> ## Documentation Index > Fetch the complete documentation index at: https://docs.clausum.ai/llms.txt > Use this file to discover all available pages before exploring further. # Assess payout / disbursement risk > Scores an outbound transfer before execution. Requires secret key (`clm_sk_*`) with `assess` permission. Response includes `flow: "payout"` and standard decision fields. ## OpenAPI ````yaml /api-reference/openapi.json post /api/v1/assess/payout openapi: 3.1.0 info: title: Clausum API version: 1.3.0 description: >- REST API for real-time fraud risk assessment (pay-in and payout), fraud reporting, blocklist management, and event ingestion. API version 1.3.0. Create Partner API keys (`clm_pub_*`, `clm_sk_*`) in the dashboard under Conexiones → Claves API. Webhook ingest uses separate `clm_wh_*` keys (Conexiones → Entrada webhooks). contact: name: Clausum API Support email: api@clausum.ai url: https://clausum.ai servers: - url: https://sandbox.clausum.ai description: Sandbox — integrators and trials - url: https://dashboard.clausum.ai description: Production dashboard and Partner API security: - apiKeyAuth: [] tags: - name: Risk description: Real-time risk scoring for pay-in checkout and sessions. - name: Payout description: Outbound disbursement and treasury transfer assessment. - name: Fraud description: Report confirmed fraud and trigger the downstream chain. - name: Blocklists description: Manage dynamic blocklists used during assessment. - name: Cases description: Manage fraud cases (expedientes) and submit them to regulators. - name: Events description: Ingest raw events from your payment providers. - name: System description: Health and status checks. paths: /api/v1/assess/payout: post: tags: - Payout summary: Assess payout / disbursement risk description: >- Scores an outbound transfer before execution. Requires secret key (`clm_sk_*`) with `assess` permission. Response includes `flow: "payout"` and standard decision fields. operationId: assessPayoutRisk requestBody: required: true content: application/json: schema: $ref: '#/components/schemas/PayoutAssessRequest' examples: spei: summary: SPEI disbursement value: amount: 2500 amount_unit: major currency: MXN beneficiary: id: ben_123 name: Vendor SA country: MX clabe: '012180001234567890' origin: account_id: acct_01 country: MX payout: channel: api initiated_by: treasury@company.com first_to_beneficiary: false responses: '200': description: Payout assessment completed content: application/json: schema: $ref: '#/components/schemas/AssessResponse' '400': $ref: '#/components/responses/ValidationError' '401': $ref: '#/components/responses/Unauthorized' '429': $ref: '#/components/responses/RateLimited' '503': $ref: '#/components/responses/ServiceUnavailable' '504': $ref: '#/components/responses/GatewayTimeout' security: - apiKeyAuth: [] components: schemas: PayoutAssessRequest: type: object required: - amount - currency properties: amount: type: number minimum: 0 amount_unit: type: string enum: - major - minor amount_minor: type: number currency: type: string example: MXN transaction_type: type: string example: payout customer_id: type: string beneficiary: type: object properties: id: type: string name: type: string country: type: string bank_name: type: string clabe: type: string iban: type: string account_hash: type: string swift_bic: type: string origin: type: object properties: account_id: type: string customer_id: type: string country: type: string name: type: string payout: type: object properties: rail: type: string purpose: type: string first_to_beneficiary: type: boolean initiated_by: type: string channel: type: string device: type: object properties: ip: type: string fingerprint: type: string metadata: type: object additionalProperties: true AssessResponse: type: object properties: decision: type: string enum: - approve - review - challenge - decline risk_score: type: integer minimum: 0 maximum: 100 signals: type: array items: type: string description: Codes of the signals that fired. signal_details: type: array items: type: object properties: code: type: string weight: type: integer description: type: string session_id: type: string order_id: type: string nullable: true payment_id: type: string nullable: true idempotency_key: type: string nullable: true blocked_by: type: string nullable: true description: Reason when the transaction was hard-blocked. latency_ms: type: integer assess_flow: type: string enum: - payin - payout flow: type: string description: Present on payout assess responses. example: payout field_warnings: type: object description: >- Present when recommended segment fields were omitted; assess still succeeds. properties: missing_recommended: type: array items: type: string organization_segment: type: string enum: - merchant - psp - bank - other field_requirements_doc: type: string ApiError: type: object properties: error: oneOf: - type: string - type: object properties: code: type: string message: type: string details: type: object additionalProperties: true responses: ValidationError: description: Invalid request body or parameters content: application/json: schema: $ref: '#/components/schemas/ApiError' Unauthorized: description: Missing or invalid credentials content: application/json: schema: $ref: '#/components/schemas/ApiError' RateLimited: description: Too many requests content: application/json: schema: $ref: '#/components/schemas/ApiError' ServiceUnavailable: description: Assess maintenance mode content: application/json: schema: $ref: '#/components/schemas/ApiError' example: error: code: ASSESS_MAINTENANCE message: Assess temporarily unavailable GatewayTimeout: description: Assess timeout content: application/json: schema: $ref: '#/components/schemas/ApiError' example: error: code: ASSESS_TIMEOUT message: Assess timed out — retry with same idempotency key securitySchemes: apiKeyAuth: type: http scheme: bearer description: >- Partner secret or publishable key, e.g. `clm_sk_...` or `clm_pub_...` (assess only). x-default: clm_sk_your_secret_key ````