slug: lendkey
provider: LendKey
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: 5
edges:
- tag: Credit Risk
  spec_file: lendkey-credit-risk-api-openapi.yml
  capability_id: BC-1320.20
  capability_id_l1: BC-1320
  capability_name: Credit Underwriting & Decisioning Management
  confidence: 0.78
  evidence: POST /v1/credit/soft_pull 'Performs a soft credit pull'; POST /v1/scoring/score 'Score a given
    set of attributes against a PMML model'; POST /v1/credit/combined_monthly_debt 'Calculates the combined
    monthly debt between two credit profiles'
  reason: Credit bureau pull, debt calculation and model scoring of applicant attributes are the decisioning/underwriting
    inputs of consumer loan origination. Some ambiguity with credit risk modelling (BC-1320.60), but the
    operations execute per-applicant decisioning rather than model development.
- tag: onboarding
  spec_file: lendkey-onboarding-api-openapi.yml
  capability_id: BC-1320.10
  capability_id_l1: BC-1320
  capability_name: Credit Origination Management
  confidence: 0.75
  evidence: POST /v1/onboarding/onboard — "Submits an application LendKey for boarding"; schemas applicant,
    eligibility, selectedOffer, driversLicense
  reason: Submitting a loan application with applicant, eligibility and selected offer data into a consumer-lending
    origination platform is credit application intake/origination. Some chance it is better read as customer
    account onboarding.
- tag: applications
  spec_file: lendkey-applications-api-openapi.yml
  capability_id: BC-1320.10
  capability_id_l1: BC-1320
  capability_name: Credit Origination Management
  confidence: 0.72
  evidence: POST /v1/application/status 'Retrieve the current status of one or more applications'; schemas
    applicationStatusResponse, applicationStatus, requester
  reason: Status tracking of loan applications on a consumer lending origination platform — credit application
    intake/origination workflow visibility.
- tag: Application Contracts
  spec_file: lendkey-application-contracts-api-openapi.yml
  capability_id: BC-1320.10
  capability_id_l1: BC-1320
  capability_name: Credit Origination Management
  confidence: 0.7
  evidence: POST /applications createApplicationContract 'Create New Application Contract'; schemas Borrower,
    Coborrower, NewApplicationRequest, ApplicationEnvelopeSummary
  reason: E-signature envelopes bound to loan applications with Borrower/Coborrower signers — document
    execution within the credit application/origination workflow of a lending platform. Mapped to credit
    origination rather than generic contract management because the artefacts are loan applications and
    borrowers.
- tag: Payments
  spec_file: lendkey-payments-api-openapi.yml
  capability_id: BC-1320.30
  capability_id_l1: BC-1320
  capability_name: Loan Servicing Management
  confidence: 0.7
  evidence: POST /v1/createPayment createPayment 'Create Payment'; description 'endpoints for managing
    loan inventory, disbursements, payments'
  reason: Payments recorded against loans in a loan treasury service map to loan servicing, whose definition
    explicitly includes 'loan servicing, payments'. Not a payment-rail capability since there is no clearing/settlement
    or instruction routing surface.