Borrower Accounts - Command by ClearGrid AI

Property	Value
Dataset code	`D02`
Section code	`S1` — Customers & Accounts
Endpoint path	`/exports/S1/D02`
Cursor field	`updated_at`
Page size	`1`–`1000` (default `500`)
Availability	Available (v1.2)
Pagination	Direct (constant page size)

Each row is one account a borrower holds with the lender — a loan, credit-card-like line, or BNPL line. It includes financial balances, status, due/submission dates, and the lender-provided reference IDs that let you join back to your warehouse.

Fields

Field	Type	Description	Notes
`public_id`	string	Stable per-row identifier (string-cast Mongo `_id`).	Use as the warehouse primary key
`account_reference_id`	string	Lender-provided account reference.
`customer_reference_id`	string	Lender-provided customer reference.
`reference_id`	string	Generic reference ID.
`total_amount`	number	Total contractual amount.	Minor units (fils/cents)
`balance_amount`	number	Total outstanding balance.	Minor units
`actual_balance_amount`	number	Realised balance after adjustments.	Minor units
`paid_amount`	number	Amount paid to date.	Minor units
`balance_principal_amount`	number	Principal still owed.	Minor units
`balance_interest`	number	Interest still owed.	Minor units
`balance_fee`	number	Fees still owed.	Minor units
`minimum_due_amount`	number	Minimum payable now.	Minor units
`currency`	string	ISO 4217 currency code (`SAR`, `AED`, …).
`submitted_date`	string	When the account was opened/onboarded.	`DD/MM/YYYY` — stored as-is, not ISO-8601
`due_date`	string	Current due date.	`DD/MM/YYYY` — stored as-is, not ISO-8601
`delinquent_days_on_submission`	number	Days past due at submission.
`loan_type`	string	Human-readable loan/account type (e.g. `BNPL`).	Resolved from the `loan_types` constant; unmapped codes fall back to the raw integer. See legend
`status`	string	Human-readable account status (e.g. `IN_COLLECTION`).	Resolved from the `borrower_account_status` constant; unmapped codes fall back to the raw integer. See legend
`merchant_name`	string	Originating merchant, if any.
`lender_display_name`	string	Lender display name.
`created_at`	string	Record creation timestamp (ISO-8601).
`updated_at`	string	Last-modified timestamp (ISO-8601).	Cursor field

Sample row

{
  "public_id": "6981c84a1f30b27e90c5512d",
  "account_reference_id": "ACC-2026-44817",
  "customer_reference_id": "CUST-2026-00482",
  "reference_id": "REF-99213",
  "total_amount": 1500000,
  "balance_amount": 920000,
  "actual_balance_amount": 920000,
  "paid_amount": 580000,
  "balance_principal_amount": 800000,
  "balance_interest": 100000,
  "balance_fee": 20000,
  "minimum_due_amount": 75000,
  "currency": "SAR",
  "submitted_date": "22/02/2026",
  "due_date": "10/01/2026",
  "delinquent_days_on_submission": 0,
  "loan_type": "BNPL",
  "status": "IN_COLLECTION",
  "merchant_name": "Tamara Marketplace",
  "lender_display_name": "Tamara",
  "created_at": "2026-02-01T09:15:33.000Z",
  "updated_at": "2026-05-28T11:42:08.000Z"
}

Date formats differ by field. submitted_date and due_date are returned exactly as stored — DD/MM/YYYY strings (e.g. 22/02/2026), not ISO-8601. The system timestamps created_at / updated_at are ISO-8601. Parse them with separate format handling. See Date & time formats.

Field value reference

loan_type and status are returned as human-readable labels. The service resolves the underlying numeric code to its label; if a code has no mapping, the raw integer is returned instead.

loan_type
status

Label
`CREDIT_CARD`
`LEASE`
`PERSONAL_LOAN`
`BNPL`
`CAR_RENTAL`
`SUBSCRIPTION`
`Charge Back`
`SALARY_ADVANCE_LOAN`
`OverDraft`

Label
`CREATED`
`PENDING`
`IN_COLLECTION`
`DISPUTED`
`PAY_LATER`
`PAYMENT_PLAN_CREATED`
`PAYMENT_PLAN_IN_PROGRESS`
`COLLECTED`
`FULL_SETTLEMENT`
`PARTIAL_SETTLEMENT`
`CLOSED`
`DELETED`
`WITHDRAWN`
`ON_HOLD`
`DO_NOT_CONTACT`
`DECEASED`
`SCHEDULED`
`PAYMENT_IN_PROGRESS`
`PAYMENT_PLAN_FAILED`

Pagination characteristics

This dataset is direct — filtered to your tenant by lender_id on the collection itself, so each page returns a constant number of rows until the last page.

Use cases

Balance and DPD (days-past-due) trail per account.
Portfolio summarisation and segmentation.
Due-date sync into collections workflows.

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