name: msp-dx
title: Black Knight / ICE MSP DX (Direct Exchange) Capability
description: >-
  Shared Naftiko capability surface for the MSP DX REST APIs. MSP DX exposes
  Black Knight's (now ICE Mortgage Technology's) mortgage servicing platform —
  the system of record for the majority of US first-mortgage loans — including
  loan boarding, customer service, escrow, payments, payoffs, default management,
  loss mitigation, investor reporting, and stop-advance / ownership-transfer
  workflows.
version: '0.1.0'
created: '2026-05-23'
provider:
  name: ICE Mortgage Technology (acquired Black Knight Sept 2023)
  url: https://developer.ice.com/mortgage-servicing/catalog
authentication:
  type: oauth2
  description: OAuth 2.0 issued from ICE federated identity; requires login + ISV partnership for production credentials.

operations:
  - id: get-msp-loan
    summary: Get MSP Loan By Number
    description: Retrieve full loan record by MSP loan number.
    method: GET
    path: /servicing/loans/{loanNumber}
    governance:
      - PII access controls
      - Servicer/investor scope check

  - id: list-msp-loans
    summary: List MSP Loans In Portfolio
    description: Page through loans by servicer / investor scope.
    method: GET
    path: /servicing/loans

  - id: post-msp-payment
    summary: Post Payment To MSP Loan
    description: Post a payment transaction against an MSP-serviced loan.
    method: POST
    path: /servicing/loans/{loanNumber}/payments
    governance:
      - Idempotency required
      - Reversal logged

  - id: list-escrow-items
    summary: List Escrow Items For Loan
    method: GET
    path: /servicing/loans/{loanNumber}/escrow

  - id: get-payoff-quote
    summary: Get Payoff Quote
    method: GET
    path: /servicing/loans/{loanNumber}/payoff-quote

  - id: create-promise-to-pay
    summary: Create Promise To Pay
    description: Document a borrower's promise to pay along with reason code.
    method: POST
    path: /servicing/loans/{loanNumber}/promise-to-pay

  - id: list-loss-mitigation-cases
    summary: List Loss Mitigation Cases
    method: GET
    path: /servicing/loans/{loanNumber}/loss-mitigation

  - id: investor-loan-report
    summary: Generate Investor Loan Report
    method: POST
    path: /servicing/investor-reporting/runs
    governance:
      - Investor scope required (FNMA / FHLMC / GNMA / Private)