{ "base_spreads": { "tier_1": 10, // major currencies (bps) "tier_2": 20, // ILS "tier_3": 30, // emerging markets "non_trading_hours": 50 // weekends & holidays }, "guardrails": { "max_widen_bps": 25, // max increase "max_tighten_bps": -15, // max decrease "min_confidence": 0.50, // below this = no change "risk_flag_action": "alert_only" }, "webhook_url": "https://your-platform.com/webhooks/optimizer" }

{ "transaction_id": "tx_8f3a2b1c", // dedup key "client_id": "cli_anon_4821", // anonymous hash "timestamp": "2026-03-22T14:32:00Z", "amount": 25000.00, "currency_from": "EUR", "currency_to": "ILS", "deal_type": "payout", // payout|payin|exchange|hedge "spread_charged": 0.0045, // markup applied (45bps) "channel": "api", // api|dashboard "settlement": "T+1", // same_day|T+1|T+2 "beneficiary_country": "IL" // ISO 3166-1 alpha-2 }

{ "transactions": [ { "transaction_id": "tx_001", "client_id": "cli_anon_4821", ... }, { "transaction_id": "tx_002", "client_id": "cli_anon_4821", ... }, // up to 10,000 per request ] }

// Response { "client_id": "cli_anon_4821", "adjustment_bps": 12, // positive = widen, negative = tighten "direction": "widen", // widen|tighten|hold "confidence": 0.87, // 0-1, below 0.5 = insufficient data "base_spread_bps": 45, // your configured base "recommended_spread_bps": 57, // base + adjustment = final spread "signals_active": 3, // signals firing for this client "ttl_seconds": 300, // cache this for 5 min "fallback": false // true = not enough history }

// Response { "client_id": "cli_anon_4821", "overall_score": 73, "dimensions": { "price_sensitivity": 18, "volume_value": 72, "behavioral_pattern": 81, "corridor_complexity": 65, "risk_profile": 22 }, "active_signals": [ 1, 6, 9, 14, 21 ], "risk_flags": [], "monthly_trend": { "volume": "growing", "margin": "stable" } }

// Response { "period": "2026-03", "total_volume": 67400000, "revenue_captured": 284000, "revenue_on_table": 47000, "avg_margin_bps": 42, "optimal_margin_bps": 51, "clients_underpriced": 89, "clients_overpriced": 34, "clients_optimal": 189, "risk_flags_active": 7, "active_clients": 312 }

// Lock a client at a fixed adjustment { "action": "lock", // lock|unlock "adjustment_bps": 0, // fixed value while locked "reason": "Strategic client - manual pricing" }

// All fields optional - unlocks Enhanced Tier signals { "risk_tier": "enhanced", "products_active": ["wallets", "payments", "fx", "hedging"], "has_negotiated": false, "has_committed_volume": true, "avg_balance_usd": 250000, "is_referrer": false, "has_limit_orders": false }

{ "status": "healthy", "uptime": "99.97%", "latency_ms": { "p50": 8, "p99": 23, "p999": 47 } }