Explain endpoint
Get SHAP values and counterfactual explanations without storing the request.
POST /v1/explain
Returns SHAP values and counterfactual explanations without storing the request. Useful for borrower-facing explainability screens.
Counterfactuals show what a borrower would need to change to improve their score — for example, what increasing balance stability from 0.45 to 0.60 would do to the outcome.