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Backend: Add “risk policy preview” endpoint (explainable evaluation without storage) #221

@greatest0fallt1me

Description

@greatest0fallt1me

Description

Provide an endpoint that evaluates risk policies on a proposed borrower input and returns an explainable decision (rules fired, score components) without persisting anything. Useful for internal tooling and support workflows.

Requirements and context

  • Must be secure, tested, and documented.
  • Must be admin-only unless explicitly approved for public use.

Suggested execution

git checkout -b feature/risk-policy-preview

Implement changes

  • Add route + schema and wire into policy engine/risk service.
  • Tests for rule explanations and stable codes.
  • Update OpenAPI and docs.

Test and commit

npm test

Example commit message

feat(risk): risk policy preview endpoint with explainable output

Guidelines

  • Timeframe: 96 hours.

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    apiHTTP API and routingbackendBackend service/API workriskRisk engine and policiestestingTests and coveragevalidationValidation/schemas
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