credsutra.in

{
  "type": "object",
  "properties": {
    "profile": {
      "type": "object",
      "description": "User profile object containing monthlySpend, spendSplit, and optional wantsLounge."
    },
    "ownedCards": {
      "type": "array",
      "items": {
        "type": "string"
      },
      "description": "Array of card slugs the user already owns."
    },
    "scenario": {
      "type": "string",
      "enum": [
        "floor",
        "portal",
        "as-published"
      ],
      "description": "Optional redemption channel to value reward points at (issue #159). Defaults to 'as-published', which returns each card's own published percentages unconverted and discloses that they embed the issuer's undisclosed point valuation. 'floor' values points at the card's worst readily-accessible liquid channel (statement credit / catalogue voucher) — the guaranteed cash-in-hand comparison. 'portal' values them at the issuer's own travel portal. Either scenario EXCLUDES cards whose conversion chain is not fully published rather than estimating one, so a scenario result covers fewer cards; the excluded count is returned in `quarantined`."
    }
  },
  "required": [
    "profile"
  ]
}