{"openapi":"3.1.0","info":{"title":"InstantSettlement.ai API","version":"1.0.0","description":"Institutional-grade T+0 settlement engine API. AES-256-GCM encrypted. ISO 20022 native. 5-dimension AI risk scoring. Available for acquisition at $180,000 — contact acquisition@instantsettlement.ai","contact":{"name":"InstantSettlement.ai Acquisition Team","email":"acquisition@instantsettlement.ai","url":"https://instantsettlement.ai/enterprise-offering"},"license":{"name":"Commercial — Full IP Transfer on Acquisition","url":"https://instantsettlement.ai/enterprise-license"},"x-acquisition-available":true,"x-acquisition-valuation-usd":180000,"x-acquisition-manifest":"https://instantsettlement.ai/.well-known/acquisition.json"},"servers":[{"url":"https://instantsettlement.ai/api/v1","description":"Production"},{"url":"https://instantsettlement.ai/api","description":"Legacy base"}],"tags":[{"name":"Settlements","description":"T+0 settlement instructions — ISO 20022 pacs.008"},{"name":"Risk","description":"5-dimension AI risk scoring and AML screening"},{"name":"Compliance","description":"SOC 2 vault, SAR filing, compliance cases"},{"name":"Interbank","description":"mTLS-authenticated interbank settlement"},{"name":"KYC","description":"AES-256 encrypted identity verification"},{"name":"Admin","description":"Fraud queue, frozen transactions, RBAC"},{"name":"Blockchain","description":"Stellar Testnet T+0 on-chain settlement"}],"paths":{"/transactions":{"post":{"tags":["Settlements"],"summary":"Submit settlement instruction","description":"Creates a new settlement instruction. Automatically triggers AI risk scoring, AML screening, HSM signing, and ISO 20022 pacs.008 generation. Transactions scoring ≥85/100 are auto-frozen.","security":[{"bearerAuth":[]}]},"get":{"tags":["Settlements"],"summary":"List all transactions","description":"Returns all transactions with risk scores, AML results, and HSM signature status.","security":[{"bearerAuth":[]}]}},"/transactions/{id}/risk-breakdown":{"get":{"tags":["Risk"],"summary":"5-dimension risk explainability","description":"Returns a full AI explainability breakdown across counterparty, velocity, geopolitical, AML/sanctions, and behavioural dimensions for a single transaction.","parameters":[{"name":"id","in":"path","required":true,"schema":{"type":"string"}}],"security":[{"bearerAuth":[]}]}},"/risk/assess":{"post":{"tags":["Risk"],"summary":"Standalone risk scoring","description":"Pre-trade risk assessment without submitting a settlement. Useful for screening counterparties before committing to a transaction.","security":[{"bearerAuth":[]}]}},"/interbank/settle":{"post":{"tags":["Interbank"],"summary":"mTLS interbank settlement","description":"High-security interbank settlement endpoint requiring mutual TLS authentication via X-Interbank-Cert-Token header.","security":[{"mtlsCert":[]}]}},"/compliance/vault":{"get":{"tags":["Compliance"],"summary":"Compliance vault integrity","description":"Returns SOC 2 Type II and PCI DSS v4.0 audit vault integrity summary with cryptographic proof of record immutability.","security":[{"bearerAuth":[]}]}},"/compliance/soc2":{"get":{"tags":["Compliance"],"summary":"Live SOC 2 Type II report","description":"Generates a real-time SOC 2 Type II compliance report from live transaction and audit data.","security":[{"bearerAuth":[]}]}},"/compliance/cases":{"get":{"tags":["Compliance"],"summary":"List compliance cases","security":[{"bearerAuth":[]}]},"post":{"tags":["Compliance"],"summary":"Open compliance investigation","security":[{"bearerAuth":[]}]}},"/kyc/submit":{"post":{"tags":["KYC"],"summary":"Submit KYC package","description":"Submits AES-256-GCM encrypted KYC documents (IBAN, full name, DOB, document number). Server never receives or stores plaintext.","security":[{"bearerAuth":[]}]}},"/admin/frozen":{"get":{"tags":["Admin"],"summary":"Fraud queue — auto-frozen transactions","description":"Returns all transactions automatically frozen by the AI risk engine, with full freeze rationale and regulatory action taken.","security":[{"bearerAuth":[]}]}},"/admin/frozen/{id}/release":{"post":{"tags":["Admin"],"summary":"Release or confirm freeze — CCO authorization","parameters":[{"name":"id","in":"path","required":true,"schema":{"type":"string"}}],"security":[{"bearerAuth":[]}]}},"/stellar/settle/{txId}":{"post":{"tags":["Blockchain"],"summary":"On-chain T+0 settlement via Stellar Testnet","parameters":[{"name":"txId","in":"path","required":true,"schema":{"type":"string"}}],"security":[{"bearerAuth":[]}]}}},"components":{"securitySchemes":{"bearerAuth":{"type":"http","scheme":"bearer","bearerFormat":"JWT","description":"API key in Authorization: Bearer header"},"mtlsCert":{"type":"apiKey","in":"header","name":"X-Interbank-Cert-Token","description":"mTLS certificate token for interbank endpoints"}}}}