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🦀 ClawHub

Mova Credit Scoring

by @mova-compact

Submit a loan application for AI credit risk scoring and human-gated credit decision via MOVA HITL. Trigger when the user mentions a loan application, credit...

Versionv1.0.1

Downloads427

#legal #health #automation

View on ClawHub →

TERMINAL

clawhub install mova-credit-scoring

📖 About This Skill

name: mova-credit-scoring description: Submit a loan application for AI credit risk scoring and human-gated credit decision via MOVA HITL. Trigger when the user mentions a loan application, credit assessment, borrower review, or asks to score credit risk. Human credit officer approval is mandatory before any credit decision is issued. license: MIT-0 metadata: {"openclaw":{"plugin":{"name":"MOVA","installCmd":"openclaw plugins install openclaw-mova"},"dataSentToExternalServices":[{"service":"MOVA API (api.mova-lab.eu)","data":"applicant ID, financial data (income, debt, requested amount), bureau score, AI risk band, human decision, audit metadata"},{"service":"Credit scoring model connector (read-only)","data":"applicant financial features evaluated against scoring model"},{"service":"Credit bureau connector (read-only)","data":"applicant ID used for bureau score and credit history lookup"}]}}

> Contract Skill — A ready-to-use MOVA HITL workflow. Requires the openclaw-mova plugin.

MOVA Credit Scoring

Submit a loan application to MOVA for automated credit risk scoring — with explainable risk band, bureau check, and a mandatory human credit officer decision gate backed by a full audit trail.

What it does

1. Risk scoring — AI evaluates income, debt-to-income ratio, bureau score, and repayment history against the scoring model 2. Risk band — applicant assigned a risk band (excellent / good / fair / poor / very_poor) with score 0–1000 3. Credit limit recommendation — AI suggests approved amount based on risk band and requested amount 4. Human gate — credit officer reviews the scoring breakdown and chooses: approve / approve at reduced limit / reject / request more info 5. Audit receipt — model version, all input features, the human identity, and the decision timestamp are logged for regulatory accountability

Mandatory escalation rules enforced by policy:

Risk band poor or very_poor → mandatory human review, cannot auto-approve

Requested amount above threshold → always routes to human gate

Bureau score missing or frozen → request_info required, no auto-decision

Requirements

Plugin: MOVA OpenClaw plugin must be installed in your OpenClaw workspace.

Data flows:

Applicant ID + financial data → api.mova-lab.eu (MOVA platform, EU-hosted)

Financial features → credit scoring model (server-side, read-only)

Applicant ID → credit bureau (read-only, no data stored)

Audit journal → MOVA R2 storage, signed

No data sent to third parties beyond the above

Demo

Step 1 — Application submitted: APP-2026-0041, €25K, bureau score 612 !Step 1

Step 2 — AI scoring: risk band fair, DTI 0.017, approve_reduced recommended at €5K !Step 2

Step 3 — Decision recorded: approve_reduced + audit receipt !Step 3

Quick start

Say "score credit application APP-2026-0041 for applicant CUST-1501" and provide:

applicant_id: CUST-1501
application_id: APP-2026-0041
requested_amount_eur: 25000
annual_income_eur: 48000
monthly_debt_eur: 800
bureau_score: 610
employment_status: employed

The agent submits the application, shows the AI risk band and score breakdown, then asks for the credit officer's decision.

Why contract execution matters

Scoring rules are policy, not prompts — poor risk bands and high amounts trigger mandatory gates that cannot be bypassed

Full explainability — every contributing factor (income, debt ratio, bureau score) is surfaced with its weight

Immutable audit trail — when a regulator or applicant challenges a rejection, the complete scoring chain with timestamps is in the system

EU AI Act / CRD VI / EBA GL ready — credit decisions are high-risk AI outputs requiring human oversight, explainability, and a documented decision chain

What the user receives

| Output | Description | |--------|-------------| | Credit score | 0–1000 numerical score | | Risk band | excellent / good / fair / poor / very_poor | | Debt-to-income ratio | Calculated from input data | | Bureau result | Bureau score + credit history summary | | Anomaly flags | high_dti, low_bureau_score, short_history, missing_bureau | | Findings | Structured list with severity codes | | Recommended credit limit | AI-suggested approved amount | | Recommended action | AI-suggested decision | | Decision options | approve / approve_reduced / reject / request_info | | Audit receipt ID | Permanent signed record of the credit decision | | Compact journal | Full event log: scoring → bureau check → human decision |

When to trigger

Activate when the user:

Mentions an application ID or loan request (e.g. "APP-2026-0041")

Says "score credit", "credit assessment", "loan decision", "assess borrower", "credit risk review"

Provides applicant financial data for a lending decision

Before starting, confirm: "Submit application [APP-ID] for MOVA credit scoring?"

If applicant ID or requested amount is missing — ask once.

Step 1 — Submit loan application

Call tool mova_hitl_start_credit with:

application_id: application reference (e.g. APP-2026-0041)

applicant_id: customer/borrower ID

requested_amount_eur: loan amount requested

annual_income_eur: applicant annual income

monthly_debt_eur: existing monthly debt obligations

bureau_score: credit bureau score (optional)

employment_status: employed / self_employed / unemployed / retired

loan_purpose: optional (mortgage, personal, auto, business)

Step 2 — Show scoring result and decision options

If status = "waiting_human" — show risk scoring summary and ask to choose:

Application:       APP-ID
Applicant:         CUST-ID
Score:             SCORE / 1000  (RISK_BAND)
DTI ratio:         DTI%
Bureau score:      BUREAU_SCORE
Recommended limit: EUR AMOUNT
Findings:          [list with severity]
Recommended action: ACTION ← RECOMMENDED

| Option | Description | |---|---| | approve | Approve at requested amount | | approve_reduced | Approve at reduced credit limit | | reject | Reject application | | request_info | Request additional financial information |

Call tool mova_hitl_decide with:

contract_id: from the response above — this is ctr-crd-xxxxxxxx, NOT the application ID

option: chosen decision

reason: credit officer reasoning

Step 3 — Show audit receipt

Call tool mova_hitl_audit with contract_id. Call tool mova_hitl_audit_compact with contract_id for the full signed scoring chain.

Connect your real credit systems

By default MOVA uses a sandbox mock. To route scoring against your live infrastructure, call mova_list_connectors with keyword: "credit".

Relevant connectors:

| Connector ID | What it covers | |---|---| | connector.credit.scoring_model_v1 | Internal credit scoring model | | connector.credit.bureau_v1 | External credit bureau score and history |

Call mova_register_connector with connector_id, endpoint, optional auth_header and auth_value.

Rules

NEVER make HTTP requests manually

NEVER invent or simulate credit scores — if a tool call fails, show the exact error

Use MOVA plugin tools directly — do NOT use exec or shell

CONTRACT_ID is ctr-crd-xxxxxxxx from the mova_hitl_start_credit response — NOT the application ID

💡 Examples