---
title: "Get Premium Bid Suggestion"
method: POST
path: "/api/ai/bid-suggestion/premium"
---

# Get Premium Bid Suggestion

`POST /api/ai/bid-suggestion/premium`

## Request

- Base URL: `https://api.kojiru.com` (the document declares no server; this is the origin it was published from)
- URL: `https://api.kojiru.com/api/ai/bid-suggestion/premium`
- Auth: HTTP bearer

Premium deep bid analysis gated by x402 USDC micropayment.

## Request body

- BidSuggestionRequest
  - `loan_request_id` string, required

## Response `200`

Successful Response

- PremiumBidSuggestionResponse
  - `suggested_apr` number, required
  - `confidence` string, required
  - `reasoning` string, required
  - `risk_assessment` string, required
  - `recommended_action` string, required
  - `loan_details` object, required
  - `premium_insights` object, required

## Other responses

- `422`: Validation Error

---

[API](https://skmtc.dev/kojiru/apis/kojiru-api.md) · [All operations](https://skmtc.dev/kojiru/apis/kojiru-api/llms.txt) · [OpenAPI document](https://skmtc.dev/kojiru/apis/kojiru-api/revisions/7974409f57cd?raw)