التقييم الائتماني

{
  "customer_id": "cus_8xK2mNp",
  "amount": 15000,
  "currency": "TRY",
  "model": "bnpl_eligibility"
}

// Response
{
  "score": 847,
  "decision": "approved",
  "risk_level": "low",
  "factors": ["payment_history", "account_age"],
  "latency_ms": 23
}