---
title: "Get Premium Credit Analysis"
method: POST
path: "/api/ai/credit-analysis/premium"
---

# Get Premium Credit Analysis

`POST /api/ai/credit-analysis/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/credit-analysis/premium`
- Auth: HTTP bearer

Premium deep credit analysis gated by x402 USDC micropayment.

## Request body

- CreditAnalysisRequest
  - `wallet_address` string, nullable

## Response `200`

Successful Response

- PremiumCreditAnalysisResponse
  - `credit_score` integer, required
  - `risk_level` string, required
  - `max_loan_amount` number, required
  - `recommended_rate_range` object, required
  - `factors` object[], required
  - `analysis_timestamp` string, required
  - `ai_insight` string, nullable
  - `premium_insights` object, required
  - `x402_payment` string

## 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)