mova-credit-scoring

> **Contract Skill** — A ready-to-use MOVA HITL workflow. Requires the `openclaw-mova` plugin. # MOVA Credit Scoring Submit a loan application to MOVA for automated credit risk scoring — with explainable risk band, bureau check, and a mandatory human credit officer decision gate backed by a full audit trail. ## What it does 1. **Risk scoring** — AI evaluates income, debt-to-income ratio, bureau score, and repayment history against the scoring model 2. **Risk band** — applicant assigned a risk band (excellent / good / fair / poor / very_poor) with score 0–1000 3. **Credit limit recommendation** — AI suggests approved amount based on risk band and requested amount 4. **Human gate** — credit officer reviews the scoring breakdown and chooses: approve / approve at reduced limit / reject / request more info 5. **Audit receipt** — model version, all input features, the human identity, and the decision timestamp are logged for regulatory accountability **Mandatory escalation rules enforced by policy:** - Risk band poor or very_poor → mandatory human review, cannot auto-approve - Requested amount above threshold → always routes to human gate - Bureau score missing or frozen → request_info required, no auto-decision ## Requirements **Plugin:** MOVA OpenClaw plugin must be installed in your OpenClaw workspace. **Data flows:** - Applicant ID + financial data → `api.mova-lab.eu` (MOVA platform, EU-hosted) - Financial features → credit scoring model (server-side, read-only) - Applicant ID → credit bureau (read-only, no data stored) - Audit journal → MOVA R2 storage, signed - No data sent to third parties beyond the above ## Demo **Step 1 — Application submitted: APP-2026-0041, €25K, bureau score 612**  **Step 2 — AI scoring: risk band fair, DTI 0.017, approve_reduced recommended at €5K**  **Step 3 — Decision recorded: approve_reduced + audit receipt**  ## Quick start Say "score credit application APP-2026-0041 for applicant CUST-1501" and provide: ``` applicant_id: CUST-1501 application_id: APP-2026-0041 requested_amount_eur: 25000 annual_income_eur: 48000 monthly_debt_eur: 800 bureau_score: 610 employment_status: employed ``` The agent submits the application, shows the AI risk band and score breakdown, then asks for the credit officer's decision. ## Why contract execution matters - **Scoring rules are policy, not prompts** — poor risk bands and high amounts trigger mandatory gates that cannot be bypassed - **Full explainability** — every contributing factor (income, debt ratio, bureau score) is surfaced with its weight - **Immutable audit trail** — when a regulator or applicant challenges a rejection, the complete scoring chain with timestamps is in the system - **EU AI Act / CRD VI / EBA GL ready** — credit decisions are high-risk AI outputs requiring human oversight, explainability, and a documented decision chain ## What the user receives | Output | Description | |--------|-------------| | Credit score | 0–1000 numerical score | | Risk band | excellent / good / fair / poor / very_poor | | Debt-to-income ratio | Calculated from input data | | Bureau result | Bureau score + credit history summary | | Anomaly flags | high_dti, low_bureau_score, short_history, missing_bureau | | Findings | Structured list with severity codes | | Recommended credit limit | AI-suggested approved amount | | Recommended action | AI-suggested decision | | Decision options | approve / approve_reduced / reject / request_info | | Audit receipt ID | Permanent signed record of the credit decision | | Compact journal | Full event log: scoring → bureau check → human decision | ## When to trigger Activate when the user: - Mentions an application ID or loan request (e.g. "APP-2026-0041") - Says "score credit", "credit assessment", "loan decision", "assess borrower", "credit risk review" - Provides applicant financial data for a lending decision **Before starting**, confirm: "Submit application [APP-ID] for MOVA credit scoring?" If applicant ID or requested amount is missing — ask once. ## Step 1 — Submit loan application Call tool `mova_hitl_start_credit` with: - `application_id`: application reference (e.g. APP-2026-0041) - `applicant_id`: customer/borrower ID - `requested_amount_eur`: loan amount requested - `annual_income_eur`: applicant annual income - `monthly_debt_eur`: existing monthly debt obligations - `bureau_score`: credit bureau score (optional) - `employment_status`: employed / self_employed / unemployed / retired - `loan_purpose`: optional (mortgage, personal, auto, business) ## Step 2 — Show scoring result and decision options If `status = "waiting_human"` — show risk scoring summary and ask to choose: ``` Application: APP-ID Applicant: CUST-ID Score: SCORE / 1000 (RISK_BAND) DTI ratio: DTI% Bureau score: BUREAU_SCORE Recommended limit: EUR AMOUNT Findings: [list with severity] Recommended action: ACTION ← RECOMMENDED ``` | Option | Description | |---|---| | `approve` | Approve at requested amount | | `approve_reduced` | Approve at reduced credit limit | | `reject` | Reject application | | `request_info` | Request additional financial information | Call tool `mova_hitl_decide` with: - `contract_id`: from the response above — this is `ctr-crd-xxxxxxxx`, NOT the application ID - `option`: chosen decision - `reason`: credit officer reasoning ## Step 3 — Show audit receipt Call tool `mova_hitl_audit` with `contract_id`. Call tool `mova_hitl_audit_compact` with `contract_id` for the full signed scoring chain. ## Connect your real credit systems By default MOVA uses a sandbox mock. To route scoring against your live infrastructure, call `mova_list_connectors` with `keyword: "credit"`. Relevant connectors: | Connector ID | What it covers | |---|---| | `connector.credit.scoring_model_v1` | Internal credit scoring model | | `connector.credit.bureau_v1` | External credit bureau score and history | Call `mova_register_connector` with `connector_id`, `endpoint`, optional `auth_header` and `auth_value`. ## Rules - NEVER make HTTP requests manually - NEVER invent or simulate credit scores — if a tool call fails, show the exact error - Use MOVA plugin tools directly — do NOT use exec or shell - CONTRACT_ID is `ctr-crd-xxxxxxxx` from the mova_hitl_start_credit response — NOT the application ID