{  "data": {    "meta": {      "source_format": "json",      "engine_version": "1.0.0",      "timings_seconds": {        "risk": 0.0001,        "total": 0.0218,        "anomaly": 0,        "scoring": 0.0003,        "signals": 0.0005,        "advisory": 0.0003,        "behavior": 0.0008,        "cashflow": 0.0009,        "grouping": 0.0002,        "forensics": 0.0021,        "ingestion": 0.0133,        "affordability": 0.001,        "categorization": 0.0017      },      "transaction_count": 1    },    "risk": {      "findings": [        null      ],      "available": true,      "red_flags": [        null      ],      "risk_band": "minimal",      "indicators": {        "gambling": {          "present": false,          "total_won": 0,          "active_days": 0,          "stake_count": 0,          "net_position": 0,          "total_staked": 0,          "monthly_stake": 0,          "recovery_ratio": 0,          "share_of_income": 0,          "share_of_outflow": 0        },        "liquidity": {          "available": true,          "min_balance": 233250,          "average_balance": 233250,          "balance_trend_pct": 0,          "liquidity_buffer_days": "",          "negative_balance_share": 0,          "ends_higher_than_starts": false        },        "income_risk": {          "source_count": 1,          "income_trend_pct": 0,          "income_volatility": 0,          "has_regular_salary": true,          "income_stability_score": 60        },        "concentration": {          "top_payees": [            null          ],          "unique_payees": 0,          "payee_concentration_gini": 0,          "income_concentration_gini": 0        },        "credit_stress": {          "digital_lenders": [            null          ],          "repayment_count": 0,          "penalty_fee_count": 0,          "penalty_fee_total": 0,          "debt_service_ratio": 0,          "digital_lender_count": 0,          "monthly_debt_service": 0,          "borrow_to_repay_ratio": 0,          "loan_disbursement_count": 0,          "loan_disbursement_total": 0,          "fixed_obligations_monthly": 0        },        "account_conduct": {          "fee_share": 0,          "fees_total": 0,          "dormant_days": 0,          "activity_rate": 1,          "digital_share": 0,          "reversal_count": 0,          "cash_dependency": 0        },        "spending_pressure": {          "savings_rate": 1,          "discretionary_share": 0,          "post_payday_burn_rate": "",          "expense_to_income_ratio": 0,          "lifestyle_inflation_pct": 0        }      },      "risk_score": 0    },    "source": {      "md5": "6d28629ecec9c93f8d82647249830ddc",      "sha256": "91e6d909fe17edb9350130ab89d946d8912853928f00fd753af4057f2012b6b7",      "filename": "api-payload.json",      "file_size": 506,      "is_scanned": false,      "page_count": 0,      "text_density": 0,      "source_format": "json",      "extraction_method": "direct-json"    },    "status": "completed",    "account": {      "email": "",      "branch": "",      "currency": "KES",      "bank_code": "",      "bank_name": "Equity Bank Kenya",      "period_end": "2026-08-31",      "customer_id": "",      "account_name": "GRACE ATIENO",      "account_type": "",      "generated_at": "",      "period_start": "2026-08-01",      "phone_number": "",      "account_number": 170294851632,      "statement_type": "bank",      "closing_balance": 149736.65,      "opening_balance": 48250,      "masked_account_number": "*********1632"    },    "scoring": {      "grade": "E",      "verdict": {        "grade": "E",        "score": 35.7,        "persona": {          "label": "Balanced spender",          "traits": [            "salaried"          ]        },        "summary": [          "Regular salary of about 185,000 per month."        ],        "headline": "Poor financial health (grade E, 36/100). Profile: Balanced spender.",        "risk_band": "minimal",        "authenticity_status": "tampered"      },      "decision": {        "outcome": "reject",        "reasons": [          "Statement authenticity failed verification."        ]      },      "penalties": [        {          "points": 45,          "reason": "Document shows conclusive evidence of tampering"        }      ],      "scorecard": [        {          "band": "none",          "code": "BEH_SAVINGS_BEHAVIOUR",          "name": "Savings and investment share",          "unit": "ratio",          "value": 0,          "domain": "behaviour",          "impact": -1,          "points": 0,          "weight": 1        }      ],      "confidence": {        "band": "low",        "level": 43.4,        "limitations": [          "Less than 3 months of history; seasonality and recurrence cannot be verified."        ],        "history_months": 0.03,        "signal_coverage": 0.889,        "transaction_count": 1      },      "grade_label": "Poor",      "domain_scores": {        "credit": {          "score": 100,          "coverage": 1,          "available": 5,          "signal_count": 5        },        "income": {          "score": 82.7,          "coverage": 1,          "available": 7,          "signal_count": 7        },        "cashflow": {          "score": 88.9,          "coverage": 1,          "available": 6,          "signal_count": 6        },        "behaviour": {          "score": 71.4,          "coverage": 0.875,          "available": 7,          "signal_count": 8        },        "integrity": {          "score": 67.4,          "coverage": 0.6,          "available": 3,          "signal_count": 5        },        "liquidity": {          "score": 88.5,          "coverage": 0.8,          "available": 4,          "signal_count": 5        }      },      "raw_composite": 86.7,      "domain_contributions": [        {          "score": 100,          "domain": "credit",          "weight": 0.2,          "contribution": 20        }      ],      "financial_health_score": 35.7    },    "signals": {      "signals": [        {          "band": "strong",          "code": "INC_MONTHLY",          "name": "Median monthly earned income",          "unit": "currency",          "value": 185000,          "domain": "income",          "weight": 1,          "polarity": "higher_better",          "band_index": 4,          "normalized": 100,          "description": "Median of monthly income excluding loans, refunds and internal transfers."        }      ],      "by_domain": {        "credit": [          {            "band": "minimal",            "code": "CRD_DSR",            "name": "Debt service ratio",            "unit": "ratio",            "value": 0,            "domain": "credit",            "weight": 1.5,            "polarity": "lower_better",            "band_index": 0,            "normalized": 100,            "description": "Monthly loan and card repayments divided by monthly income."          }        ],        "income": [          {            "band": "strong",            "code": "INC_MONTHLY",            "name": "Median monthly earned income",            "unit": "currency",            "value": 185000,            "domain": "income",            "weight": 1,            "polarity": "higher_better",            "band_index": 4,            "normalized": 100,            "description": "Median of monthly income excluding loans, refunds and internal transfers."          }        ],        "cashflow": [          {            "band": "strong",            "code": "CF_SAVINGS_RATE",            "name": "Savings rate",            "unit": "ratio",            "value": 1,            "domain": "cashflow",            "weight": 1.4,            "polarity": "higher_better",            "band_index": 4,            "normalized": 100,            "description": "(inflow - outflow) / inflow across the observed period."          }        ],        "behaviour": [          {            "band": "none",            "code": "BEH_GAMBLING_INCOME",            "name": "Gambling as share of income",            "unit": "ratio",            "value": 0,            "domain": "behaviour",            "weight": 1.6,            "polarity": "lower_better",            "band_index": 0,            "normalized": 100,            "description": "Monthly betting stakes divided by monthly income."          }        ],        "integrity": [          {            "band": "acceptable",            "code": "INT_AUTHENTICITY",            "name": "Document authenticity score",            "unit": "score",            "value": 87,            "domain": "integrity",            "weight": 2,            "polarity": "higher_better",            "band_index": 3,            "normalized": 75,            "description": "100 minus the weighted tamper and ledger-inconsistency score."          }        ],        "liquidity": [          {            "band": "strong",            "code": "LIQ_AVG_BALANCE",            "name": "Average balance",            "unit": "currency",            "value": 233250,            "domain": "liquidity",            "weight": 1,            "polarity": "higher_better",            "band_index": 4,            "normalized": 100,            "description": "Mean of the running balance across the period."          }        ]      },      "strengths": [        {          "band": "strong",          "code": "INC_MONTHLY",          "name": "Median monthly earned income",          "unit": "currency",          "value": 185000,          "domain": "income",          "weight": 1,          "polarity": "higher_better",          "band_index": 4,          "normalized": 100,          "description": "Median of monthly income excluding loans, refunds and internal transfers."        }      ],      "weaknesses": [        {          "band": "narrow",          "code": "INC_SOURCES",          "name": "Distinct income sources",          "unit": "count",          "value": 1,          "domain": "income",          "weight": 0.6,          "polarity": "higher_better",          "band_index": 1,          "normalized": 25,          "description": "Number of distinct counterparties contributing earned income."        }      ],      "total_count": 36,      "domain_scores": {        "credit": {          "score": 100,          "coverage": 1,          "available": 5,          "signal_count": 5        },        "income": {          "score": 82.7,          "coverage": 1,          "available": 7,          "signal_count": 7        },        "cashflow": {          "score": 88.9,          "coverage": 1,          "available": 6,          "signal_count": 6        },        "behaviour": {          "score": 71.4,          "coverage": 0.875,          "available": 7,          "signal_count": 8        },        "integrity": {          "score": 67.4,          "coverage": 0.6,          "available": 3,          "signal_count": 5        },        "liquidity": {          "score": 88.5,          "coverage": 0.8,          "available": 4,          "signal_count": 5        }      },      "available_count": 32    },    "advisory": {      "llm": {        "used": false,        "reason": "disabled"      },      "source": "rules",      "confidence_note": "Confidence in this analysis is low (43/100), based on 0.03 month(s) and 1 transactions. Less than 3 months of history; seasonality and recurrence cannot be verified.",      "lender_guidance": {        "conditions": [          "Obtain additional statement history before disbursement."        ],        "recommended_action": "decline",        "suggested_exposure_note": "Prudent instalment ceiling is 74,000 per month (74,000 under stress), implying a maximum principal of about 782,575 over 12 months."      },      "recommendations": [        {          "title": "Obtain a bank-verified statement",          "action": "Reject this document and request a statement delivered directly by the issuing bank, or verify the account through an open-banking or direct-verification channel.",          "origin": "rules",          "category": "documentation",          "priority": "critical",          "rationale": "Document verdict is 'tampered' with 1 critical and 0 high-severity forensic findings.",          "timeframe": "immediate",          "estimated_monthly_impact": ""        }      ],      "risk_commentary": {        "watch_items": [          "Distinct income sources"        ],        "primary_risks": [          "No material risks detected."        ],        "mitigating_factors": [          "Median monthly earned income"        ]      },      "customer_message": "Your statement shows a mixed financial position (score 36 out of 100). You received about 1,850,000 KES a month and spent 0, keeping 100% of it. The single most useful change you can make is: Reject this document and request a statement delivered directly by the issuing bank, or verify the account through an open-banking or direct-verification channel. Small, consistent adjustments over the next three months will move this score more than any one-off action.",      "spending_verdict": {        "verdict": "excellent",        "rationale": "Outflow is 0% of inflow with a 100% savings rate; risk band is minimal.",        "key_drivers": [          "credit"        ]      },      "executive_summary": "Poor financial health (grade E, 36/100). Profile: Balanced spender. Monthly inflow averages 1,850,000 against outflow of 0, a savings rate of 100%. Risk is assessed as minimal with 0 red flag(s). Document authenticity: tampered.",      "behavioural_insights": [        {          "impact": "neutral",          "insight": "Spending is back loaded within the month",          "evidence": "0% of outflow occurs in the first 10 days."        }      ]    },    "behavior": {      "habits": {        "dining_share": 0,        "alcohol_share": 0,        "savings_share": 0,        "gambling_share": 0,        "shopping_share": 0,        "avg_ticket_size": 0,        "cash_preference": 0,        "essential_share": 0,        "transport_share": 0,        "debt_service_share": 0,        "median_ticket_size": 0,        "discretionary_share": 0,        "transfers_out_share": 0,        "counterparty_loyalty": {          "repeat_rate": 0,          "unique_counterparties": 0        },        "spend_to_income_ratio": 0,        "large_transaction_count": 0,        "large_transaction_share": 0,        "micro_transaction_count": 0,        "lifestyle_inflation_signal": {          "slope": 0,          "r_squared": 0,          "slope_pct_per_period": 0        },        "large_transaction_threshold": 0      },      "timing": {        "weekday_spend": {},        "busiest_weekday": "",        "spending_rhythm": "back_loaded",        "late_night_share": 0,        "hour_distribution": {},        "weekday_distribution": {},        "has_intraday_timestamps": true,        "front_loaded_spend_share": 0,        "day_of_month_distribution": {},        "weekend_transaction_share": 0      },      "persona": {        "label": "Balanced spender",        "traits": [          "salaried"        ]      },      "available": true,      "recurring": {        "count": 0,        "detected": [          null        ],        "obligations": [          null        ],        "subscriptions": [          null        ],        "incoming_count": 0,        "outgoing_count": 0,        "subscription_count": 0,        "subscription_monthly": 0,        "recurring_monthly_inflow": 0,        "committed_monthly_outflow": 0,        "fixed_obligations_monthly": 0      },      "income_profile": {        "income_trend": {          "slope": 0,          "r_squared": 0,          "slope_pct_per_period": 0        },        "primary_income": {          "source": "narration_match",          "employer": "ACME LTD",          "consistency": 1,          "occurrences": 1,          "monthly_amount": 185000,          "payday_day_of_month": 8        },        "months_observed": 1,        "income_volatility": 0,        "has_regular_salary": true,        "min_monthly_income": 185000,        "months_with_income": 1,        "top_income_sources": [          {            "share": 1,            "total": 185000,            "source": "ACME"          }        ],        "income_source_count": 1,        "mean_monthly_income": 185000,        "income_concentration": 0,        "median_monthly_income": 185000,        "monthly_earned_series": [          {            "month": "2026-01",            "amount": 185000          }        ],        "verified_income_share": 1,        "income_diversification": "single_source",        "income_stability_score": 60      },      "paycheck_cycle": {        "reason": "fewer than two pay events",        "available": false      }    },    "cashflow": {      "period": {        "days": 1,        "months": 0.03,        "currency": "KES",        "declared_end": "2026-08-31",        "declared_start": "2026-08-01",        "last_transaction": "2026-01-08",        "first_transaction": "2026-01-08",        "sufficient_history": false      },      "totals": {        "net_flow": 185000,        "avg_debit": 0,        "fee_count": 0,        "avg_credit": 185000,        "fees_total": 0,        "debit_count": 0,        "monthly_net": 1850000,        "credit_count": 1,        "median_debit": 0,        "savings_rate": 1,        "total_inflow": 185000,        "largest_debit": 0,        "median_credit": 185000,        "total_outflow": 0,        "largest_credit": 185000,        "monthly_inflow": 1850000,        "burn_rate_daily": 0,        "essential_share": 0,        "essential_spend": 0,        "monthly_outflow": 0,        "non_earned_inflow": 0,        "transaction_count": 1,        "discretionary_share": 0,        "discretionary_spend": 0,        "earned_income_total": 185000,        "monthly_earned_income": 1850000,        "verified_income_share": 1,        "verified_income_total": 185000,        "expense_to_income_ratio": 0,        "monthly_verified_income": 1850000      },      "balance": {        "source": "stated",        "available": true,        "max_balance": 233250,        "min_balance": 233250,        "p10_balance": 233250,        "balance_trend": {          "slope": 0,          "r_squared": 0,          "slope_pct_per_period": 0        },        "days_negative": 0,        "median_balance": 233250,        "average_balance": 233250,        "closing_balance": 149736.65,        "lowest_negative": 0,        "opening_balance": 48250,        "balance_volatility": 0,        "negative_balance_share": 0,        "ends_higher_than_starts": false      },      "monthly": {        "series": [          {            "net": 185000,            "month": "2026-01",            "inflow": 185000,            "outflow": 0,            "savings_rate": 1,            "transactions": 1,            "earned_income": 185000,            "essential_spend": 0,            "discretionary_spend": 0          }        ],        "best_month": "2026-01",        "worst_month": "2026-01",        "inflow_trend": {          "slope": 0,          "r_squared": 0,          "slope_pct_per_period": 0        },        "outflow_trend": {          "slope": 0,          "r_squared": 0,          "slope_pct_per_period": 0        },        "months_observed": 1,        "inflow_volatility": 0,        "outflow_volatility": 0,        "earned_income_trend": {          "slope": 0,          "r_squared": 0,          "slope_pct_per_period": 0        },        "net_negative_months": 0,        "net_positive_months": 1,        "median_monthly_earned": 185000,        "earned_income_volatility": 0      },      "velocity": {        "transactions_per_month": 10,        "avg_days_to_spend_inflow": "",        "monthly_inflow_growth_pct": 0,        "monthly_outflow_growth_pct": 0      },      "available": true,      "by_channel": {        "breakdown": [          {            "count": 1,            "label": "Unclassified channel",            "share": 1,            "inflow": 185000,            "volume": 185000,            "channel": "unknown",            "outflow": 0          }        ],        "digital_share": 0,        "cash_dependency": 0,        "dominant_channel": "unknown",        "channel_diversity": 0      },      "by_category": {        "breakdown": [          {            "kind": "income",            "count": 1,            "group": "Primary income",            "label": "Salary & wages",            "total": 185000,            "largest": 185000,            "category": "salary",            "essentiality": 1,            "median_amount": 185000,            "share_of_side": 1,            "average_amount": 185000,            "monthly_average": 1850000          }        ],        "spend_by_group": [          null        ],        "category_diversity": 0,        "top_income_categories": [          {            "kind": "income",            "count": 1,            "group": "Primary income",            "label": "Salary & wages",            "total": 185000,            "largest": 185000,            "category": "salary",            "essentiality": 1,            "median_amount": 185000,            "share_of_side": 1,            "average_amount": 185000,            "monthly_average": 1850000          }        ],        "category_concentration": 0,        "top_expense_categories": [          null        ]      },      "daily_summary": {        "idle_days": 0,        "active_days": 1,        "busiest_day": "2026-01-08",        "days_covered": 1,        "activity_rate": 1,        "peak_daily_outflow": 0,        "avg_transactions_per_active_day": 1      }    },    "warnings": [      null    ],    "anomalies": {      "reason": "insufficient transactions",      "available": false    },    "forensics": {      "file": {        "md5": "6d28629ecec9c93f8d82647249830ddc",        "sha256": "91e6d909fe17edb9350130ab89d946d8912853928f00fd753af4057f2012b6b7",        "filename": "api-payload.json",        "page_count": 0,        "size_bytes": 506,        "extraction_method": "direct-json"      },      "verdict": {        "status": "tampered",        "summary": "Conclusive evidence of alteration was detected. Do not rely on this document. Ledger arithmetic is minor issues.",        "confidence": "high",        "tamper_score": 0,        "top_findings": [          {            "code": "OPENING_CLOSING_MISMATCH",            "title": "Declared closing balance does not match the transaction total",            "detail": "Opening 48,250.00 + net movement 185,000.00 = 233,250.00, but the statement declares 149,736.65 (difference -83,513.35). Rows have been added, removed or altered.",            "category": "ledger",            "evidence": {              "difference": -83513.35,              "net_movement": 185000,              "opening_balance": 48250,              "declared_closing": 149736.65,              "expected_closing": 233250            },            "severity": "critical"          }        ],        "high_findings": 0,        "total_findings": 1,        "integrity_score": 25,        "critical_findings": 1,        "authenticity_score": 87      },      "metadata": {        "note": "Document-level metadata forensics is only available for PDF uploads. This statement arrived as JSON, so authenticity rests on ledger consistency and, where possible, direct issuer verification."      },      "source_format": "json",      "ledger_analysis": {        "checks": {          "gaps": {            "applicable": false          },          "benford": {            "reason": "only 1 amounts; need 60+",            "applicable": false          },          "precision": {            "decimal_share": 0,            "integer_share": 1          },          "chronology": {            "inversions": 0,            "future_dated": 0,            "weekday_distribution": {              "3": 1            }          },          "duplicates": {            "duplicate_groups": 0,            "exact_duplicates": 0,            "reused_references": 0          },          "round_numbers": {            "applicable": false          },          "opening_closing": {            "passed": false,            "applicable": true,            "difference": -83513.35,            "net_movement": 185000,            "opening_balance": 48250,            "declared_closing": 149736.65,            "expected_closing": 233250          },          "balance_continuity": {            "reason": "running balance column absent or sparse",            "applicable": false          },          "reference_sequence": {            "applicable": false          },          "description_uniformity": {            "applicable": false          }        },        "findings": [          {            "code": "OPENING_CLOSING_MISMATCH",            "title": "Declared closing balance does not match the transaction total",            "detail": "Opening 48,250.00 + net movement 185,000.00 = 233,250.00, but the statement declares 149,736.65 (difference -83,513.35). Rows have been added, removed or altered.",            "category": "ledger",            "evidence": {              "difference": -83513.35,              "net_movement": 185000,              "opening_balance": 48250,              "declared_closing": 149736.65,              "expected_closing": 233250            },            "severity": "critical"          }        ],        "integrity_band": "minor_issues",        "integrity_score": 25      },      "document_analysis": {        "edited": false,        "findings": [          null        ],        "primary_tool": "n/a",        "tamper_score": 0,        "tools_detected": [          null        ],        "tamper_risk_band": "not_applicable"      }    },    "analysis_id": "9165ac45-4b2a-4efb-93f3-377b26415c75",    "parse_notes": {      "key_mapping": {        "date": "date",        "debit": "debit",        "credit": "credit",        "balance": "balance",        "reference": "reference",        "description": "description"      }    },    "transactions": {      "available": true,      "by_channel": [        {          "key": "unknown",          "net": 185000,          "count": 1,          "label": "Unclassified channel",          "inflow": 185000,          "outflow": 0,          "last_seen": "2026-01-08",          "first_seen": "2026-01-08",          "active_days": 1,          "total_volume": 185000,          "transactions": [            {              "date": "2026-01-08T09:12:04+01:00",              "tags": [                null              ],              "amount": 185000,              "balance": 233250,              "channel": "unknown",              "category": "salary",              "direction": "credit",              "reference": "SAL7QK2M91",              "confidence": 0.96,              "description": "SALARY PAYMENT FROM ACME TECHNOLOGIES LTD",              "counterparty": "ACME LTD",              "channel_label": "Unclassified channel",              "category_label": "Salary & wages",              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