Risk Tape v1 — Overview
A Risk Tape is a standardised JSON document that encapsulates everything a lender needs to underwrite a creator. CreatorLayer builds it automatically from connected platform data.
Top-level structure
| Section | Purpose |
|---|---|
schema_version | Semantic version of the tape format (1.0.0) |
as_of_date | Snapshot date — all metrics computed as of this date |
obligor | Creator identity: ID, jurisdiction, entity type, KYC status |
platform_connections | Which platforms are connected, their role and data quality |
cashflow_summary | Aggregated revenue: 30d, 90d, monthly time series |
risk_profile | Computed metrics: volatility, drawdown, concentration, etc. |
eligibility | Per-product decisions: eligible? tier? max advance? |
data_quality | Completeness score (0–100) and quality flags |
status | "success" or "failed" (set by the JSON schema validator) |
Who sees the tape?
- Lender API integration — consumes the JSON programmatically
- Lender risk team — reviews via the tape viewer UI or raw JSON
- Creator — can request a copy via GDPR export (
GET /api/v1/gdpr/export) - CreatorLayer ops — monitors via
/monitor/*endpoints
Tape lifecycle
1. Lender calls POST /api/v1/verifications
2. CreatorLayer sends consent email to creator
3. Creator grants OAuth access to platforms
4. CreatorLayer fetches platform data
5. Risk Tape is built: metrics → eligibility → data quality → validation
6. Tape is returned to the lender (and stored for audit)
7. Webhook fires to lender's callback URL
Schema versioning
The schema_version field uses semantic versioning:
- Patch (1.0.x): bug fixes, no field changes
- Minor (1.x.0): new optional fields added
- Major (x.0.0): breaking changes — fields removed or types changed
Lenders should always check schema_version before parsing.