Evaluación en tiempo real (pay-in)

POST https://dashboard.clausum.ai/api/v1/assess
Authorization: Bearer clm_sk_...
Content-Type: application/json
Idempotency-Key: <optional header; order_id also dedupes>

{
  "amount": 125.00,
  "amount_unit": "major",
  "currency": "USD",
  "order_id": "shop_order_8842",
  "submerchant_id": "sm_optional_psp_only",
  "customer": {
    "email": "buyer@example.com",
    "phone": "+15551234567",
    "ip_address": "198.51.100.42",
    "billing_country": "US"
  },
  "device": {
    "fingerprint": "fp_abc123",
    "user_agent": "Mozilla/5.0 ..."
  },
  "payment_method": {
    "type": "card",
    "bin": "424242",
    "last4": "4242"
  },
  "metadata": {
    "cart_id": "cart_99"
  }
}

{
  "decision": "approve",
  "risk_score": 18,
  "signals": ["velocity_email_1h"],
  "session_id": "ps_7f3a...",
  "assess_flow": "payin",
  "protection_scope": {
    "rules_org_id": "uuid",
    "active_rules": 12,
    "active_blocklists": 3
  }
}