Publishing a credit product (lenders)

From the Products tab of /lending, tap "New product":

- **Name, kind, description** — installment loan, line of credit, BNPL, or invoice financing.
- **Baseline APR** — the ceiling borrowers see with no signals shared.
- **Floor APR** — the lowest a borrower can reach by sharing everything. The gap between baseline and floor is the room the ratchet has to work.
- **Amount band + term + origination fee.**
- **APR reductions** — tap the financial signals borrowers can share to earn a discount. The form splits the baseline→floor gap evenly across the signals you select; you can tune per-signal amounts via the API.

Publish and the product appears in the borrower marketplace immediately. Retire it any time from the same tab — existing loans are unaffected; it just stops accepting new applications.

Underwriting is automated against your default policy (signal count → risk tier → approved limit). Applications that fall outside the automated envelope land in your queue as "manual review," where you approve or decline them with a custom APR and limit.