{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://wallet-profile-orpin.vercel.app/schemas/lenderScreenResult.schema.json",
  "title": "LenderScreenResult",
  "description": "Lender underwriting result returned by OnFRA (trustworthiness, reputation, income, and loan capacity).",
  "type": "object",
  "required": [
    "status",
    "walletAddress",
    "screenedAt",
    "trust",
    "scores",
    "income",
    "lending",
    "verification",
    "cached",
    "x402Billing"
  ],
  "properties": {
    "status": {
      "type": "string",
      "enum": ["completed"]
    },
    "walletAddress": {
      "type": "string",
      "pattern": "^0x[a-fA-F0-9]{40}$"
    },
    "screenedAt": {
      "type": "string",
      "format": "date-time"
    },
    "trust": {
      "type": "object",
      "required": ["isTrustworthy"],
      "properties": {
        "isTrustworthy": { "type": "boolean" }
      },
      "additionalProperties": false
    },
    "recommendation": {
      "type": "string",
      "enum": ["approve", "review", "decline"]
    },
    "recommendationRationale": {
      "type": "string"
    },
    "scores": {
      "type": "object",
      "required": ["financialHealth", "reputation", "reputationCategory"],
      "properties": {
        "financialHealth": { "type": "number", "minimum": 0, "maximum": 100 },
        "reputation": { "type": "number", "minimum": 0, "maximum": 100 },
        "reputationCategory": { "type": "string" }
      }
    },
    "income": {
      "type": "object",
      "properties": {
        "label": { "type": "string" },
        "monthlyEstimateUsd": { "type": "number" },
        "weeklyConsistencyPct": { "type": "number" },
        "recurringIncome": { "type": "boolean" },
        "threeMonthInflowUsd": { "type": "number" },
        "threeMonthOutflowUsd": { "type": "number" },
        "threeMonthNetFlowUsd": { "type": "number" }
      }
    },
    "lending": {
      "type": "object",
      "properties": {
        "recommendedMinUsd": { "type": "number" },
        "recommendedMaxUsd": { "type": "number" },
        "confidence": { "type": "string" },
        "riskCategory": { "type": "string" },
        "stablecoinBalanceUsd": { "type": "number" },
        "walletAgeMonths": { "type": "number" }
      }
    },
    "signals": {
      "type": "object",
      "properties": {
        "positive": { "type": "array", "items": { "type": "string" } },
        "concerns": { "type": "array", "items": { "type": "string" } }
      }
    },
    "whatLendersAlreadySee": {
      "type": "object",
      "description": "Data lenders can already read from chain — collateral, balances, tx count."
    },
    "whatOnfraAdds": {
      "type": "object",
      "description": "Signals OnFRA derives that traditional underwriting lacks for wallet-native borrowers."
    },
    "verification": {
      "type": "object",
      "properties": {
        "hasOnchainPassport": { "type": "boolean" },
        "reportId": { "type": ["string", "null"] },
        "verifyUrl": { "type": ["string", "null"] },
        "onchainReporterContract": { "type": "string" }
      }
    },
    "cached": { "type": "boolean" },
    "x402Billing": {
      "type": "object",
      "properties": {
        "chargedUsdt": { "type": "string" },
        "token": { "type": "string" },
        "chain": { "type": "string" },
        "payer": { "type": "string" }
      }
    }
  },
  "additionalProperties": true
}