Evaluate all rules for an end user

GET

api

end_users

{end_user_id_or_heron_id}

evaluate_rules

curl --request GET \
  --url https://app.herondata.io/api/end_users/{end_user_id_or_heron_id}/evaluate_rules \
  --header 'Authorization: Basic <encoded-value>'

[
  {
    "metric": {
      "context": "higher_is_better",
      "currency": "<string>",
      "date_range": "last_180_days",
      "description": "The number of unique transactions with a timestamp",
      "group": "data_quality",
      "label": "unique_transactions",
      "status": "not_available",
      "unit": "n",
      "value": "<any>"
    },
    "result": "PASS",
    "rule": {
      "condition": "equal",
      "created": "2025-01-21T17:08:56.386332",
      "date_range": "last_180_days",
      "group": "data_quality_datasource",
      "heron_id": "rul_iPJR7BqGq3kYyAqp7Ytb4g",
      "last_updated": "2025-03-04T17:08:56.386384",
      "metric_label": "unique_transactions",
      "name": "notify_if_debt_investment_count_gt_0_last_180d",
      "selector": {
        "is_portfolio": true
      },
      "value": 42.42,
      "value_str": "mrc_12345678ijwdd321d921"
    }
  }
]

Authorizations

Authorization

string

header

required

Basic authentication header of the form Basic <encoded-value>, where <encoded-value> is the base64-encoded string username:password.

Path Parameters

end_user_id_or_heron_id

string

required

Response

200 - application/json

metric

object

result

enum<string>

Available options:

PASS,

FAIL,

NOT_AVAILABLE

rule

object

rule.condition

enum<string>

Key for how to compare metric value to rule value

Available options:

equal,

not_equal,

greater_than,

greater_than_or_equal,

less_than,

less_than_or_equal,

contains

Example:

"equal"

rule.created

string

When the rule was created in Heron system

Example:

"2025-01-21T17:08:56.386332"

rule.date_range

enum<string>

Date range corresponding to metric

Available options:

latest,

last_30_days,

last_90_days,

last_120_days,

last_180_days,

last_365_days,

next_30_days,

next_60_days,

next_90_days,

next_180_days,

last_1_calendar_months,

last_3_calendar_months,

last_4_calendar_months,

last_6_calendar_months,

last_12_calendar_months,

last_15_calendar_months,

last_24_calendar_months,

last_1_full_calendar_months,

last_2_full_calendar_months,

last_3_full_calendar_months,

last_6_full_calendar_months,

last_12_full_calendar_months,

last_60_days,

last_45_days,

last_2_calendar_months

Example:

"last_180_days"

rule.group

enum<string> | null

Used to display rules by the stage in the underwriting workflow to which they apply.

Available options:

data_quality_datasource,

data_quality_account,

data_quality_transaction

Example:

"data_quality_datasource"

rule.heron_id

string

Unique id for rule generated by Heron

Example:

"rul_iPJR7BqGq3kYyAqp7Ytb4g"

rule.last_updated

string

When the rule was last updated in Heron system

Example:

"2025-03-04T17:08:56.386384"

rule.metric_label

enum<string>

Label corresponding to metric

Available options:

data_volume,

date_range,

date_range_with_data_sources,

data_freshness,

has_balance_ratio,

data_coverage,

accounts,

potentially_duplicated_account_pairs,

category_coverage,

inflows,

outflows,

deposit_days,

net_amount,

inflow_monthly_avg_amount,

inflow_amount,

inflow_growth_rate,

merchant_coverage,

confidence,

revenue_anomalies,

last_debt_investment,

last_debt_investment_days,

merchant_heron_ids,

distinct_mcas,

distinct_mcas_from_outflows,

distinct_mcas_from_inflows,

latest_largest_mca_funding_amount,

min_revenue_count_per_statement_ignoring_savings_accounts,

max_negative_balance_days_per_statement,

min_total_revenue_per_statement,

max_low_balance_days_per_statement,

min_average_daily_balance_per_statement,

revenue_daily_average,

cogs_daily_average,

opex_daily_average,

debt_repayment_daily_average,

debt_investment,

debt_investors,

nsf_fees,

nsf_days,

inflow_daily_average,

average_monthly_revenue_sources,

debt_investment_count,

debt_collection,

tax_payments,

tax_payment_amount,

unconnected_account_ratio,

outflow_daily_average,

revenue_sources,

atm_withdrawals,

revenue,

annualized_revenue,

cogs,

average_credit_card_spend,

opex,

revenue_profit_and_loss,

annualized_revenue_profit_and_loss,

cogs_profit_and_loss,

opex_profit_and_loss,

revenue_monthly_average,

number_months_revenue_less_monthly_target,

min_number_of_revenue_deposits,

debt_repayment,

revenue_growth_rate,

category_debt_repayment_count,

category_other_expenses_count,

category_revenue_count,

category_postage_count,

category_debt_investment_count,

category_atm_cash_outflows_count,

category_rent_count,

insurance_in_out_ratio,

rent_in_out_ratio,

taxes_in_out_ratio,

travel_in_out_ratio,

company_investments_in_out_ratio,

atm_cash_outflows_in_out_ratio,

overdraft_nsf_fees_in_out_ratio,

reconciled_intra_company_transfers_to_insurance_ratio,

insurance_to_general_payment_ratio,

insurance_to_advertising_ratio,

insurance_to_credit_card_ratio,

insurance_to_check_deposits_ratio,

insurance_to_atm_cash_inflows_ratio,

insurance_to_debt_repayment_ratio,

insurance_to_charges_fees_ratio,

insurance_to_travel_ratio,

insurance_to_inventory_ratio,

insurance_to_none_ratio,

equity_investment_to_advertising_ratio,

equity_investment_to_debt_repayment_ratio,

equity_investment_to_charges_fees_ratio,

equity_investment_to_unreconciled_intra_company_transfers_ratio,

equity_investment_to_travel_ratio,

equity_investment_to_company_investments_ratio,

general_payment_to_credit_card_ratio,

general_payment_to_p2p_transfers_ratio,

general_payment_to_company_investments_ratio,

general_payment_to_none_ratio,

debt_investment_to_overdraft_nsf_fees_ratio,

debt_investment_to_other_expenses_ratio,

debt_investment_to_none_ratio,

advertising_to_p2p_transfers_ratio,

advertising_to_other_expenses_ratio,

credit_card_to_check_deposits_ratio,

credit_card_to_charges_fees_ratio,

credit_card_to_travel_ratio,

credit_card_to_inventory_ratio,

credit_card_to_revenue_ratio,

credit_card_to_payroll_and_consultants_ratio,

credit_card_to_none_ratio,

rent_to_check_deposits_ratio,

rent_to_postage_ratio,

rent_to_special_outflows_ratio,

rent_to_travel_ratio,

rent_to_p2p_transfers_ratio,

rent_to_payroll_and_consultants_ratio,

check_deposits_to_debt_repayment_ratio,

check_deposits_to_postage_ratio,

check_deposits_to_unreconciled_intra_company_transfers_ratio,

check_deposits_to_revenue_ratio,

special_inflows_to_charges_fees_ratio,

special_inflows_to_utilities_ratio,

special_inflows_to_unreconciled_intra_company_transfers_ratio,

special_inflows_to_travel_ratio,

special_inflows_to_revenue_ratio,

special_inflows_to_atm_cash_outflows_ratio,

special_inflows_to_payroll_and_consultants_ratio,

refunds_to_atm_cash_inflows_ratio,

refunds_to_charges_fees_ratio,

refunds_to_utilities_ratio,

refunds_to_unreconciled_intra_company_transfers_ratio,

refunds_to_travel_ratio,

refunds_to_overdraft_nsf_fees_ratio,

refunds_to_atm_cash_outflows_ratio,

atm_cash_inflows_to_charges_fees_ratio,

atm_cash_inflows_to_utilities_ratio,

atm_cash_inflows_to_unreconciled_intra_company_transfers_ratio,

atm_cash_inflows_to_atm_cash_outflows_ratio,

atm_cash_inflows_to_other_expenses_ratio,

debt_repayment_to_taxes_ratio,

debt_repayment_to_postage_ratio,

debt_repayment_to_special_outflows_ratio,

debt_repayment_to_atm_cash_outflows_ratio,

debt_repayment_to_payroll_and_consultants_ratio,

check_outflows_to_charges_fees_ratio,

check_outflows_to_utilities_ratio,

check_outflows_to_travel_ratio,

check_outflows_to_p2p_transfers_ratio,

check_outflows_to_revenue_ratio,

check_outflows_to_other_expenses_ratio,

check_outflows_to_payroll_and_consultants_ratio,

taxes_to_travel_ratio,

taxes_to_p2p_transfers_ratio,

taxes_to_revenue_ratio,

taxes_to_atm_cash_outflows_ratio,

taxes_to_other_expenses_ratio,

taxes_to_payroll_and_consultants_ratio,

charges_fees_to_postage_ratio,

charges_fees_to_overdraft_nsf_fees_ratio,

charges_fees_to_revenue_ratio,

charges_fees_to_company_investments_ratio,

charges_fees_to_other_expenses_ratio,

charges_fees_to_none_ratio,

utilities_to_postage_ratio,

utilities_to_special_outflows_ratio,

utilities_to_travel_ratio,

utilities_to_overdraft_nsf_fees_ratio,

utilities_to_other_expenses_ratio,

postage_to_unreconciled_intra_company_transfers_ratio,

postage_to_p2p_transfers_ratio,

postage_to_none_ratio,

unreconciled_intra_company_transfers_to_travel_ratio,

unreconciled_intra_company_transfers_to_p2p_transfers_ratio,

unreconciled_intra_company_transfers_to_atm_cash_outflows_ratio,

unreconciled_intra_company_transfers_to_other_expenses_ratio,

special_outflows_to_p2p_transfers_ratio,

special_outflows_to_atm_cash_outflows_ratio,

travel_to_p2p_transfers_ratio,

travel_to_inventory_ratio,

travel_to_other_expenses_ratio,

travel_to_payroll_and_consultants_ratio,

travel_to_none_ratio,

p2p_transfers_to_overdraft_nsf_fees_ratio,

p2p_transfers_to_atm_cash_outflows_ratio,

inventory_to_overdraft_nsf_fees_ratio,

inventory_to_company_investments_ratio,

inventory_to_atm_cash_outflows_ratio,

inventory_to_other_expenses_ratio,

overdraft_nsf_fees_to_other_expenses_ratio,

revenue_to_payroll_and_consultants_ratio,

latest_balance,

balance_minimum,

balance_maximum,

balance_average,

change_in_balance,

negative_balance_days,

negative_balance_days_by_account,

mean_balance_velocity,

mean_abs_balance_velocity,

weekday_balance_average,

weekday_with_highest_avg,

weekday_with_lowest_avg,

gross_operating_cashflow_daily_average,

net_operating_cashflow_daily_average,

gross_operating_cashflow,

net_operating_cashflow,

gross_operating_cashflow_profit_and_loss,

net_operating_cashflow_profit_and_loss,

net_operating_cashflow_monthly_average,

debt_service_coverage_ratio,

predicted_nsf_fees,

predicted_balance_daily_average,

heron_score

Example:

"unique_transactions"

rule.name

string | null

Description of rule. Sent with webhook response, so can be used as a reference to the rule

Maximum length: 140

Example:

"notify_if_debt_investment_count_gt_0_last_180d"

rule.selector

object

key-value pairs of the desired selector that should select whichend users to apply this rule. They are evaluated as an AND condition(all must be true to run this rule for an end user). Leave empty toapply to all end users.

Example:

{ "is_portfolio": true }

rule.value

number | null

Numeric value to compare to a metric; use this when the threshold is numeric

Example:

42.42

rule.value_str

string | null

String value to compare to a metric; use this when the threshold is a string

Example:

"mrc_12345678ijwdd321d921"

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Get EndUser's combined financials Send a Finicity Connect email to an end user

curl --request GET \
  --url https://app.herondata.io/api/end_users/{end_user_id_or_heron_id}/evaluate_rules \
  --header 'Authorization: Basic <encoded-value>'

[
  {
    "metric": {
      "context": "higher_is_better",
      "currency": "<string>",
      "date_range": "last_180_days",
      "description": "The number of unique transactions with a timestamp",
      "group": "data_quality",
      "label": "unique_transactions",
      "status": "not_available",
      "unit": "n",
      "value": "<any>"
    },
    "result": "PASS",
    "rule": {
      "condition": "equal",
      "created": "2025-01-21T17:08:56.386332",
      "date_range": "last_180_days",
      "group": "data_quality_datasource",
      "heron_id": "rul_iPJR7BqGq3kYyAqp7Ytb4g",
      "last_updated": "2025-03-04T17:08:56.386384",
      "metric_label": "unique_transactions",
      "name": "notify_if_debt_investment_count_gt_0_last_180d",
      "selector": {
        "is_portfolio": true
      },
      "value": 42.42,
      "value_str": "mrc_12345678ijwdd321d921"
    }
  }
]

API Reference

Categories

CrmIntegrations

EndUserDataSourceAccounts

EndUserDataSources

EmailTemplates

EndUsers

EndUserEmails

EndUserEntity

EndUserFiles

EndUserCalculations

EndUserAttributes

EnrichmentFeedback

EndUserFinancials

EndUserRules

Integrations

EndUserIntegrations

ISOApplication

EndUserAccounts

EnrichedTransactions

Transactions

Policy

Testing

Merchants

Rules

ParsedEndUserSubmission

Users

Webhooks

Evaluate all rules for an end user

Authorizations

Path Parameters

Response