Data Model

Reference documentation for the transaction schema, signal definitions, reason code taxonomy, and all response fields.

Transaction object

Each item in the transactions array must conform to this schema:

{
  "date": "YYYY-MM-DD",          // Required. ISO 8601 date
  "amount": -850.00,            // Required. Signed decimal. Negative=debit, positive=credit
  "category": "string",         // Required. See category taxonomy below
  "recurrence": true,           // Required. Boolean. true if recurring series
  "description": "string",      // Optional. Raw transaction description
  "nsf_flag": false             // Optional. true if NSF/return event
}

Category taxonomy

The category field must be one of the following values. If using Plaid or MX as your data source, the Lendiro SDK handles category mapping automatically.

Category	Description	Signal impact
payroll	Direct deposit payroll income	income_consistency (primary)
income_other	Non-payroll income (gig, freelance, transfers)	income_consistency
rent	Monthly rent payment	expense_discipline, payment_reliability
mortgage	Mortgage payment	expense_discipline, payment_reliability
utilities	Electricity, gas, water, internet	expense_discipline, payment_reliability
insurance	Auto, health, renters insurance	expense_discipline, payment_reliability
subscription	Recurring subscription services	payment_reliability
transfer_out	Account-to-account transfer (outflow)	liquidity_cushion context
transfer_in	Account-to-account transfer (inflow)	income_consistency context
atm_withdrawal	ATM cash withdrawal	liquidity_cushion
grocery	Grocery purchases	expense_discipline context
other_debit	All other debit transactions	expense_discipline context
nsf_fee	NSF / overdraft fee	liquidity_cushion (negative), payment_reliability (negative)

Signal definitions

All signal scores are normalized to a 0.0–1.0 range. Higher is stronger.

Signal	Measures	Primary inputs
income_consistency	Regularity and stability of income inflows over the lookback window	payroll, income_other — frequency, regularity, magnitude stability
expense_discipline	Fixed-obligation coverage ratio and trend	rent, mortgage, utilities, insurance — relative to income inflows
liquidity_cushion	Minimum balance at end-of-cycle low points; NSF frequency	Account balance snapshots at pre-deposit low points; nsf_fee events
payment_reliability	Longest uninterrupted recurring outflow streak	rent, utilities, subscription — consecutive months without interruption or NSF

Reason code reference

Code	Plain-English Statement	Reg B Category
CF-01	Insufficient length of income history	Insufficient credit history
CF-02	Income inconsistency over the analysis period	Temporary or irregular employment
CF-03	High ratio of fixed obligations to income	Delinquent past or present credit obligations
CF-04	Insufficient evidence of recurring income	Insufficient credit history
CF-05	Low average minimum balance at cycle low points	Insufficient income
CF-06	Presence of non-sufficient funds events	Delinquent past or present credit obligations
CF-07	Interrupted recurring payment pattern	Delinquent past or present credit obligations
CF-08	Insufficient transaction history provided	Insufficient credit history