generated: '2026-07-17'
method: searched
source: https://developers.altbank.ai/docs/guard-api
spec_type: Webhooks
summary: >-
The GUARD underwriting API is asynchronous and event-driven at the result
stage: after a partner submits an underwriting request, alt.bank POSTs the
scoring result to a partner-provided callback endpoint. The callback URL is
registered with alt.bank out-of-band prior to using the API.
webhooks:
- event: underwriting.result
direction: altbank-to-partner
transport: https-post
trigger: >-
Fired once GUARD finishes scoring an underwriting request previously
submitted to POST /api/partner/credit/cards/underwritings.
delivery:
target: partner-configured callback URL (registered with alt.bank out-of-band)
payload:
schema_ref: openapi/altbank-guard-openapi.yml#/components/schemas/UnderwritingResult
fields:
- name: riskBand
description: Score-based risk band (may be -1 under cost-saving policy or when unscoreable).
- name: score
description: Model's final score (may be -1 under cost-saving policy or when unscoreable).
- name: limit
description: Suggested initial credit line on approval; 0 when not approved; -1 when unscoreable.
notes: >-
No published AsyncAPI document exists; this captures the documented webhook
callback surface. The full callback payload schema is behind the partner-gated
developer portal — only the three documented result fields are modeled.