curl --request POST \
  --url https://api.revtain.com/api/predict/risk \
  --header 'Content-Type: application/json' \
  --header 'X-API-KEY: <api-key>' \
  --data '
{
  "paymentMethodToken": "pm_1234567890",
  "amount": 5000,
  "currency": "USD"
}
'

{
  "success": true,
  "prediction": {
    "riskScore": 72.5,
    "confidence": 68,
    "reasoning": "Card has 3 prior declines in last 30 days. Amount matches a historically recoverable pattern.",
    "factors": [
      "prior_decline_history",
      "amount_pattern_match",
      "time_of_day_risk"
    ],
    "recommendation": "proceed_with_caution"
  }
}