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Rate Card Migration Summary

Source document: RATE_CARD_MIGRATION_SUMMARY.md

Date: December 2, 2025

Objective​

Unify finmatch-p credit products into shared rate card source:

  • gs://finmatch-shared/finmatch-rate-card.json

Migration Result​

  • finmatch-p products: 83
  • finmatch-shared before: 74
  • finmatch-shared after: 83
  • Net added: 9 products

Products Added​

  • Humm: 3
  • Snap: 4
  • DivideBuy: 2

Structural Notes​

Observed field variations preserved during migration:

  • apr_type (for example fixed, representative)
  • first_payment structures (amount or factor)
  • additional rate fields:
    • rate_factor_intercept
    • total_repayment_rate_factor
    • total_repayment_intercept

Operational Steps​

  1. Update local configs/finmatch-rate-card.json.
  2. Sync/update shared rate card in GCS or via API-owned process.
  3. Verify Credit Products API count and sample product retrieval.
  4. Continue environment alignment for non-production environments.

Verification Commands​

node scripts/compare-rate-cards.js
curl https://api.finmatch.io/health
curl https://api.finmatch.io/api/v1/credit-products | jq '.count'

Status​

Migration complete in source summary; follow-up sync and API verification required as part of operational rollout.