Exploratory Feature
GRACE API
While GRACE is currently a standalone analytical platform, an API interface is under active exploration. The goal is to allow secure, programmatic access to GRACE’s deterministic and probabilistic engines—enabling seamless integration into underwriting systems, portfolio management dashboards, and custom recovery workflows.
Why an API?
Organizations could benifit from embedding GRACE's logic directly into their own systems. A future GRACE API could enable:
Real-time Risk Scoring: Submit loan data at the moment of default to get an immediate, calculated risk profile and workout comparison.
Custom Automation: Build custom triggers and workflows for high-volume portfolios, automatically flagging accounts that are prime candidates for a GRACE-approved workout.
Hypothetical Usage
Below is a conceptual example of how a request to a future /analyze endpoint might look.
{
"loan_id": "FP-1138",
"balance": 150000.00,
"oot_value": 35000.00,
"delta_exposure": 25000.00
}Current Status
The GRACE API is not yet available but is under active internal evaluation. We are currently working to determine which endpoints provide maximum value, what guardrails are necessary, and how to balance access with intellectual property protection.