get_trust_dossier
Compose a merchant's full trust dossier from EAS Schema A (brand) + Schema B (credit-risk) + Schema C (repayment-history). Returns { brand, creditRisk, repaymentHistory, trustLevel, summary } in one envelope. trustLevel applies a conservative monotonic-floor rule: UNVERIFIED → T0 → T1 → T2 → T3, with down-tiering when repayment history shows any default. Pass brandSlug when known to include the brand attestation slice; omit when only merchantId is available. Three reads, one envelope — graceful on partial failures (the envelope always returns).
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| brandSlug | No | ||
| merchantId | Yes |