frigate-global/financial-risk-api

Deploy 5b66a71: Surface counterparty diagnostics; write the Frigate integration handoff

Deploy d12ef1c: Return 503 from key verification when the key store is unreachable

Deploy 193667e: Accept RFC-3339 timestamps, merge merchant_name, return 503 on datastore outage

Deploy 3429bb9: Read the counterparty, not just the amount: provider-level transaction analysis

Deploy 820ac93: Hash stored API keys; migrate existing ones in place

Deploy a06f994: Detect other lenders in the transaction feed; measure what "looks healthy" is worth

Deploy ba06f48: Add Data Fusion "Default": real transactions with real credit outcomes, and it does not support the earlier optimism

Deploy 257b421: Add GiveMeSomeCredit: 150,000 real borrowers, 10,026 real distress events

Deploy 1a8c5d7: Retrain on the 11 validated features; ranking on real data is no longer inverted

Deploy b93d344: Add smoke tests, pin dependencies, align the container with the pickles

Deploy a8d0917: Add a 12-month delinquency ladder, validated on 6,636 real defaults

Deploy 5b6df4f: Add UCI Taiwan benchmark: 30,000 clients, 6,636 real defaults

Deploy 1ca0ab2: Real-outcome scorecard: 0.854 AUC, 6.2x decile lift, calibrated

Deploy 58510e6: Add balance-trajectory features: +0.16 AUC on real adjudicated outcomes

Deploy fcfc762: Validate against real loan outcomes; the synthetic metrics did not survive

Deploy 07c02ae: Make the model defensible: state transitions, monotonic constraints, log-odds penalties

Deploy ca5c7a6: Ignore SQLite WAL/SHM sidecars

Deploy 0aa0350: Promote UK-only model trained on a realistic corpus

Deploy 9bc6d41: Fix two silent failures: numpy id binding and NaN OOD threshold

Deploy 145e7d4: Run without a database when only scoring is needed

Fix default label to use the worst episode, and consolidate at snapshot time

Production hardening: real calibration, request limits, logging, unified policy

Add stateless payload scoring: POST /score

Fix scoring engine: restore ML path, remove synthetic ensemble, secure key issuance

Support NumPy types in PostgreSQL adapter

Optimize database queries to batch inserts/updates and resolve API timeouts

Remove temporary diagnostic endpoint

Fix baseline stress probability scaling divisor bug

Add temporary diagnostic endpoint to api.py

Fix PostgreSQL boolean comparison mismatch in sqlite3 wrapper

Update health endpoint to test database connection directly

Expose executescript on Connection wrapper

Ignore SQLite PRAGMA statements in Postgres mode

Add pre-trained ML models and update ignore rules

Deploy financial risk API to Hugging Face

initial commit