{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://api.syf.com/schemas/credit-application",
  "title": "Credit Application",
  "description": "A Synchrony Financial credit card application submitted for instant decisioning.",
  "type": "object",
  "properties": {
    "applicationId": {
      "type": "string",
      "description": "Unique application identifier."
    },
    "decision": {
      "type": "string",
      "enum": ["approved", "declined", "pending"],
      "description": "Credit decision outcome."
    },
    "creditLimit": {
      "type": "number",
      "format": "double",
      "minimum": 0,
      "description": "Approved credit limit in USD."
    },
    "accountNumber": {
      "type": "string",
      "description": "Masked account number issued on approval."
    },
    "merchantId": {
      "type": "string",
      "description": "Originating merchant identifier."
    },
    "applicant": {
      "type": "object",
      "properties": {
        "firstName": { "type": "string" },
        "lastName": { "type": "string" },
        "email": { "type": "string", "format": "email" },
        "phone": { "type": "string" }
      },
      "required": ["firstName", "lastName"]
    },
    "channel": {
      "type": "string",
      "enum": ["web", "mobile"],
      "description": "Application submission channel."
    },
    "timestamp": {
      "type": "string",
      "format": "date-time"
    }
  },
  "required": ["applicationId", "decision", "merchantId", "timestamp"]
}