{"ok":true,"api":"BuildPaid Lender Credit API","version":"1.0.0","description":"Governance-native credit intelligence for construction lenders. Query any entity by name or EIN to get a full governance credit report — no financial history required.","authentication":"Set x-buildpaid-api-key header with your API key","endpoints":{"POST ?action=score":"Get governance credit report for an entity. Body: { entity: \"Company Name\" }","POST ?action=portfolio":"Get credit scores for all governed entities.","POST ?action=verify":"Run SAM.gov verification for an entity. Body: { entity: \"Company Name\" }","POST ?action=history":"Get governance event timeline for an entity. Body: { entity: \"Company Name\", limit: 50 }","POST ?action=eligibility":"Get PRAL recommendation, eligible payment rails, marketplace access, and credit improvement suggestions. Body: { entity: \"Company Name\" }","POST ?action=usage":"Check your API key usage and rate limit status."},"response_schema":{"entity":"Entity name","credit":{"composite_score":"0-100","grade":"A/B/C/D/F","dimensions":"6-dimension breakdown"},"behavioral":{"state":"BAGE FSM state","last_assessed":"timestamp"},"conflicts":{"active_conflicts":"count","status":"CLEAR or CONFLICTS_PRESENT"},"remediation":{"velocity":"RESPONSIVE/PARTIAL/NON_RESPONSIVE/NO_VIOLATIONS"},"sam_gov":{"registration":"active/inactive","exclusions":"clear/excluded"},"provenance_hash":"SHA-256 hash of this report"},"rate_limit":"100 requests/day per API key","credit_report_pdf":"GET /api/credit-report-pdf?entity=NAME&key=YOUR_KEY — Printable governance credit report","mesh_ledger":"GET /mesh-ledger.html — Read-only auditable governance event ledger","methodology":"GET /compliance-methodology.html — Scoring methodology and bias analysis","sdk":"GET /sdk/buildpaid.js — Drop-in JavaScript SDK for lender integration","contact":"sean@buildpaid.ai","patent":"Patent Pending — 66 applications filed, 1,266+ claims"}