The applicant's file, from the source.

import { FeelConnect } from "@feelconnect/node"; const fc = new FeelConnect({  apiKey: process.env.FEELCONNECT_SECRET_KEY!,  baseUrl: "https://connect.feels.money/v1",}); // One applicant file, assembled from the account rather than uploaded.export async function buildApplicationFile(accessToken: string) {  const [identity, income, assets, liabilities] = await Promise.all([    fc.identity.get({ access_token: accessToken }),    fc.income.get({ access_token: accessToken }),    fc.assets.get({ access_token: accessToken }),    fc.liabilities.get({ access_token: accessToken }),  ]);   return {    // Names, emails, phones and addresses as the institution holds them —    // the check that a stated identity matches the funding account.    holder: identity.identity,     // Detected streams with cadence and confidence, not a single number.    income: income.income_streams,     // total_assets, total_liabilities and net_worth are computed for you.    position: {      assets: assets.total_assets,      liabilities: assets.total_liabilities,      netWorth: assets.net_worth,    },     // Cards, student loans and mortgages with their APR and term detail.    obligations: liabilities.liabilities,  };}

// Forward-looking signals on the same connection.const { forecast } = await fc.ai.cashflow({  access_token: accessToken,  horizon_days: 90,}); // Anomaly detection also runs in payload mode, so it can score a file// you assembled from an aggregator you already pay for.const { signals, overall_risk } = await fc.ai.fraudRisk({  access_token: accessToken,}); if (overall_risk === "high") {  await routeToManualReview(signals);} // A 24-month transaction history behind the same token, for the// affordability arithmetic your credit policy actually specifies.const history = await fc.transactions.get({  access_token: accessToken,  start_date: "2024-07-01",  end_date: "2026-07-01",  options: { count: 500, offset: 0 },});