Belvo's Risk Insights endpoint exposes a set of features that can be used to improve your company's credit risk and opportunity decisions.
This set of features can be used as building blocks to create or iterate on your credit score using transactional banking data to improve the predictive power of your models. You can use these components as you require and make the most sense for your specific use case.
We take up to 365 days of transactional data from the user's checking, savings, loans, and credit card accounts to calculate the risk insights. We perform calculations on this set of transactions and provide aggregate metrics in the following periods: three days, one week, one month, three months, six months, and twelve months.
Note: Categorized transaction metrics period
At present, for our categorized transaction metrics (
category_metrics) we only supply the calculated totals for the last three months.
Getting the account currency
If you need to know the currency of the account, make a GET Details request to the Accounts endpoint (using the account ID you receive in the accounts array of the response).