Response and decisions

The endpoint returns a JSON decision. Use should_block as the immediate settlement gate.

Settlement rule

Branch only on should_block

should_block = true  → do not settle
should_block = false → continue settlement

Do not use alert_ids, triggered-rule count, highest severity, Mule results, or asynchronous case status as the synchronous settlement gate.

Response fields

Field	Type	Description
evaluation_status	string	complete or incomplete.
rule_evaluations	object[]	Status for every rule included in the core decision.
trx_id	integer	Vantrace transaction identifier. Store it for reconciliation.
should_block	boolean	Authoritative synchronous settlement gate.
final_action	string	Aggregated action: none, flag, alert, or block.
highest_severity	string	Highest severity among successfully triggered rules.
triggered_rules	object[]	Successfully evaluated rules that triggered.
triggered_count	integer	Number of entries in triggered_rules.
alert_ids	integer[]	Empty in the immediate response because alert creation runs afterward.
mule_risk_summary	object or null	Immediate Mule state, normally queued or disabled.
mule_risk	object or null	Not part of the immediate core decision. Normally null.
behavioural_data_status	string or null	Summary of baseline availability and quality.
behavioural_sufficiency	object or null	Detailed reasons and baseline facts.

Settlement logic

if evaluation_status == "incomplete":
    should_block is true

if should_block == true:
    use the approved blocking path before funds move
else:
    use the approved settlement path

Do not infer the decision from another field

Do not use triggered_count, highest_severity, alert_ids, or Mule status as a substitute for should_block.

Incomplete evaluation

Every core rule selected for the decision is mandatory. If a rule fails technically:

• evaluation_status is incomplete.
• The failed rule appears in rule_evaluations.
• error_code identifies the technical rule failure when available.
• should_block is true defensively.
• A failed rule does not appear as a triggered compliance finding.

{
  "evaluation_status": "incomplete",
  "rule_evaluations": [
    {
      "rule_id": "B5",
      "rule_name": "Velocity spike",
      "evaluation_status": "failed",
      "triggered": null,
      "action": null,
      "error_code": "RULE_EVALUATION_ERROR"
    }
  ],
  "trx_id": 120046,
  "should_block": true,
  "final_action": "block",
  "highest_severity": "low",
  "triggered_rules": [],
  "triggered_count": 0,
  "alert_ids": []
}

When no rule triggers, highest_severity: "low" is the current baseline/default value; it does not mean a low-severity rule triggered. Use triggered_rules to identify actual findings and should_block for settlement.

Triggered rule shape

Field	Type	Description
rule_id	string	Stable rule code.
rule_name	string	Human-readable rule name.
severity	string	low, medium, high, or critical.
action	string	flag, alert, or block.
report_type	string or null	Regulatory report type when applicable.
details	object	Rule-specific thresholds, evidence, and data-quality information.

Enabled rules and configured actions can vary by tenant. Integrations should consume the response instead of hard-coding a rule catalog.

Alerts are asynchronous

The core decision is committed before post-response processing starts. Alert creation, notifications, case linkage, Mule persistence, auditing, and customer/account synchronisation occur after the synchronous response.

Therefore:

• alert_ids is empty in the synchronous response.
• Settlement must not wait for an alert.
• trx_id and the caller-generated X-Request-ID are immediate reconciliation references.

Mule status

Mule analysis is asynchronous network-risk analysis. When it is enabled, the immediate summary has status queued. When it is not enabled, the status is disabled. Later analysis does not change the synchronous should_block value already returned for the core decision.

Possible Mule status values in the broader response model include queued, evaluated, partially_evaluated, not_evaluated, disabled, and failed.