Every loan XRPLHub has ever observed for a borrower (API key, free tier)

The credit file XLS-66 can't keep. Built from append-only exposure snapshots: every loan ever observed for this borrower with first/last observed ledger, last-known status, monotonic everDefaulted / everImpaired / everOverdue flags, and — for loans since deleted from the ledger — the ledger window in which they vanished. A borrower who defaulted and deleted the loan shows nothing on-ledger; here it shows as vanished with everDefaulted true. observationWindow states how far back our view goes — loans deleted before firstObservedAt are invisible to us. A daily cron sweep re-observes every known borrower so the history has no gaps where nobody queried; the sweepCoverage block reports when this borrower was last swept and lists any observation gaps. Free.