# Aethon Credit Intelligence (ACI)

> Quantitative risk analytics outputs for digital credit instruments.
> Deterministic methodology, version-controlled, independently verifiable
> on the Bitcoin blockchain. Eight scoring modules cover BTC collateral
> lending, treasury preferred shares, CeFi and DeFi stablecoins,
> infrastructure, market-neutral strategies, venture, tokenised real-world
> assets, and volatility.

ACI Risk Indicators are computational outputs derived from publicly
available data and user-defined inputs. They are not investment advice,
not a credit rating, and not a recommendation to allocate capital. Each
indicator is hashed at publication using canonical JSON serialisation
(SHA-256) and anchored to the Bitcoin blockchain via OpenTimestamps.
Independently recomputable. Tamper-evident.

Framework version: ACI Framework v1.0
Base URL: https://aethoncredit.com/api/v1
Documentation: https://aethoncredit.com/developers
Methodology: https://aethoncredit.com/methodology
Verification: https://aethoncredit.com/verify/{scoreId}

## Modules

- M1A — BTC Collateral Lending (planner_type: btc)
- M1B — Treasury Preferred Shares (planner_type: fiat)
- M1C-A — CeFi Stablecoins (planner_type: stablecoin, provider_subtype: cefi)
- M1C-B — DeFi Stablecoins (planner_type: stablecoin, provider_subtype: defi)
- M4 — Infrastructure (planner_type: infrastructure)
- M5 — Market Neutral (planner_type: market_neutral)
- M6 — Venture (planner_type: venture)
- M7 — Tokenised RWA (planner_type: tokenised_rwa)
- M8 — Volatility (planner_type: volatility)

## Risk Bands

Higher score = lower risk. Bands are CRO-approved and apply uniformly
across modules:

- LOW: 80–100
- MEDIUM: 60–79
- ELEVATED: 40–59
- HIGH: 0–39

## Endpoints

### GET /api/v1/scores
Lists all current provider scores. Optional query: `planner_type=btc|fiat|stablecoin|infrastructure|market_neutral|venture|tokenised_rwa|volatility`.
Authentication: `x-api-key` header required.

### GET /api/v1/scores/{providerId}
Returns the latest score for a specific provider.
Authentication: `x-api-key` header required.

### GET /api/public/scores
Public endpoint, no auth required. Returns aggregate scores plus
`aci_decision_object` per row. Cached 300s.

### GET /api/verify/{scoreId}
Public verification endpoint. Recomputes hash from canonical inputs and
checks against the Bitcoin-anchored attestation. No auth required.
Rate-limited: 60 requests/minute per IP.

### GET /api/v1/methodology
Returns the active methodology version and weights for each module.

### GET /api/issuances
Returns upcoming issuances. Optional query: `status=ANNOUNCED|PRICING`,
`type=preferred_share|bond`.
Authentication: `x-api-key` header required.

## Output format

Every score response includes an `aci_decision_object` block — a
deterministic, agent-native decision payload derived from the persisted
score record. Shape:

```json
{
  "aci_decision_object": {
    "summary": "Provider X scores 68 MEDIUM.",
    "score": 68,
    "band": "MEDIUM",
    "ceiling_factors": [
      {
        "criterion_key": "collateralControl",
        "criterion_label": "Collateral Control",
        "point_impact": -23,
        "direction": "ceiling",
        "detail": "rehypothecation enabled per FINMA disclosure"
      }
    ],
    "floor_factors": [
      {
        "criterion_key": "jurisdiction",
        "criterion_label": "Jurisdiction",
        "point_impact": 14,
        "direction": "floor",
        "detail": "Tier-1 regulator with active supervision"
      }
    ],
    "hard_caps_fired": ["ALGO_STABLECOIN_CAP"],
    "band_gap": {
      "points_to_next_band": 12,
      "next_band": "LOW",
      "pre_multiplier_score": 70,
      "post_multiplier_score": 64
    },
    "framework_version": "ACI Framework v1.0",
    "computed_at": "2026-04-09T08:00:00Z"
  }
}
```

The `aci_decision_object` is safe to consume directly by AI agents and
LLM-based workflows. It is deterministic — identical persisted records
produce identical objects, byte-for-byte.

## Determinism guarantees

- Identical inputs always produce identical scores.
- Field-level confidence below 0.70 triggers worst-case substitution
  before the weighted sum.
- Hard caps (e.g. HV30 > 35% caps marketVolatility at 5/100, algorithmic
  stablecoin score capped at 20, depeg > 1.5% forces HIGH band) apply
  after the weighted sum, never before.
- Duration multipliers apply to risk SCORE only — never to expected
  income.
- Methodology changes require formal CRO sign-off and version increment.

## Verification

Every published ACI Risk Indicator is hashed and anchored on the Bitcoin
blockchain via OpenTimestamps. Any third party — counterparty, regulator,
or successor analyst — can verify integrity, timestamp, and absence of
tampering without trusting ACI.

## Agent prompt templates

Copy-paste prompts for any LLM at:
https://aethoncredit.com/developers#agent-workflows

## Contact

- Developer access: https://aethoncredit.com/contact
- Documentation: https://aethoncredit.com/developers
- Methodology: https://aethoncredit.com/methodology
- Sales / Enterprise: sales@aethoncredit.com