        interpretation:
          type: string
          nullable: true
      additionalProperties: false
    FixedVsDiscretionarySpendDetail:
      type: object
      properties:
        avgFixedSpend:
          type: number
          format: double
        avgDiscretionarySpend:
          type: number
          format: double
        avgTotalSpend:
          type: number
          format: double
        fixedSpendRatio:
          type: number
          format: double
        discretionaryRatio:
          type: number
          format: double
        notApplicable:
          type: boolean
        unreliableCategorization:
          type: boolean
        observationWindowMonths:
          type: integer
          format: int32
          nullable: true
        score:
          type: integer
          format: int32
          nullable: true
        interpretation:
          type: string
          nullable: true
      additionalProperties: false
    HighRiskCategorySpendDetail:
      type: object
      properties:
        avgTotalSpend:
          type: number
          format: double
        avgHighRiskSpend:
          type: number
          format: double
        highRiskSpendRatio:
          type: number
          format: double
        highRiskSpendPercentage:
          type: number
          format: double
        notApplicable:
          type: boolean
        singleIsolatedRiskyTransactionExcluded:
          type: boolean
          nullable: true
        observationWindowMonths:
          type: integer
          format: int32
          nullable: true
        score:
          type: integer
          format: int32
          nullable: true
        interpretation:
          type: string
          nullable: true
      additionalProperties: false
    ApiError:
      enum:
      - INVALID_DATA
      - INVALID_SIGNATURE
      - RESOURCE_LOCKED
      - COUNTRY_NOT_FOUND
      - CURRENCY_NOT_FOUND
      - PROVIDER_NOT_FOUND
      - CONNECTION_NOT_FOUND
      - INSUFFICIENT_CONSENT_PERMISSIONS
      - CONSENT_EXPIRED
      - CONSENT_REVOKED
      - CONSENT_UNAUTHORIZED
      - CONSENT_NOT_FOUND
      - RISK_REPORT_NOT_FOUND
      - ACCOUNT_INFORMATION_REPORT_NOT_FOUND
      - MULTIPLE_CURRENCY_NOT_ALLOWED
      - MULTIPLE_CONSENT_DATE_NOT_ALLOWED
      - PAYMENT_NOT_FOUND
      - CONSENT_REJECTED
      - PAYMENT_REQUEST_NOT_FOUND
      - CUSTOMER_NOT_FOUND
      - CUSTOMER_ALREADY_EXISTS
      - BANK_ACCOUNT_NOT_FOUND
      - SERVER_ERROR
      - PROVIDER_CONNECTION_FAILURE
      - TRANSACTION_NOT_FOUND
      - ACCOUNT_INFORMATION_ACCESS_REQUEST_NOT_FOUND
      - CONSENT_REVOCATION_FAILED
      - CONSENT_REVOKED_OR_EXPIRED
      - SUBSCRIPTION_EXPIRED
      - NOT_SUBSCRIBED_TO_SERVICE
      - BENEFICIARY_NOT_FOUND
      - PARTIES_NOT_FOUND
      - DIRECT_DEBIT_NOT_FOUND
      - SCHEDULED_PAYMENT_NOT_FOUND
      - DEBTOR_ACCOUNT_NOT_FOUND
      - CREDITOR_ACCOUNT_NOT_FOUND
      - UNAUTHORIZED_IP_ADDRESS
      type: string
    RiskScoreResponseApiResponse:
      type: object
      properties:
        error:
          $ref: '#/components/schemas/ApiError'
        errorDescription:
          type: object
          additionalProperties:
            type: array
            items:
              type: string
            nullable: true
          nullable: true
        data:
          $ref: '#/components/schemas/RiskScoreResponse'
      additionalProperties: false
    VolatilityIndexDetail:
      type: object
      properties:
        incomeVolatility:
          type: number
          format: double
        expenseVolatility:
          type: number
          format: double
        balanceVolatility:
          type: number
          format: double
        balanceVolatilityFromDailyBalances:
          type: boolean
        volatilityIndexRaw:
          type: number
          format: double
        normalizedIndex:
          type: number
          format: double
        observationWindowMonths:
          type: integer
          format: int32
          nullable: true
        score:
          type: integer
          format: int32
          nullable: true
        interpretation:
          type: string
          nullable: true
      additionalProperties: false
    DecimalFeatureSignal:
      type: object
      properties:
        value:
          type: number
          format: double
        observationWindowMonths:
          type: integer
          format: int32
          nullable: true
        score:
          type: integer
          format: int32
          nullable: true
        interpretation:
          type: string
          nullable: true
      additionalProperties: false
    SavingRatioDetail:
      type: object
      properties:
        avgMonthlyInflow:
          type: number
          format: double
        avgMonthlyClosingBalance:
          type: number
          format: double
        savingRatio:
          type: number
          format: double
        savingRatioPercentage:
          type: number
          format: double
        notApplicable:
          type: boolean
        usedCurrentBalanceFallback:
          type: boolean
        observationWindowMonths:
          type: integer
          format: int32
          nullable: true
        score:
          type: integer
          format: int32
          nullable: true
        interpretation:
          type: string
          nullable: true
      additionalProperties: false
    RiskReportStatusResponseModelApiResponse:
      type: object
      properties:
        error:
          $ref: '#/components/schemas/ApiError'
        errorDescription:
          type: object
          additionalProperties:
            type: array
            items:
              type: string
            nullable: true
          nullable: true
        data:
          $ref: '#/components/schemas/RiskReportStatusResponseModel'
      additionalProperties: false
    ObjectApiResponse:
      type: object
      properties:
        error:
          $ref: '#/components/schemas/ApiError'
        errorDescription:
          type: object
          additionalProperties:
            type: array
            items:
              type: string
            nullable: true
          nullable: true
        data:
          nullable: true
      additionalProperties: false
    EmployerConsistencyDetail:
      type: object
      properties:
        distinctEmployers:
          type: integer
          format: int32
        primaryEmployer:
          type: string
          nullable: true
        durationRatio:
          type: number
          format: double
        employerSwitchCount:
          type: integer
          format: int32
        observationWindowMonths:
          type: integer
          format: int32
          nullable: true
        score:
          type: integer
          format: int32
          nullable: true
        interpretation:
          type: string
          nullable: true
      additionalProperties: false
    EmergencyBufferDetail:
      type: object
      properties:
        avgAvailableBalance:
          type: number
          format: double
        avgMonthlyExpense:
          type: number
          format: double
        emergencyBufferMonths:
          type: number
          format: double
        notApplicable:
          type: boolean
        usedCurrentBalanceFallback:
          type: boolean
        observationWindowMonths:
          type: integer
          format: int32
          nullable: true
        score:
          type: integer
          format: int32
          nullable: true
        interpretation:
          type: string
          nullable: true
      additionalProperties: false
    RiskReportStatusResponseModelIEnumerablePagesModelMetaApiResponse:
      type: object
      properties:
        error:
          $ref: '#/components/schemas/ApiError'
        errorDescription:
          type: object
          additionalProperties:
            type: array
            items:
              type: string
            nullable: true
          nullable: true
        data:
          type: array
          items:
            $ref: '#/components/schemas/RiskReportStatusResponseModel'
          nullable: true
        meta:
          $ref: '#/components/schemas/PagesModel'
      additionalProperties: false
    ActiveLoanMortgageDetail:
      type: object
      properties:
        loanDetected:
          type: boolean
          nullable: true
        loanTypeDetected:
          type: string
          nullable: true
        monthlyEmiEstimated:
          type: number
          format: double
        notApplicable:
          type: boolean
        insufficientData:
          type: boolean
          nullable: true
        newLoanWithinTwoCycles:
          type: boolean
        observationWindowMonths:
          type: integer
          format: int32
          nullable: true
        score:
          type: integer
          format: int32
          nullable: true
        interpretation:
          type: string
          nullable: true
      additionalProperties: false
    AvgMonthlyOutflowDetail:
      type: object
      properties:
        monthlyOutflowValues:
          type: array
          items:
            type: number
            format: double
          nullable: true
        avgMonthlyOutflow:
          type: number
          format: double
        outflowVariabilityRatio:
          type: number
          format: double
          nullable: true
        expenseGrowthRate:
          type: number
          format: double
          nullable: true
        expenseBurdenRatio:
          type: number
          format: double
          nullable: true
        expenseBurdenScore:
          type: integer
          format: int32
          nullable: true
        stabilityScore:
          type: integer
          format: int32
          nullable: true
        observationWindowMonths:
          type: integer
          format: int32
          nullable: true
        score:
          type: integer
          format: int32
          nullable: true
        interpretation:
          type: string
          nullable: true
      additionalProperties: false
    Int32FeatureSignal:
      type: object
      properties:
        value:
          type: integer
          format: int32
        observationWindowMonths:
          type: integer
          format: int32
          nullable: true
        score:
          type: integer
          format: int32
          nullable: true
        interpretation:
          type: string
          nullable: true
      additionalProperties: false
    RecurringPaymentLoadDetail:
      type: object
      properties:
        avgMonthlyInflow:
          type: number
          format: double
        avgMonthlyRecurringPayment:
          type: number
          format: double
        recurringPaymentLoad:
          type: number
          format: double
        recurringPaymentLoadPercentage:
          type: number
          format: double
        notApplicable:
          type: boolean
        observationWindowMonths:
          type: integer
          format: int32
          nullable: true
        score:
          type: integer
          format: int32
          nullable: true
        interpretation:
          type: string
          nullable: true
      additionalProperties: false
    PositiveEndOfMonthBalanceDetail:
      type: object
      properties:
        positiveMonths:
          type: integer
          format: int32
        negativeMonths:
          type: integer
          format: int32
        positiveMonthPercentage:
          type: number
          format: double
        usedNetCashFlowFallback:
          type: boolean
        notApplicable:
          type: boolean
        observationWindowMonths:
          type: integer
          format: int32
          nullable: true
        score:
          type: integer
          format: int32
          nullable: true
        interpretation:
          type: string
          nullable: true
      additionalProperties: false
    IncomeFrequencyDetail:
      type: object
      properties:
        frequencyType:
          type: string
          nullable: true
        medianGapDays:
          type: number
          format: double
        gapStabilityRatio:
          type: number
          format: double
        coverageRatio:
          type: number
          format: double
        observationWindowMonths:
          type: integer
          format: int32
          nullable: true
        score:
          type: integer
          format: int32
          nullable: true
        interpretation:
          type: string
          nullable: true
      additionalProperties: false
    IncomeTrendDetail:
      type: object
      properties:
        firstMonthIncome:
          type: number
          format: double
        lastMonthIncome:
          type: number
          format: double
        normalizedGrowthRate:
          type: number
          format: double
        growthConsistencyRatio:
          type: number
          format: double
        adjustedScore:
          type: integer
          format: int32
        observationWindowMonths:
          type: integer
          format: int32
          nullable: true
        score:
          type: integer
          format: int32
          nullable: true
        interpretation:
          type: string
          nullable: true
      additionalProperties: false
    CashFlowRatioDetail:
      type: object
      properties:
        avgMonthlyInflow:
          type: number
          format: double
        avgMonthlyOutflow:
          type: number
          format: double
        ratio:
          type: number
          format: double
        netCashFlow:
          type: number
          format: double
        marginRatio:
          type: number
          format: double
          nullable: true
        observationWindowMonths:
          type: integer
          format: int32
          nullable: true
        score:
          type: integer
          format: int32
          nullable: true
        interpretation:
          type: string
          nullable: true
      additionalProperties: false
    DebtServiceRatioDetail:
      type: object
      properties:
        avgMonthlyInflow:
          type: number
          format: double
        avgMonthlyDebtPayment:
          type: number
          format: double
        dsrRatio:
          type: number
          format: double
        dsrPercentage:
          type: number
          format: double
        notApplicable:
          type: boolean
        insufficientData:
          type: boolean
          nullable: true
        newLoanGuardrail:
          type: boolean
          nullable: true
        incomeDecliningAdjustment:
          type: boolean
          nullable: true
        observationWindowMonths:
          type: integer
          format: int32
          nullable: true
        score:
          type: integer
          format: int32
          nullable: true
        interpretation:
          type: string
          nullable: true
      additionalProperties: false
    SalaryRangeDetail:
      type: object
      properties:
        minMonthlySalary:
          type: number
          format: double
        maxMonthlySalary:
          type: number
          format: double
        medianMonthlySalary:
          type: number
          format: double
        salaryVariabilityRatio:
          type: number
          format: double
        salaryCoverageRatio:
          type: number
          format: double
        observationWindowMonths:
          type: integer
          format: int32
          nullable: true
        score:
          type: integer
          format: int32
          nullable: true
        interpretation:
          type: string
          nullable: true
      additionalProperties: false
    RiskReportStatusResponseModel:
      type: object
      properties:
        customerId:
          type: string
          format: uuid
          nullable: true
        ReportId:
          type: string
          format: uuid
        status:
          type: string
          nullable: true
        reason:
          type: string
          nullable: true
        createdAt:
          type: string
          format: date-time
      additionalProperties: false
    RepaymentRegularityDetail:
      type: object
      properties:
        emiExpectedAmount:
          type: number
          format: double
          nullable: true
        totalExpectedPayments:
          type: integer
          format: int32
        onTimePayments:
          type: integer
          format: int32
        missedPayments:
          type: integer
          format: int32
        fullPayments:
          type: integer
          format: int32
        onTimeRatio:
          type: number
          format: double
        fullPaymentRatio:
          type: number
          format: double
        missedRatio:
          type: number
          format: double
        compositeRawScore:
          type: number
          format: double
        notApplicable:
          type: boolean
        insufficientEmiCycles:
          type: boolean
          nullable: true
        newLoanGuardrail:
          type: boolean
          nullable: true
        observationWindowMonths:
          type: integer
          format: int32
          nullable: true
        score:
          type: integer
          format: int32
          nullable: true
        interpretation:
          type: string
          nullable: true
      additionalProperties: false
    PagesModel:
      type: object
      properties:
        currentPageNumber:
          type: integer
          format: int32
        pageSize:
          type: integer
          format: int32
        totalNumberOfPages:
          type: integer
          format: int32
      additionalProperties: false
    OverdraftFrequencyDetail:
      type: object
      properties:
        observationWindowDays:
          type: integer
          format: int32
        overdraftDays:
          type: integer
          format: int32
        overdraftEpisodeCount:
          type: integer
          format: int32
        overdraftFrequencyRatio:
          type: number
          format: double
        insufficientBalanceHistory:
          type: boolean
        observationWindowMonths:
          type: integer
          format: int32
          nullable: true
        score:
          type: integer
          format: int32
          nullable: true
        interpretation:
          type: string
          nullable: true
      additionalProperties: false
    DoubleFeatureSignal:
      type: object
      properties:
        value:
          type: number
          format: double
        observationWindowMonths:
          type: integer
          format: int32
          nullable: true
        score:
          type: integer
          format: int32
          nullable: true
        interpretation:
          type: string
          nullable: true
      additionalProperties: false
    FeatureSet:
      type: object
      properties:
        salaryCoefficientOfVariation:
          $ref: '#/components/schemas/DoubleFeatureSignal'
        salaryRangeDetail:
          $ref: '#/components/schemas/SalaryRangeDetail'
        incomeFrequencyDetail:
          $ref: '#/components/schemas/IncomeFrequencyDetail'
        employerConsistencyDetail:
          $ref: '#/components/schemas/EmployerConsistencyDetail'
        incomeTrendDetail:
          $ref: '#/components/schemas/IncomeTrendDetail'
        avgMonthlyInflowDetail:
          $ref: '#/components/schemas/AvgMonthlyInflowDetail'
        avgMonthlyOutflowDetail:
          $ref: '#/components/schemas/AvgMonthlyOutflowDetail'
        cashFlowRatioDetail:
          $ref: '#/components/schemas/CashFlowRatioDetail'
        volatilityIndexDetail:
          $ref: '#/components/schemas/VolatilityIndexDetail'
        overdraftFrequencyDetail:
          $ref: '#/components/schemas/OverdraftFrequencyDetail'
        fixedVsDiscretionarySpendDetail:
          $ref: '#/components/schemas/FixedVsDiscretionarySpendDetail'
        positiveEndOfMonthBalanceDetail:
          $ref: '#/components/schemas/PositiveEndOfMonthBalanceDetail'
        savingRatioDetail:
          $ref: '#/components/schemas/SavingRatioDetail'
        emergencyBufferDetail:
          $ref: '#/components/schemas/EmergencyBufferDetail'
        recurringPaymentLoadDetail:
          $ref: '#/components/schemas/RecurringPaymentLoadDetail'
        highRiskCategorySpendDetail:
          $ref: '#/components/schemas/HighRiskCategorySpendDetail'
        activeLoanMortgageDetail:
          $ref: '#/components/schemas/ActiveLoanMortgageDetail'
        repaymentRegularityDetail:
          $ref: '#/components/schemas/RepaymentRegularityDetail'
        debtServiceRatioDetail:
          $ref: '#/components/schemas/DebtServiceRatioDetail'
        repaymentScore:
          $ref: '#/components/schemas/DecimalFeatureSignal'
        fixedSpendRatio:
          $ref: '#/components/schemas/DecimalFeatureSignal'
        incomeTransactionCount:
          $ref: '#/components/schemas/Int32FeatureSignal'
        riskyTransactionCount:
          $ref: '#/components/schemas/Int32FeatureSignal'
        averageTransactionAmount:
          $ref: '#/components/schemas/DecimalFeatureSignal'
        incomeStabilityScore:
          $ref: '#/components/schemas/DecimalFeatureSignal'

# --- truncated at 32 KB (32 KB total) ---
# Full source: https://raw.githubusercontent.com/api-evangelist/spare/refs/heads/main/openapi/spare-riskreport-api-openapi.yml