{
  "service": "Creditcrest Growth",
  "version": "1.0.0",
  "says": "This counts steps in a journey and what they cost, and stops a lender’s own growth activity where it set limits. It does not score, rank or target any person. Creditcrest Technologies is not a credit provider, is not a credit assistance provider, and does not hold an Australian credit licence. Its software produces evidence; the licensee makes the decision.",
  "stores": "nothing",
  "events": [
    "Page Viewed",
    "Apply Started",
    "Loan Amount Confirmed",
    "Contact Started",
    "Mobile Verified",
    "Email Verified",
    "Identity Started",
    "Identity Verified",
    "Bank Connection Started",
    "Bank Connected",
    "Financial Review Started",
    "Application Submitted",
    "Application Approved",
    "Application Declined",
    "Contract Viewed",
    "Contract Signed",
    "Loan Funded",
    "Repayment Completed",
    "Hardship Support Viewed",
    "Application Resumed",
    "Application Abandoned"
  ],
  "funnel": [
    "Apply Started",
    "Contact Started",
    "Mobile Verified",
    "Email Verified",
    "Identity Verified",
    "Bank Connected",
    "Financial Review Started",
    "Application Submitted",
    "Application Approved",
    "Contract Signed",
    "Loan Funded"
  ],
  "journeys": {
    "application resume": {
      "purpose": "service",
      "steps": [
        {
          "after": "PT45M",
          "channel": "email"
        },
        {
          "after": "PT24H",
          "channel": "sms"
        }
      ],
      "stopsOn": [
        "Application Submitted",
        "Application Abandoned"
      ],
      "maxReminders": 2,
      "rule": "A saved application left for 45 minutes gets an email, then a text a day later, and never a third. It stops when the application is submitted, withdrawn or expires, or the person opts out."
    },
    "contract unsigned": {
      "purpose": "service",
      "steps": [
        {
          "after": "PT0M",
          "channel": "email"
        },
        {
          "after": "PT24H",
          "channel": "sms"
        }
      ],
      "stopsOn": [
        "Contract Signed"
      ],
      "maxReminders": 2,
      "rule": "A contract the lender has offered and the borrower has not yet signed gets an email and then a text a day later. It may not say funds are reserved or create urgency."
    },
    "arrears support": {
      "purpose": "service",
      "steps": [
        {
          "after": "PT0M",
          "channel": "email"
        },
        {
          "after": "PT72H",
          "channel": "sms"
        }
      ],
      "stopsOn": [
        "Repayment Completed",
        "Hardship Support Viewed"
      ],
      "maxReminders": 2,
      "rule": "A missed repayment gets a service message with the amount, the day, how to fix an error and how to ask for hardship help — then a text three days later, and no more under this journey. It is not marketing and never offers new credit."
    },
    "payout confirmation": {
      "purpose": "service",
      "steps": [
        {
          "after": "PT0M",
          "channel": "email"
        }
      ],
      "stopsOn": [],
      "maxReminders": 1,
      "rule": "A loan paid out gets one message confirming it, and, where money is owed back, when it will be returned."
    },
    "post-loan feedback": {
      "purpose": "service",
      "steps": [
        {
          "after": "PT168H",
          "channel": "email"
        }
      ],
      "stopsOn": [],
      "maxReminders": 1,
      "rule": "One request for feedback a week after a loan closes, with no incentive tied to borrowing again. Feedback is kept out of any credit assessment."
    },
    "returning customer": {
      "purpose": "marketing",
      "offersSmallAmountCredit": true,
      "steps": [
        {
          "after": "PT0M",
          "channel": "email"
        }
      ],
      "stopsOn": [
        "Apply Started"
      ],
      "maxReminders": 1,
      "rule": "Marketing to a former customer: express consent, no hardship, complaint or vulnerability, at most one message a period — and for a small amount lender, s 133CF stops it for anybody who has held or applied for one, which is almost everybody this journey is for."
    }
  },
  "experiments_may_not_change": [
    "eligibility",
    "serviceability",
    "credit policy",
    "fees",
    "disclosures",
    "declarations",
    "urgency",
    "the control group’s treatment"
  ],
  "endpoints": {
    "POST /v1/growth/check-event": "{event, now} — the problems with an event, if any",
    "POST /v1/growth/funnel": "{events, from, to, spend?} — the funnel in people, and cost per funded loan",
    "POST /v1/growth/experiment": "{experiment, running, onDay} — whether it may run",
    "POST /v1/growth/guardrails": "{metrics, limits} — whether growth pauses"
  }
}