# Risk Score

json

```json
{
  "id": "rsk_8PwK...",
  "user_id": "usr_01J2K...",
  "vip_id": "vip_4DrM...",
  "generated_at": "2024-12-01T09:01:00Z",
  "composite_score": 812,
  "score_range": { "min": 0, "max": 1000 },
  "recommendation": "approve",
  "suggested_credit_limit_usd": 9000.00,
  "pillars": {
    "consistency": {
      "weight": 0.40,
      "score": 850,
      "weighted_contribution": 340,
      "details": {
        "periods_verified": 6,
        "periods_missed": 0,
        "consistency_rate": 1.0,
        "longest_streak_months": 6
      },
      "explanation": "Income verified for all 6 requested periods with no gaps."
    },
    "volume": {
      "weight": 0.25,
      "score": 790,
      "weighted_contribution": 197,
      "details": {
        "verified_monthly_income_usd": 4500.00,
        "annualized_income_usd": 54000.00,
        "income_tier": "mid"
      },
      "explanation": "Verified monthly income of $4,500 USDC supports moderate credit exposure."
    },
    "liquidity_buffer": {
      "weight": 0.20,
      "score": 810,
      "weighted_contribution": 162,
      "details": {
        "average_usdc_balance": 8820.50,
        "income_multiple": 1.96,
        "buffer_months": 1.96
      },
      "explanation": "Average wallet balance represents 1.96x monthly verified income."
    },
    "leverage": {
      "weight": 0.15,
      "score": 730,
      "weighted_contribution": 109,
      "details": {
        "estimated_monthly_obligations_usd": 0.00,
        "dti_ratio": 0.00,
        "on_chain_debt_signals": []
      },
      "explanation": "No on-chain debt obligations detected."
    }
  },
  "fraud_flags": [],
  "adverse_action_reasons": []
}
```


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