flows/flows.json

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2025-02-05 17:51:22 +00:00
{
2025-02-05 18:36:40 -05:00
"nodes": [
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"description": "Records in the database related to revolving trade accounts (a credit card account)",
"required": []
},
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"description": "Total number of trade-related (transaction) records",
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"description": "TransUnion score",
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"description": "The total current balance across all credit accounts",
"required": []
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"total_amount_high_credit": {
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],
"description": "The highest credit amount extended across all credit accounts",
"required": []
},
"revolving_amount_credit_limit": {
"type": [
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],
"description": "The total credit limit on revolving credit accounts",
"required": []
},
"revolving_amount_percent_available_credit": {
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],
"description": "The percentage of available credit that has been utilized in revolving credit accounts",
"required": []
},
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],
"description": "The current owed balance on revolving credit accounts",
"required": []
},
"revolving_amount_monthly_payment": {
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],
"description": "Minimum amount the borrower is required to pay each month to maintain the account in good standing",
"required": []
},
"revolving_amount_high_credit": {
"type": [
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],
"description": "The highest credit amount that has been extended to the borrower in revolving credit accounts",
"required": []
},
"closed_with_balance_amount_current_balance": {
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],
"description": "The current balance of closed credit accounts",
"required": []
},
"closed_with_balance_amount_monthly_payment": {
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],
"description": "The monthly payment amount for closed credit accounts (loans)",
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},
"AGG101": {
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],
"description": "Aggregate non-mortgage balances for month 1",
"required": []
},
"AGG102": {
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],
"description": "Aggregate non-mortgage balances for month 2",
"required": []
},
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"type": [
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],
"description": "Number of trades opened in past 24 months",
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},
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],
"description": "Months since oldest trade opened",
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},
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],
"description": "Percentage of open trades > 75% of credit line verified in past 12 months",
"required": []
},
"BALMAG01": {
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"null"
],
"description": "Non-mortgage balance magnitude",
"required": []
},
"BC21S": {
"type": [
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],
"description": "Months since most recent credit card trade opened",
"required": []
},
"PAYMNT10": {
"type": [
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],
"description": "Number of payments in the last quarter",
"required": []
},
"REV83": {
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],
"description": "Months since a revolving account last exceeded 75% utilization",
"required": []
},
"US01S": {
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],
"description": "Number of unsecured installment trades",
"required": []
},
"monthly_income": {
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],
"description": "Monthly income for pti calculation",
"required": []
},
"total_amount_monthly_payment": {
"type": [
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"null"
],
"description": "The total amount of monthly payments across all credit accounts for pti calculation"
},
"internal_monthly_payment": {
"type": [
"number",
"null"
],
"description": "If loan provided by Kiwi, expected monthly payment",
"required": []
},
"installment_amount_monthly_payment": {
"type": [
"number",
"null"
],
"description": "Amount the borrower is required to pay each month on installment loans.",
"required": []
},
"open_amount_current_balance": {
"type": [
"integer",
"null"
],
"description": "The current owed balance on all open accounts."
},
"installment_amount_current_balance": {
"type": [
"integer",
"null"
],
"description": "The current owed balance on installment trades/accounts."
},
"record_counts_negative_trade_count": {
"type": [
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"null"
],
"description": "Number of financial transactions that resulted in a negative impact.",
"required": []
},
"record_counts_installment_trade_count": {
"type": [
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],
"description": "The total count of installment trade records (fixed repayment schedules).",
"required": []
},
"record_counts_total_inquiry_count": {
"type": [
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"null"
],
"description": "Number of times the user has made an inquiry.",
"required": []
},
"G069S": {
"type": [
"integer",
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],
"description": "Number of trades 90 or more days past due in the past 12 months.",
"required": []
},
"AT24S": {
"type": [
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],
"description": "Number of currently open and satisfactory trades that are 6 months or older.",
"required": []
},
"BR02S": {
"type": [
"integer",
"null"
],
"description": "Number of open bank revolving trades.",
"required": []
},
"BI02S": {
"type": [
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"null"
],
"description": "Number of open bank installment trades.",
"required": []
},
"AGG103": {
"type": [
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],
"description": "Aggregate non-mortgage balances for month 3.",
"required": []
},
"ALL231": {
"type": [
"number",
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],
"description": "Aggregate excess payment for all accounts over the past month.",
"required": []
},
"AT12S": {
"type": [
"integer",
"null"
],
"description": "Number of open trades verified in the past 12 months.",
"required": []
},
"IN20S": {
"type": [
"integer",
"null"
],
"description": "Months since the oldest installment trade was opened.",
"required": []
},
"AT33A": {
"type": [
"integer",
"null"
],
"description": "Total balance of open trades verified in the past 12 months.",
"required": []
},
"AT35A": {
"type": [
"integer",
"null"
],
"description": "Average balance of open trades verified in the past 12 months.",
"required": []
},
"AT28A": {
"type": [
"integer",
"null"
],
"description": "Total credit line of open trades verified in the past 12 months.",
"required": []
},
"AT34B": {
"type": [
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"null"
],
"description": "Utilization for open trades verified in the past 12 months (excluding mortgage and home equity).",
"required": []
},
"S061S": {
"type": [
"integer",
"null"
],
"description": "Months since most recent 60 or more days past due.",
"required": []
},
"RE102S": {
"type": [
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],
"description": "Average credit line of open revolving trades verified in the past 12 months.",
"required": []
}
},
"required": []
}
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"description": "Records in the database related to revolving trade accounts (a credit card account)",
"source": "$root.record_counts_revolving_trade_count"
},
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],
"description": "Total number of trade-related (transaction) records",
"source": "$root.record_counts_total_trade_count"
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"score_results": {
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],
"description": "TransUnion score",
"source": "$root.score_results"
},
"total_amount_current_balance": {
"type": [
"number",
"null"
],
"description": "The total current balance across all credit accounts",
"source": "$root.total_amount_current_balance"
},
"total_amount_high_credit": {
"type": [
"number",
"null"
],
"description": "The highest credit amount extended across all credit accounts",
"source": "$root.total_amount_high_credit"
},
"revolving_amount_credit_limit": {
"type": [
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"null"
],
"description": "The total credit limit on revolving credit accounts",
"source": "$root.revolving_amount_credit_limit"
},
"revolving_amount_percent_available_credit": {
"type": [
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],
"description": "The percentage of available credit that has been utilized in revolving credit accounts",
"source": "$root.revolving_amount_percent_available_credit"
},
"revolving_amount_current_balance": {
"type": [
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],
"description": "The current owed balance on revolving credit accounts",
"source": "$root.revolving_amount_current_balance"
},
"revolving_amount_monthly_payment": {
"type": [
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"description": "Minimum amount the borrower is required to pay each month to maintain the account in good standing",
"source": "$root.revolving_amount_monthly_payment"
},
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"description": "The highest credit amount that has been extended to the borrower in revolving credit accounts",
"source": "$root.revolving_amount_high_credit"
},
"closed_with_balance_amount_current_balance": {
"type": [
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],
"description": "The current balance of closed credit accounts",
"source": "$root.closed_with_balance_amount_current_balance"
},
"closed_with_balance_amount_monthly_payment": {
"type": [
"number",
"null"
],
"description": "The monthly payment amount for closed credit accounts (loans)",
"source": "$root.closed_with_balance_amount_monthly_payment"
},
"AGG101": {
"type": [
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"null"
],
"description": "Aggregate non-mortgage balances for month 1",
"source": "$root.AGG101"
},
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],
"description": "Aggregate non-mortgage balances for month 2",
"source": "$root.AGG102"
},
"AT09S": {
"type": [
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],
"description": "Number of trades opened in past 24 months",
"source": "$root.AT09S"
},
"AT20S": {
"type": [
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],
"description": "Months since oldest trade opened",
"source": "$root.AT20S"
},
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],
"description": "Percentage of open trades > 75% of credit line verified in past 12 months",
"source": "$root.AT31S"
},
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"null"
],
"description": "Non-mortgage balance magnitude",
"source": "$root.BALMAG01"
},
"BC21S": {
"type": [
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"null"
],
"description": "Months since most recent credit card trade opened",
"source": "$root.BC21S"
},
"PAYMNT10": {
"type": [
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"null"
],
"description": "Number of payments in the last quarter",
"source": "$root.PAYMNT10"
},
"REV83": {
"type": [
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],
"description": "Months since a revolving account last exceeded 75% utilization",
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},
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"type": [
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],
"description": "Number of unsecured installment trades",
"source": "$root.US01S"
},
"monthly_income": {
"type": [
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],
"description": "Monthly income for pti calculation",
"source": "$root.monthly_income"
},
"total_amount_monthly_payment": {
"type": [
"number",
"null"
],
"description": "The total amount of monthly payments across all credit accounts for pti calculation",
"source": "$root.total_amount_monthly_payment"
},
"internal_monthly_payment": {
"type": [
"number",
"null"
],
"description": "If loan provided by Kiwi, expected monthly payment",
"source": "$root.internal_monthly_payment"
}
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}
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"description": "External + internal monthly payment to income ratio"
},
"score_results": {
"type": [
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"null"
],
"description": "TransUnion score"
},
"revolving_amount_monthly_payment": {
"type": [
"number",
"null"
],
"description": "Minimum amount the borrower is required to pay each month to maintain the account in good standing"
},
"AT31S": {
"type": [
"integer",
"null"
],
"description": "Percentage of open trades > 75% of credit line verified in past 12 months"
},
"total_amount_high_credit": {
"type": [
"number",
"null"
],
"description": "The highest credit amount extended across all credit accounts"
},
"AT20S": {
"type": [
"integer",
"null"
],
"description": "Months since oldest trade opened"
},
"BALMAG01": {
"type": [
"number",
"null"
],
"description": "Non-mortgage balance magnitude"
},
"record_counts_revolving_trade_count": {
"type": [
"integer",
"null"
],
"description": "Records in the database related to revolving trade accounts (a credit card account)"
},
"PAYMNT10": {
"type": [
"number",
"null"
],
"description": "Number of payments in the last quarter"
},
"closed_with_balance_amount_current_balance": {
"type": [
"number",
"null"
],
"description": "The current balance of closed credit accounts"
},
"REV83": {
"type": [
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"null"
],
"description": "Months since a revolving account last exceeded 75% utilization"
},
"AGG102": {
"type": [
"number",
"null"
],
"description": "Aggregate non-mortgage balances for month 2"
},
"BC21S": {
"type": [
"integer",
"null"
],
"description": "Months since most recent credit card trade opened"
},
"record_counts_total_trade_count": {
"type": [
"integer",
"null"
],
"description": "Total number of trade-related (transaction) records"
},
"revolving_amount_current_balance": {
"type": [
"number",
"null"
],
"description": "The current owed balance on revolving credit accounts"
},
"total_amount_current_balance": {
"type": [
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"null"
],
"description": "The total current balance across all credit accounts"
},
"revolving_amount_high_credit": {
"type": [
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"null"
],
"description": "The highest credit amount that has been extended to the borrower in revolving credit accounts"
},
"US01S": {
"type": [
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"null"
],
"description": "Number of unsecured installment trades"
},
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"type": [
"number",
"null"
],
"description": "Aggregate non-mortgage balances for month 1"
},
"closed_with_balance_amount_monthly_payment": {
"type": [
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"null"
],
"description": "The monthly payment amount for closed credit accounts (loans)"
},
"revolving_amount_credit_limit": {
"type": [
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"null"
],
"description": "The total credit limit on revolving credit accounts"
},
"revolving_amount_percent_available_credit": {
"type": [
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"null"
],
"description": "The percentage of available credit that has been utilized in revolving credit accounts"
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],
"description": "Number of trades opened in past 24 months"
}
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"description": "Records in the database related to revolving trade accounts (a credit card account).",
"source": "$root.record_counts_revolving_trade_count"
},
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"type": [
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],
"description": "Total number of trade-related (transaction) records.",
"source": "$root.record_counts_total_trade_count"
},
"score_results": {
"type": [
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],
"description": "TransUnion score.",
"source": "$root.score_results"
},
"total_amount_high_credit": {
"type": [
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"null"
],
"description": "The highest credit amount extended across all credit accounts.",
"source": "$root.total_amount_high_credit"
},
"revolving_amount_credit_limit": {
"type": [
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"null"
],
"description": "The total credit limit on revolving credit accounts.",
"source": "$root.revolving_amount_credit_limit"
},
"revolving_amount_percent_available_credit": {
"type": [
"number",
"null"
],
"description": "The percentage of available credit that has been utilized in revolving credit accounts.",
"source": "$root.revolving_amount_percent_available_credit"
},
"revolving_amount_current_balance": {
"type": [
"number",
"null"
],
"description": "The current owed balance on revolving credit accounts.",
"source": "$root.revolving_amount_current_balance"
},
"revolving_amount_monthly_payment": {
"type": [
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"null"
],
"description": "Minimum amount the borrower is required to pay each month to maintain the account in good standing.",
"source": "$root.revolving_amount_monthly_payment"
},
"revolving_amount_high_credit": {
"type": [
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"null"
],
"description": "The highest credit amount that has been extended to the borrower in revolving credit accounts.",
"source": "$root.revolving_amount_high_credit"
},
"closed_with_balance_amount_current_balance": {
"type": [
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"null"
],
"description": "The current balance of closed credit accounts.",
"source": "$root.closed_with_balance_amount_current_balance"
},
"closed_with_balance_amount_monthly_payment": {
"type": [
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"null"
],
"description": "The monthly payment amount for closed credit accounts (loans).",
"source": "$root.closed_with_balance_amount_monthly_payment"
},
"AGG101": {
"type": [
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"null"
],
"description": "Aggregate non-mortgage balances for month 1.",
"source": "$root.AGG101"
},
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"type": [
"number",
"null"
],
"description": "Aggregate non-mortgage balances for month 2.",
"source": "$root.AGG102"
},
"AT09S": {
"type": [
"integer",
"null"
],
"description": "Number of trades opened in the past 24 months.",
"source": "$root.AT09S"
},
"AT20S": {
"type": [
"integer",
"null"
],
"description": "Months since the oldest trade opened.",
"source": "$root.AT20S"
},
"AT31S": {
"type": [
"integer",
"null"
],
"description": "Percentage of open trades > 75% of credit line verified in the past 12 months.",
"source": "$root.AT31S"
},
"BALMAG01": {
"type": [
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"null"
],
"description": "Non-mortgage balance magnitude.",
"source": "$root.BALMAG01"
},
"BC21S": {
"type": [
"integer",
"null"
],
"description": "Months since the most recent credit card trade opened.",
"source": "$root.BC21S"
},
"PAYMNT10": {
"type": [
"number",
"null"
],
"description": "Number of payments in the last quarter.",
"source": "$root.PAYMNT10"
},
"REV83": {
"type": [
"number",
"null"
],
"description": "Months since a revolving account last exceeded 75% utilization.",
"source": "$root.REV83"
},
"US01S": {
"type": [
"integer",
"null"
],
"description": "Number of unsecured installment trades.",
"source": "$root.US01S"
},
"monthly_income": {
"type": [
"number",
"null"
],
"description": "User-stated income.",
"source": "$root.monthly_income"
},
"internal_monthly_payment": {
"type": [
"number",
"null"
],
"description": "If loan sanctioned to customer, expected monthly payment to Kiwi.",
"source": "$root.internal_monthly_payment"
},
"installment_amount_monthly_payment": {
"type": [
"number",
"null"
],
"description": "Amount the borrower is required to pay each month on installment loans.",
"source": "$root.installment_amount_monthly_payment"
},
"open_amount_current_balance": {
"type": [
"integer",
"null"
],
"description": "The current owed balance on all open accounts.",
"source": "$root.open_amount_current_balance"
},
"installment_amount_current_balance": {
"type": [
"integer",
"null"
],
"description": "The current owed balance on installment trades/accounts.",
"source": "$root.installment_amount_current_balance"
}
},
"required": []
}
},
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"type": "object",
"properties": {
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],
"description": "External + internal monthly payment to income ratio."
},
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"description": "TransUnion score."
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],
"description": "Non-mortgage balance magnitude."
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"description": "Percentage of open trades > 75% of credit line verified in past 12 months."
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"description": "Months since oldest trade opened."
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"description": "Months since most recent credit card trade opened."
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"description": "The current owed balance on revolving credit accounts."
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"description": "The total current balance across all credit accounts."
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"description": "Months since a revolving account last exceeded 75% utilization."
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"description": "The highest credit amount that has been extended to the borrower in revolving credit accounts."
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],
"description": "The monthly payment amount for closed credit accounts (loans)."
},
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],
"description": "The percentage of available credit that has been utilized in revolving credit accounts."
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],
"description": "Aggregate non-mortgage balances for month 1."
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],
"description": "The total credit limit on revolving credit accounts."
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],
"description": "Number of trades opened in the past 24 months."
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"description": "Number of unsecured installment trades."
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"description": "Number of open bank installment trades.",
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"description": "Total balance of open trades verified in the past 12 months.",
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"description": "Average balance of open trades verified in the past 12 months.",
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"description": "Total credit line of open trades verified in the past 12 months.",
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"description": "Average credit line of open revolving trades verified in the past 12 months.",
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],
"description": "Utilization for open trades verified in the past 12 months (excluding mortgage and home equity)."
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],
"description": "Number of open trades verified in the past 12 months."
},
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"description": "Percentage of available credit utilized in revolving credit accounts."
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"description": "Total credit line of open trades verified in the past 12 months."
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"description": "Total number of trade-related (transaction) records."
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"description": "Records related to revolving trade accounts (e.g., credit card accounts)."
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"description": "Total balance of open trades verified in the past 12 months."
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"description": "Average balance of open trades verified in the past 12 months."
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"description": "Months since the oldest installment trade was opened."
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"description": "Average credit line of open revolving trades verified in the past 12 months."
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"description": "The monthly payment amount for installment credit accounts."
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"description": "Months since most recent 60 or more days past due."
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"description": "The total count of installment trade records (fixed repayment schedules)."
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"description": "Number of open bank revolving trades."
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],
"description": "Aggregate non-mortgage balances for month 3."
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"description": "Number of trades 90 or more days past due in the past 12 months."
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"description": "Number of currently open and satisfactory trades 6 months or older."
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"description": "Number of open bank installment trades."
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],
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},
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],
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"description": "Number of trades opened in past 24 months",
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