slug: defacto
provider: Defacto
generated_by: planning/capability-mapping/scripts/classify_capabilities.py
model: claude-opus-5
frame:
- Banking & Capital Markets
min_confidence: 0.7
capability_model:
  source: https://github.com/vincentmakes/turbo-ea-capabilities
  license: CC-BY-4.0
  attribution: Turbo EA Capabilities by Vincent Verdet — Turbo EA, https://github.com/vincentmakes/turbo-ea-capabilities,
    CC BY 4.0
  notice: NOTICE
edge_count: 6
edges:
- tag: Loan
  spec_file: defacto-loan-api-openapi.yml
  capability_id: BC-1320
  capability_id_l1: BC-1320
  capability_name: Credit & Lending Management
  confidence: 0.9
  evidence: POST /loans; POST /loan/{loan_id}/validate; POST /loan/{loan_id}/cancel; PUT /loan/repayment-terms;
    schemas LoanAPI, LoanInstallment, APIReadLoanDocument
  reason: 'Plainly loan lifecycle: requesting, validating, cancelling loans, attaching loan documents
    and setting repayment terms. Spans both origination and servicing sub-capabilities, so only the L1
    is asserted.'
- tag: Recollection
  spec_file: defacto-recollection-api-openapi.yml
  capability_id: BC-1320.40
  capability_id_l1: BC-1320
  capability_name: Collections & Recoveries Management
  confidence: 0.85
  evidence: POST /recollection-cases; schemas ApiRecollectionCase, ApiRecollectionStrategy, ApiRecollectionAction,
    ApiCreateRecollectionInstallmentPlanRequest
  reason: Case management for recovering amounts due, with recollection strategies, actions and restructured
    installment plans — this is collections and recoveries on lent funds.
- tag: Onboarding
  spec_file: defacto-onboarding-api-openapi.yml
  capability_id: BC-1300.10
  capability_id_l1: BC-1300
  capability_name: Customer Onboarding Management
  confidence: 0.8
  evidence: POST /borrowers; POST /onboardings; POST /borrower/{borrower_id}/owner; POST /borrower/{borrower_id}/sign;
    schemas APIBorrower, BorrowerComplianceChecks, APIOnboardingBusiness, APICreateDirector
  reason: Operations register borrower businesses, capture owners/directors, run compliance checks and
    complete signature — customer onboarding and account activation for a regulated lender. Compliance-check
    schema also touches KYC/CDD, so the sub-capability split carries some ambiguity.
- tag: Credit card
  spec_file: defacto-credit-card-api-openapi.yml
  capability_id: BC-1340.60
  capability_id_l1: BC-1340
  capability_name: Card Issuance Management
  confidence: 0.75
  evidence: 'PATCH /cards/{card_id}/status; GET /cards/{card_id}/entries; schemas ApiCard, UpdateCardStatusRequest,
    CreditBalance; description: "issue and manage credit cards"'
  reason: Surface manages issued credit cards — listing cards, changing card status (activation/blocking),
    issuing ephemeral keys and reading card entries. Primarily card issuance/lifecycle management; card
    entry retrieval touches transaction processing, so confidence is not maximal on the sub-capability.
- tag: Eligibility and credit limit
  spec_file: defacto-eligibility-and-credit-limit-api-openapi.yml
  capability_id: BC-1320.20
  capability_id_l1: BC-1320
  capability_name: Credit Underwriting & Decisioning Management
  confidence: 0.75
  evidence: POST /eligibility/borrower; GET /eligibility/reasons; schemas APIBorrowerEligibility, EligibilityDenialReason,
    APICreditLine, APICreditLimit
  reason: Operations assess borrower/beneficiary eligibility, return denial reasons and expose granted
    credit lines — credit decisioning and limit setting. Sub-capability could also be read as origination
    pre-screening, hence 0.75.
- tag: Repay
  spec_file: defacto-repay-api-openapi.yml
  capability_id: BC-1320.30
  capability_id_l1: BC-1320
  capability_name: Loan Servicing Management
  confidence: 0.7
  evidence: POST /repay/now; schemas RepayNowRequest, RepayNowResponse
  reason: Single operation triggers immediate repayment of outstanding financing — loan servicing (payment
    against the loan). Thin surface, so moderate confidence.