LiquiLens — the Failure Radar

Read a bank's sourced GNPA/NNPA history, percentage-point changes, distinct PCR definitions, capital scope and disclosed NPA stock reconciliation. SFB and UCB review questions are tailored to their funding and supervisory context. Free; no new score, credit approval or execution authority.

{
  "type": "object",
  "properties": {
    "slug": {
      "type": "string"
    },
    "as_of": {
      "type": "string",
      "format": "date",
      "description": "Optional end-of-day evidence cutoff; YYYY-MM-DD, not in the future."
    },
    "include_history": {
      "type": "boolean",
      "default": false
    }
  },
  "required": [
    "slug"
  ],
  "additionalProperties": false
}

Reconcile a caller-supplied closed NPA movement table: opening stock plus additions less classified reductions equals closing stock. Keeps write-offs, sales, upgrades and cash recoveries distinct. Free arithmetic check; does not authenticate the input or classify individual loans.

{
  "type": "object",
  "properties": {
    "statement": {
      "type": "object",
      "properties": {
        "period_start": {
          "type": "string",
          "format": "date"
        },
        "period_end": {
          "type": "string",
          "format": "date"
        },
        "amount_unit": {
          "type": "string",
          "enum": [
            "INR_crore",
            "INR_lakh",
            "INR",
            "INR_thousand"
          ]
        },
        "opening_gnpa": {
          "type": "number",
          "minimum": 0,
          "maximum": 1000000000000000000
        },
        "additions": {
          "type": "number",
          "minimum": 0,
          "maximum": 1000000000000000000
        },
        "closing_gnpa": {
          "type": "number",
          "minimum": 0,
          "maximum": 1000000000000000000
        },
        "rounding_decimals": {
          "type": "integer",
          "minimum": 0,
          "maximum": 6
        },
        "complete": {
          "type": "boolean"
        },
        "reductions": {
          "type": "array",
          "maxItems": 16,
          "items": {
            "type": "object",
            "properties": {
              "kind": {
                "type": "string",
                "enum": [
                  "cash_recoveries",
                  "upgrades",
                  "write_offs",
                  "asset_sales",
                  "compromise_settlements",
                  "combined_reductions",
                  "other_reductions"
                ]
              },
              "amount": {
                "type": "number",
                "minimum": 0,
                "maximum": 1000000000000000000
              }
            },
            "required": [
              "kind",
              "amount"
            ],
            "additionalProperties": false
          }
        }
      },
      "required": [
        "period_start",
        "period_end",
        "amount_unit",
        "opening_gnpa",
        "additions",
        "closing_gnpa",
        "reductions",
        "complete",
        "rounding_decimals"
      ],
      "additionalProperties": false
    }
  },
  "required": [
    "statement"
  ],
  "additionalProperties": false
}

Discover covered Indian commercial, small finance and urban cooperative banks. Separates observed, stale, historical and absent evidence. Free read-only research; this is not a census or rating.

{
  "type": "object",
  "properties": {
    "sector": {
      "type": "string",
      "enum": [
        "all",
        "bank",
        "sfb",
        "ucb"
      ]
    },
    "as_of": {
      "type": "string",
      "format": "date",
      "description": "Optional end-of-day evidence cutoff; YYYY-MM-DD, not in the future."
    }
  },
  "additionalProperties": false
}

Answers ONE question: is US funding stress reaching nonfinancial firms? Use household_credit_board for households. CP, bank credit lines and real-economy confirmation; cannot_see preserves gaps. Seiche context never enters regime or transmission. Display-only; no institution score or tier. full:true adds methods.

{
  "type": "object",
  "properties": {
    "full": {
      "type": "boolean",
      "description": "also return method_note, thresholds and per-leg basis prose (larger payload); default false",
      "default": false
    }
  },
  "additionalProperties": false
}

Read the compact cited bank/crypto exposure register: disclosed quantum, stablecoin and venue links, exposure channels, Undertow run-risk cross-read and compound flags. Detailed disclosures stay on the public REST detail route. Takes no arguments; display-only, never an institution score or investment advice.

{
  "type": "object",
  "properties": {},
  "additionalProperties": false
}

Read the compact BTC/ETH Crypto Regime board: current change-point state, log-SR statistic, last shift, observation count and the display-only cross-read against disclosed bank exposure. Time-series paths stay on the public REST detail route. Takes no arguments; feeds no institution score and is not investment advice.

{
  "type": "object",
  "properties": {},
  "additionalProperties": false
}

Read seven cited European retrospective case files through unrecalibrated Indian lenses. Named case studies, not a cohort: no European recall percentage to quote. Omit slug for summaries, or supply a returned slug for a full quarterly case file.

{
  "type": "object",
  "properties": {
    "slug": {
      "type": "string",
      "description": "optional kebab-case case-file slug, e.g. 'credit-suisse'; omit for all seven summaries"
    }
  },
  "additionalProperties": false
}

Read the 48-institution Indian construction-PIT crisis diagnostic, including misses and false alarms. Uses publication clocks where present and a +60-day filing-lag proxy otherwise; overwritten amendments are unreconstructable. evidence_institution returns a full replay.

{
  "type": "object",
  "properties": {},
  "additionalProperties": false
}

Read a sourced Indian construction-PIT quarterly replay, lens alert timing and hit/miss/false-alarm verdict. Use evidence_india for exact slugs. Filing-availability proxies do not establish a validated backtest.

{
  "type": "object",
  "properties": {
    "slug": {
      "type": "string",
      "description": "kebab-case slug of a replayed institution, e.g. 'dhfl' or 'global-trust-bank'"
    }
  },
  "required": [
    "slug"
  ],
  "additionalProperties": false
}

Read the historical-evidence headline for each market: India (48-institution construction-PIT diagnostic), United States (industry-wide current-amended-vintage diagnostic), and Europe (named cited case files, deliberately no cohort claim). Takes no arguments. Start here when asked what LiquiLens has tested, then drill into evidence_india, evidence_us or evidence_europe for the full record behind each headline.

{
  "type": "object",
  "properties": {},
  "additionalProperties": false
}

Read US bank current-amended-vintage diagnostics and named replays, including misses. Not a validated point-in-time backtest. Report the quarterly top-decile budgeted watchlist beside recall, uncertainty and lead times; it is not an individual-bank verdict. include_trajectories:true adds histories.

{
  "type": "object",
  "properties": {
    "include_trajectories": {
      "type": "boolean",
      "description": "also return per-quarter score series for the marquee replays (large payload); default false",
      "default": false
    }
  },
  "additionalProperties": false
}

Read fresh-vetted Indian lender rows with failure PDs, disclosure, PCA/SAF, funding and listed-name DD. Scalar market_dd requires tier authority; display-only DD retains clocks and refusal reasons in market_dd_evidence. Discover slugs here, then failure_radar_institution. Research screen, not a credit rating.

{
  "type": "object",
  "properties": {},
  "additionalProperties": false
}

Read one Indian lender dossier: quarterly PDs and drivers, PCA/SAF headroom, funding, forensic and listed-market evidence. Discover slugs with failure_radar_board. Uncovered institutions remain absent, never scored from memory.

{
  "type": "object",
  "properties": {
    "slug": {
      "type": "string",
      "description": "kebab-case institution slug from a failure_radar_board row, e.g. 'esaf-sfb'"
    }
  },
  "required": [
    "slug"
  ],
  "additionalProperties": false
}

Read counted Markov transitions and empirical 5/20-day reach odds. Odds are withheld until 60 observed days; counts stay visible and absence is never precision. Historical frequencies are not calibrated forecasts. Display-only, never a state driver.

{
  "type": "object",
  "properties": {},
  "additionalProperties": false
}

Answers ONE question: is stress reaching US household credit? Use corporate_transmission_board for firms. Delinquency, charge-offs, revolving credit and unscored debt-service context; gaps stay in cannot_see. Display-only; no institution score or watchlist tier. full:true adds methods and histories.

{
  "type": "object",
  "properties": {
    "full": {
      "type": "boolean",
      "description": "also return method_note, thresholds, labels and full sparklines (larger payload); default false",
      "default": false
    }
  },
  "additionalProperties": false
}

Build a compact cited human review packet from canonical fresh-vetted Indian radar records. Exact slug or uniquely normalized full name only; no fuzzy matching or new score. Preserves stale/dark gaps and validation hashes. Its content hash detects alteration; it is not attestation or a publication-time proof.

{
  "type": "object",
  "properties": {
    "institution": {
      "type": "string",
      "description": "exact Failure Radar slug or full institution name"
    }
  },
  "required": [
    "institution"
  ],
  "additionalProperties": false
}

Read today's exact full-text LiquiLens editorial: current institution-risk analysis when the evidence moved, or a labelled historical replay when it did not. Returns the canonical headline, dek, Markdown, evidence clock and passing publication receipt; quote it without regenerating facts.

{
  "type": "object",
  "properties": {},
  "additionalProperties": false
}

Read the latest RBI enforcement and supervisory actions — monetary penalties, licence cancellations and supervisory directions — parsed from rbi.org.in press releases, newest first, each item carrying the RBI's own source URL. Takes no arguments. When no tape snapshot exists on the deployment, says so in a stated note instead of returning silent emptiness.

{
  "type": "object",
  "properties": {},
  "additionalProperties": false
}

Connect institution research with Palimpsest's complete source catalog, Seiche funding context, Undertow exit-liquidity evidence and NarcoScope global data. Compact default; set limit for full metadata. No institution identifiers, scores or eligibility changes; source rights stay attached.

{
  "type": "object",
  "properties": {
    "topic": {
      "type": "string",
      "enum": [
        "all",
        "china",
        "regions",
        "information_controls",
        "model_evaluations",
        "funding",
        "institutions",
        "liquidity",
        "global_data"
      ],
      "default": "all"
    },
    "offset": {
      "type": "integer",
      "minimum": 0,
      "maximum": 1000,
      "default": 0
    },
    "limit": {
      "type": "integer",
      "minimum": 1,
      "maximum": 25,
      "default": 2
    }
  },
  "additionalProperties": false
}

Read the compact Stablecoin Rails board: every tracked issuer's peg, redemption-run, direct-chain liability validation, coverage-gated reserve and executable-exit evidence, chain concentration and tripwire state plus the aggregate regime. Series and full receipts stay on the public REST detail route. Takes no arguments; the full oracle state never treats partial evidence as CALM (the separate peg/run alert is retained for compatibility), and the board is not investment advice.

{
  "type": "object",
  "properties": {},
  "additionalProperties": false
}

Search the RBI NBFC register by name/CIN substring, classification or regulation layer. Returns official register rows. Supply q or a filter; a filter without q browses that slice. Registration does not establish creditworthiness.

{
  "type": "object",
  "properties": {
    "q": {
      "type": "string",
      "description": "case-insensitive substring of the registered name or CIN"
    },
    "classification": {
      "type": "string",
      "description": "exact RBI classification as it appears in the register, e.g. 'MFI' or 'HFC'"
    },
    "layer": {
      "type": "string",
      "enum": [
        "Upper",
        "Middle",
        "Base"
      ],
      "description": "Scale Based Regulation layer filter"
    },
    "limit": {
      "type": "integer",
      "minimum": 1,
      "maximum": 50,
      "description": "maximum rows to return (default 20, capped at 50)",
      "default": 20
    }
  },
  "additionalProperties": false
}

Verify a ledger stream by recomputing hash-chain commitments and checking enabled signatures and anchors. Returns the actual verifier verdict, including failures. Verifies record integrity, not economic accuracy.

{
  "type": "object",
  "properties": {
    "stream": {
      "type": "string",
      "description": "ledger stream name to verify (default 'mfi_watchlist')",
      "default": "mfi_watchlist"
    }
  },
  "additionalProperties": false
}