Calculate

Endpoint para calcular pricing baseado em score de credito e parametros do emprestimo.

Endpoint

Método	Endpoint	Descrição	Permissão
POST	/api/v1/calculate	Calcular pricing	PRICING_CALCULATE

Request

Campo	Tipo	Obrigatório	Descrição
productId	string (UUID)	Sim	ID do produto
creditScore	integer	Sim	Score de credito (0-1000)
requestedAmount	number	Sim	Valor solicitado
numberOfInstallments	integer	Sim	Número de parcelas (1-360)
customerId	string (UUID)	Não	ID do cliente
context	object	Não	Contexto adicional para regras de decisão

Response

Campo	Tipo	Descrição
riskBand	object	Faixa de risco aplicada
pricingRule	object	Regra de pricing utilizada
interestRate	number	Taxa de juros final
baseRate	number	Taxa base
rateSpread	number	Spread aplicado
fees	array	Detalhamento das taxas
totalFees	number	Total de taxas
commissions	array	Detalhamento das comissoes
totalCommissions	number	Total de comissoes
insurances	array	Detalhamento dos seguros
totalInsurance	number	Total de premios de seguro
effectiveAnnualRate	number	Taxa efetiva anual (CET)
approved	boolean	Se o pricing foi aprovado
rejectionReason	string	Motivo da rejeicao (se nao aprovado)
decisionTraceId	string	ID do trace do Decision Engine (se aplicável)

---

Calcular Pricing

POST /api/v1/calculate

Calcula o pricing para um emprestimo baseado no score e parametros informados.

cURL

curl -X POST 'https://pricing.stg.catalisa.app/api/v1/calculate' \
  -H 'Authorization: Bearer SEU_TOKEN' \
  -H 'Content-Type: application/json' \
  -d '{
    "data": {
      "type": "pricing-calculations",
      "attributes": {
        "productId": "550e8400-e29b-41d4-a716-446655440000",
        "creditScore": 750,
        "requestedAmount": 10000,
        "numberOfInstallments": 12
      }
    }
  }'

JavaScript

const response = await fetch('https://pricing.stg.catalisa.app/api/v1/calculate', {
  method: 'POST',
  headers: {
    'Authorization': `Bearer ${token}`,
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({
    data: {
      type: 'pricing-calculations',
      attributes: {
        productId: '550e8400-e29b-41d4-a716-446655440000',
        creditScore: 750,
        requestedAmount: 10000,
        numberOfInstallments: 12,
      },
    },
  }),
});

const { data } = await response.json();

if (data.attributes.approved) {
  console.log(`Taxa aprovada: ${(data.attributes.interestRate * 100).toFixed(2)}% a.m.`);
  console.log(`Total de taxas: R$ ${data.attributes.totalFees.toFixed(2)}`);
} else {
  console.log(`Rejeitado: ${data.attributes.rejectionReason}`);
}

Response (200 OK) - Aprovado

{
  "data": {
    "type": "pricing-calculations",
    "attributes": {
      "riskBand": {
        "id": "550e8400-e29b-41d4-a716-446655440001",
        "name": "LOW_RISK",
        "minScore": 700,
        "maxScore": 850
      },
      "pricingRule": {
        "id": "550e8400-e29b-41d4-a716-446655440002",
        "name": "Standard Personal Loan",
        "ruleType": "DB_RULE"
      },
      "interestRate": 0.0199,
      "baseRate": 0.0149,
      "rateSpread": 0.005,
      "fees": [
        {
          "feeType": "REGISTRATION",
          "name": "Taxa de Cadastro",
          "amount": 150.00,
          "calculationMethod": "FIXED",
          "isFinanced": true
        },
        {
          "feeType": "ANALYSIS",
          "name": "Taxa de Analise",
          "amount": 250.00,
          "calculationMethod": "PERCENTAGE_OF_PRINCIPAL",
          "isFinanced": false
        }
      ],
      "totalFees": 400.00,
      "commissions": [
        {
          "commissionType": "SALES",
          "name": "Comissao Vendedor",
          "amount": 150.00
        }
      ],
      "totalCommissions": 150.00,
      "insurances": [
        {
          "insuranceType": "LIFE",
          "name": "Seguro Prestamista",
          "monthlyPremium": 5.00,
          "totalPremium": 60.00
        }
      ],
      "totalInsurance": 60.00,
      "effectiveAnnualRate": 0.2668,
      "approved": true
    }
  }
}

Response (200 OK) - Rejeitado

{
  "data": {
    "type": "pricing-calculations",
    "attributes": {
      "riskBand": null,
      "pricingRule": null,
      "interestRate": 0,
      "baseRate": 0,
      "rateSpread": 0,
      "fees": [],
      "totalFees": 0,
      "approved": false,
      "rejectionReason": "Score abaixo do mínimo aceito para este produto"
    }
  }
}

---

Calculo com Contexto Adicional

Para regras baseadas em Decision Engine, voce pode passar contexto adicional:

const response = await fetch('https://pricing.stg.catalisa.app/api/v1/calculate', {
  method: 'POST',
  headers: {
    'Authorization': `Bearer ${token}`,
    'Content-Type': 'application/json',
  },
  body: JSON.stringify({
    data: {
      type: 'pricing-calculations',
      attributes: {
        productId: 'product-uuid',
        creditScore: 750,
        requestedAmount: 25000,
        numberOfInstallments: 24,
        customerId: 'customer-uuid',
        context: {
          employmentType: 'CLT',
          monthlyIncome: 8000,
          timeAtCurrentJob: 36,
          existingCustomer: true,
        },
      },
    },
  }),
});

O campo context e passado ao Decision Engine para avaliação de regras dinamicas.

---

Exemplo de Fluxo Completo

// Funcao para calcular pricing e exibir detalhes
async function calculateLoanPricing(productId, creditScore, amount, installments) {
  const response = await fetch('https://pricing.stg.catalisa.app/api/v1/calculate', {
    method: 'POST',
    headers: {
      'Authorization': `Bearer ${token}`,
      'Content-Type': 'application/json',
    },
    body: JSON.stringify({
      data: {
        type: 'pricing-calculations',
        attributes: {
          productId,
          creditScore,
          requestedAmount: amount,
          numberOfInstallments: installments,
        },
      },
    }),
  });

  const { data } = await response.json();
  const result = data.attributes;

  if (!result.approved) {
    return {
      approved: false,
      reason: result.rejectionReason,
    };
  }

  // Calcular valores finais
  const principal = amount + (result.fees.filter(f => f.isFinanced).reduce((sum, f) => sum + f.amount, 0));
  const monthlyRate = result.interestRate;

  // PMT = P * [r(1+r)^n] / [(1+r)^n - 1]
  const pmt = principal * (monthlyRate * Math.pow(1 + monthlyRate, installments)) /
              (Math.pow(1 + monthlyRate, installments) - 1);

  return {
    approved: true,
    riskBand: result.riskBand.name,
    monthlyRate: `${(result.interestRate * 100).toFixed(2)}%`,
    effectiveAnnualRate: `${(result.effectiveAnnualRate * 100).toFixed(2)}%`,
    totalFees: result.totalFees,
    monthlyPayment: pmt.toFixed(2),
    totalPayment: (pmt * installments).toFixed(2),
    totalInsurance: result.totalInsurance || 0,
  };
}

// Uso
const pricing = await calculateLoanPricing(
  'product-uuid',
  750,    // score
  10000,  // valor
  12      // parcelas
);

console.log(pricing);
// {
//   approved: true,
//   riskBand: "LOW_RISK",
//   monthlyRate: "1.99%",
//   effectiveAnnualRate: "26.68%",
//   totalFees: 400,
//   monthlyPayment: "932.06",
//   totalPayment: "11184.72",
//   totalInsurance: 60
// }

---

Erros Comuns

Código	Erro	Descrição
400	VALIDATION	Campos obrigatorios ausentes ou inválidos
404	NOT_FOUND	Produto nao encontrado
422	UNPROCESSABLE_ENTITY	Nenhuma risk band ou pricing rule encontrada para os parametros