Primary - Decisions

Discover evidence-backed access across explicit loan and deposit products

Evaluates one person's confirmed membership facts once against the complete active credit-union fleet, then composes the existing reachable-offers rules across 1-19 unique explicit product selectors. Membership, published product availability, product suitability, published pricing, underwriting, and approval are separate response layers. Published prices are not quotes, underwriting results, preapprovals, commitments, or guarantees of final availability. Unknown is never ineligible. The initial implementation performs one eligibility discovery followed by one rate query per selector and reports that strategy in completeness.

Authentication required: Pass your API key in the X-API-Key header.

post/v1/access-catalog

Request

  • Base URL: https://api.rateapi.dev
  • URL: https://api.rateapi.dev/v1/access-catalog
  • Auth: API key in header X-API-Key

Request body

personPerson required(unresolved $ref)
productsProduct[] required(unresolved $ref)

Unique explicit product selectors. Omitted scenario facts remain unresolved; the API never invents an amount, balance, term, intent, audience, vehicle condition, or occupancy.

limit_per_productinteger

Maximum detail rows returned for each selector, subject to the total cap and plan cap.

total_limitinteger

Maximum detail rows returned across all selectors.

Response

Multi-product, positive-evidence-only personal access catalog.

catalog_version'access_catalog_v1' required

Stable response-contract version.

questionsobject required

Membership questions shared across all selectors.

snapshotobject required

Eligibility generation boundary, returned-price observation range, and response generation time.

semantics'positive_evidence_only' required

Interpretation contract: missing or unknown evidence never proves a negative.

disclosurestring required

Required consumer-facing distinction between access, pricing, underwriting, and approval.

Changes

No recorded changes to this operation across all 1 revision of this API.