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REST API for commercial underwriting.

The same engine that powers the web app, exposed at api.aiunderwriting.net. JSON request and response, OAuth 2.0 and API keys, webhooks for asynchronous events.

Sandbox at sandbox.aiunderwriting.net

Test API keys (aiu_test_*) only. Synthetic data, no real PII accepted. Same surface as production. No production quota consumed.

curl
curl https://sandbox.aiunderwriting.net/v1/health \
  -H "Authorization: Bearer aiu_test_REPLACE_ME"
Node (fetch)
const res = await fetch('https://sandbox.aiunderwriting.net/v1/health', {
  headers: { Authorization: 'Bearer aiu_test_REPLACE_ME' },
});
const body = await res.json();
console.log(body);
Python
import urllib.request

req = urllib.request.Request(
    'https://sandbox.aiunderwriting.net/v1/health',
    headers={'Authorization': 'Bearer aiu_test_REPLACE_ME'},
)
with urllib.request.urlopen(req) as resp:
    print(resp.read().decode())

Webhook subscriptions

Subscribe to deal lifecycle events, report-ready notifications, and CRM push outcomes. HMAC-signed deliveries with replay tolerance. Growth tier and above.

Reference: apps/api/src/routes/v1/webhooks.ts

Idempotency keys

Every mutating request accepts an Idempotency-Key header. Replays return the original response without re-running the engine or re-charging usage meters.

Reference: apps/api/src/middleware/idempotency.ts

Per-tier rate limits

Burst, sustained, and daily caps scale with your tier. Soft caps on paid tiers bill overage at the configured per-call rate. Sandbox is a hard cap.

Reference: packages/shared-types/src/billing-config.ts

Rate limits by tier

Live values pulled from API_TIER_LIMITS. Marketing copy never duplicates these numbers; the table is the table.

TierSaaS planBurst / secSustained / 60sDaily capWebhooksOAuth 2.0
SandboxFree5601k / dayNoNo
StarterPro+API2060025k / dayNoNo
GrowthEnterprise1003000250k / dayYesYes
ScaleCustom1000300001M / dayYesYes

Enterprise tier limits are contract-defined; contact us for a quote.

Build against the same engine.

Free signup includes sandbox access. Upgrade to Pro+API for live keys.

© 2026 AI Underwriter. For investor analysis only — not an appraisal, credit decision, agency approval, legal advice, or tax advice. Verify all assumptions before relying on any output.

AI Underwriter is a product of J&A Higgins Enterprises LLC.