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Read-only credit-history lookup for Argentine CUITs against the BCRA's public Central de Deudores + ChequesRechazados endpoints. The B2B credit-check default before extending any non-trivial ","maintainers":[{"name":"naza-ar","email":"clementenaza@gmail.com"}],"readme":"# @ar-agents/banking-bcra\n\nBCRA Central de Deudores agent toolkit for the Vercel AI SDK 6+. Read-only credit-history lookup for Argentine CUITs against BCRA's public Central de Deudores + ChequesRechazados endpoints. **The B2B credit-check default before extending any non-trivial line of credit.**\n\n```sh\npnpm add @ar-agents/banking-bcra\n```\n\n## What's inside\n\n- **`HttpBcraAdapter`** — real adapter against the public BCRA host (`api.bcra.gob.ar`). No auth, no key, no token. BCRA enforces ~100 req/min at their edge — use middleware to throttle if you're bulk-checking.\n- **`InMemoryBcraAdapter`** — deterministic seeded adapter for tests. Returns `BcraNotFoundError` for unseeded CUITs (BCRA-realistic semantics).\n- **`UnconfiguredBcraAdapter`** — explicit throwing default.\n- **`summarizeDebt` + `riskBand`** — pure helpers that turn the multi-row BCRA response into a single risk band ready to gate on.\n- **4 Vercel AI SDK tools** — `bcra_get_debt`, `bcra_get_debt_summary` (the one you want), `bcra_get_historical_debt`, `bcra_get_bounced_checks`.\n\n## Quick start\n\n```ts\nimport { HttpBcraAdapter, bcraTools, riskBand, summarizeDebt } from \"@ar-agents/banking-bcra\";\n\nconst bcra = new HttpBcraAdapter();\n\n// Direct: one CUIT, one risk band.\nconst raw = await bcra.getDebt(\"30-50000001-8\");\nconst summary = summarizeDebt(raw);\nconst band = riskBand(summary);\n//   \"clean\" → no records or zero entidades\n//   \"low\"   → worst situación ≤ 2, no flags\n//   \"watch\" → situación = 3 OR refinanciaciones\n//   \"high\"  → situación ≥ 4 OR proceso judicial / fraude\n\nif (band === \"high\") refuseCredit();\n\n// As agent tools:\nimport { Experimental_Agent as Agent } from \"ai\";\nimport { anthropic } from \"@ai-sdk/anthropic\";\n\nconst agent = new Agent({\n  model: anthropic(\"claude-sonnet-4-7\"),\n  tools: bcraTools({ adapter: bcra }),\n  system: \"Eres un agente de credit underwriting para SaaS B2B argentino.\",\n});\n```\n\n## The situación scale (BCRA convention)\n\n| situación | meaning |\n|----------:|---------|\n| 1 | Normal |\n| 2 | Riesgo bajo / con seguimiento especial |\n| 3 | Problemas potenciales |\n| 4 | Con alto riesgo de insolvencia |\n| 5 | Irrecuperable |\n| 6 | Irrecuperable por disposición técnica |\n\nLower is better. Each entidad reports independently; the BCRA aggregates monthly. The `worstSituacion` field in `DebtSummary` is the max across all reporting entidades — the right number to gate on.\n\n## Important: 404 = \"clean\", not an error\n\nBCRA returns HTTP 404 for CUITs they have no records on. **This is the BEST possible answer for a credit check** — the taxpayer has never been reported as a debtor. The adapter translates 404 into `BcraNotFoundError` so it's distinguishable from a 5xx, but in your business logic treat it as the \"clean\" branch:\n\n```ts\ntry {\n  const summary = await bcra.getDebt(cuit);\n  return riskBand(summarizeDebt(summary));\n} catch (err) {\n  if (err instanceof BcraNotFoundError) return \"clean\";\n  throw err;\n}\n```\n\n## Errors\n\n```ts\nimport {\n  BcraError,\n  BcraValidationError,    // bad CUIT shape, do NOT retry\n  BcraNotFoundError,      // 404 — treat as \"clean\", NOT a failure\n  BcraApiError,           // non-404 non-2xx — 5xx/429 are retryable\n  BcraUnconfiguredError,\n} from \"@ar-agents/banking-bcra\";\n```\n\n## Constraints\n\n- **`montoEnMiles`** is in ARS thousands per BCRA convention. `entryAmountCentavos()` + `summarizeDebt().totalCentavos` convert to centavos for unit-consistent math.\n- **`periodo` is YYYYMM** (BCRA wire format).\n- **No auth** — the API is public. Don't add an Authorization header; the adapter doesn't.\n\n## License\n\nMIT — Nazareno Clemente <naza@naza.ar>\n","readmeFilename":"README.md"}