Risk Tape v1 — Schema Reference

Full schema: risk-tape-v1.json

Obligor

Field	Type	Required	Tier	Description
obligor_id	string	yes	A	Creator/obligor identifier
legal_name	string | null	no	—	Person or company name
jurisdiction	string (2 chars)	yes	A	ISO 3166-1 alpha-2 country code
entity_type	enum	yes	A	individual, self_employed, or company
kyc_status	enum	yes	A	unverified, in_review, or verified
creator_vertical	string | null	no	—	Content vertical (optional)
creator_size_band	string | null	no	—	Audience size band (optional)
created_at	date-time | null	no	—	Record creation timestamp
updated_at	date-time | null	no	—	Last update timestamp

Platform Connection

Field	Type	Required	Tier	Description
platform	enum	yes	—	youtube, twitch, patreon, tiktok, meta, substack, medium, stripe, shopify, gumroad, other
handle_or_channel_id	string | null	no	—	Platform-specific identifier
role	enum	yes	—	income (revenue-grade) or signal (engagement only)
data_quality	enum	yes	—	verified_income, strong_proxy, or signal_only
oauth_scope	string | null	no	—	OAuth scopes granted by the creator
consent_status	enum	yes	—	active, revoked, expired, or not_required
first_sync_at	date-time	yes	—	First successful data sync
last_sync_at	date-time	yes	—	Most recent data sync
nd_code	enum	no	—	ND1–ND4 if metrics unavailable

Cashflow Summary

Field	Type	Required	Tier	Description
currency	string (3 chars)	yes	A	ISO 4217 currency code (e.g. EUR)
track_record_months	integer ≥ 0	yes	A	Months with usable revenue data (capped at 36)
income_30d	number | null	yes	A	Total gross income, last 30 days
income_90d	number | null	yes	A	Total gross income, last 90 days
revenue_monthly	array	no	—	Monthly gross revenue history (up to 24 months)
revenue_monthly[].month	string	yes	—	YYYY-MM format
revenue_monthly[].gross_amount	number | null	no	—	Gross revenue for the month
revenue_monthly[].nd_code	enum	no	—	ND1–ND4 if amount is missing
offplatform_share_pct	number 0–1 | null	no	—	Share of income from off-platform PSPs

Risk Profile

Field	Type	Required	Tier	Description
risk_version	string	yes	—	Risk calc method version (e.g. rp_1.0.0)
avg_monthly_revenue	number | null	yes	A	Mean monthly gross revenue (last 12m)
median_monthly_revenue	number | null	yes	—	Median monthly gross revenue (last 12m)
yoy_growth_pct	number | null	no	—	Year-over-year growth (requires 24m)
volatility_cv_12m	number ≥ 0 | null	yes	A	Coefficient of variation (last 12m)
seasonality_index	number ≥ 0 | null	no	—	Peak-to-trough seasonality ratio
platform_concentration_index	number 0–1 | null	yes	A	HHI across platforms
top_platform	string | null	no	—	Platform with highest revenue share
top_platform_share	number 0–1 | null	yes	A	Revenue share of top platform
max_drawdown_pct_36m	number 0–1 | null	yes	A	Worst peak-to-trough decline
time_to_recovery_months	integer ≥ 0 | null	no	—	Months to recover from worst drawdown
dispute_rate	number 0–1 | null	yes	B	Share of disputed cash flows (12m)
missed_contract_rate	number 0–1 | null	no	—	Share of missed contract cash flows
high_risk_platform_flag	boolean	no	—	Reliant on structurally higher-risk platform
platform_dependency_flag	boolean	no	—	true if top_platform_share ≥ 0.7
track_record_months	integer ≥ 0	yes	A	Months of usable revenue used in metrics

Eligibility Decision

Field	Type	Required	Tier	Description
product_type	enum	yes	—	rbf, term_loan, or securitization_pool
institution_ref	string | null	no	—	Lender identifier (optional)
eligible	boolean	yes	A	Whether the creator qualifies
risk_tier	enum	yes	A	prime, standard, subprime, or ineligible
max_advance_amount	number ≥ 0 | null	no	A	Maximum advance in tape currency
max_revenue_share_pct	number 0–1 | null	no	A	Max monthly revenue share for RBF
max_tenor_months	integer ≥ 0 | null	no	—	Maximum tenor (term loans)
payback_cap_multiple	number ≥ 0 | null	no	A	Total repayment cap (e.g. 1.3 = 130%)
dscr_stressed	number ≥ 0 | null	no	—	Stressed debt service coverage ratio
covenants	string[]	no	—	Covenant conditions in plain language
flags	string[]	no	—	Machine-readable flags

Data Quality

Field	Type	Required	Tier	Description
overall_score	integer 0–100	yes	A	Completeness + ND usage + consistency
nd_breakdown	object	yes	—	Count of ND1–ND4 usages across the tape
nd_breakdown.ND1	integer ≥ 0	yes	—	Not applicable
nd_breakdown.ND2	integer ≥ 0	yes	—	Not collected
nd_breakdown.ND3	integer ≥ 0	yes	—	Not available for this obligor
nd_breakdown.ND4	integer ≥ 0	yes	—	Not disclosed
mandatory_fields_missing	string[]	no	—	Tier A fields that could not be populated
quality_flags	string[]	no	—	Qualitative flags (e.g. short_track_record)
blocking_validation_failed	boolean	no	—	true if JSON schema validation failed

Field Tiers

• Tier A — Mandatory for any lending decision. Must be present for data_quality.overall_score to reach 70+.
• Tier B — Important but can degrade gracefully via ND codes.
• Untiered — Informational / optional.