Contract Skill — A ready-to-use MOVA HITL workflow. Requires the openclaw-mova plugin.

MOVA Credit Scoring

Submit a loan application to MOVA for automated credit risk scoring — with explainable risk band, bureau check, and a mandatory human credit officer decision gate backed by a full audit trail.

What it does

1. Risk scoring — AI evaluates income, debt-to-income ratio, bureau score, and repayment history against the scoring model
2. Risk band — applicant assigned a risk band (excellent / good / fair / poor / very_poor) with score 0–1000
3. Credit limit recommendation — AI suggests approved amount based on risk band and requested amount
4. Human gate — credit officer reviews the scoring breakdown and chooses: approve / approve at reduced limit / reject / request more info
5. Audit receipt — model version, all input features, the human identity, and the decision timestamp are logged for regulatory accountability

Mandatory escalation rules enforced by policy:

• Risk band poor or very_poor → mandatory human review, cannot auto-approve
• Requested amount above threshold → always routes to human gate
• Bureau score missing or frozen → request_info required, no auto-decision