{ "contract_version": "2.0", "purpose": "Synthetic contract fixtures for UAT only", "examples": { "offer_decision_event": { "event_version": "2.0", "event_id": "11111111-1111-4111-8111-000000000003", "event_type": "OFFER_DECISION_RECORDED", "occurred_at": "2026-09-28T10:00:00Z", "sender": "AARTHIK_LABS", "entity_type": "CASE", "entity_id": "AL-CASE-0001", "entity_version": 3, "correlation": { "external_reference_id": "AL-CASE-0001", "celestium_lead_id": "1001", "celestium_loan_id": "2001" }, "data": { "offer_id": "OFFER-1001-1", "decision": "ACCEPT", "decided_at": "2026-09-28T10:00:00Z", "reason": null } }, "event_receipt": { "event_id": "11111111-1111-4111-8111-000000000003", "receipt_status": "RECEIVED", "received_at": "2026-09-28T10:00:00Z" }, "dedupe_request": { "request_id": "22222222-2222-4222-8222-222222222222", "external_reference_id": "AL-CASE-0001", "product": "BUSINESS_LOAN", "applicant": { "pan": "ABCDE1234F", "mobile": "9999999999", "date_of_birth": "1990-01-01", "name": "Example Borrower" } }, "dedupe_response": { "request_id": "22222222-2222-4222-8222-222222222222", "external_reference_id": "AL-CASE-0001", "dedupe_reference_id": "DD-1001", "match_status": "NO_MATCH", "decision": "PROCEED", "reason_code": "NO_BLOCKING_MATCH", "reason_message": "No blocking record found", "existing_celestium_lead_id": null, "existing_celestium_loan_id": null, "checked_at": "2026-09-28T10:00:00Z" }, "lead_submitted_event": { "event_version": "2.0", "event_id": "11111111-1111-4111-8111-000000000001", "event_type": "LEAD_SUBMITTED", "occurred_at": "2026-09-28T10:00:00Z", "sender": "AARTHIK_LABS", "entity_type": "CASE", "entity_id": "AL-CASE-0001", "entity_version": 1, "correlation": { "external_reference_id": "AL-CASE-0001", "celestium_lead_id": null, "celestium_loan_id": null }, "data": { "dedupe_reference_id": "DD-1001", "product": "BUSINESS_LOAN", "consents": { "bureau": { "accepted": true, "at": "2026-09-28T10:00:00Z" }, "bank_analysis": { "accepted": true, "at": "2026-09-28T10:00:00Z" }, "data_sharing": { "accepted": true, "at": "2026-09-28T10:00:00Z" }, "submission": { "accepted": true, "at": "2026-09-28T10:00:00Z" } }, "borrower": { "first_name": "Example", "middle_name": null, "last_name": "Borrower", "date_of_birth": "1990-01-01", "pan": "ABCDE1234F", "mobile": "9999999999", "email": "borrower@example.test", "employment_type": "SELF_EMPLOYED", "monthly_income": null, "residential_address": { "line1": "Example address", "line2": null, "city": "Chennai", "state": "Tamil Nadu", "postal_code": "600001", "country": "IND" } }, "business": { "name": "Example Traders", "constitution": "PROPRIETORSHIP", "industry": "RETAIL", "pan": null, "gstin": null, "udyam_number": null, "annual_turnover": null, "address": { "line1": "Example address", "line2": null, "city": "Chennai", "state": "Tamil Nadu", "postal_code": "600001", "country": "IND" } }, "banking": { "status": "COMPLETED", "source": "STATEMENT_UPLOAD", "analysis_reference_id": "BSA-001", "analyzed_at": "2026-09-28T10:00:00Z", "period_from": "2026-03-01", "period_to": "2026-08-31", "report_data": null, "unavailable_reason": null, "account": { "holder_name": "Example Borrower", "account_number": "000000001234", "ifsc": "TEST0000001", "account_type": "SAVINGS", "bank_name": "Example Bank" } }, "bureau": { "provider": "CIBIL", "status": "AVAILABLE", "report_reference_id": "BUR-001", "pulled_at": "2026-09-28T10:00:00Z", "score": 750, "report_data": null, "unavailable_reason": null }, "proposed_offer": { "reference_id": "AL-OFFER-001", "currency": "INR", "loan_amount": "22000.00", "tenure_weeks": 22, "installment_frequency": "WEEKLY", "bre_reference_id": "BRE-001", "bre_decision": "ELIGIBLE" }, "documents_expected": [ { "document_reference_id": "DOC-BUR-001", "document_type": "BUREAU_REPORT" }, { "document_reference_id": "DOC-BSA-001", "document_type": "BANK_ANALYSIS_REPORT" } ] } }, "manual_review_event": { "event_version": "2.0", "event_id": "11111111-1111-4111-8111-000000000002", "event_type": "MANUAL_REVIEW_DECIDED", "occurred_at": "2026-09-28T10:00:00Z", "sender": "CELESTIUM", "entity_type": "CASE", "entity_id": "AL-CASE-0001", "entity_version": 2, "correlation": { "external_reference_id": "AL-CASE-0001", "celestium_lead_id": "1001", "celestium_loan_id": "2001" }, "data": { "decision": "APPROVED", "reason_code": "APPROVED_AS_APPLIED", "reason_message": "Approved on the displayed terms", "reviewed_at": "2026-09-28T10:00:00Z", "offer": { "offer_id": "OFFER-1001-1", "currency": "INR", "loan_amount": "22000.00", "tenure_weeks": 22, "installment_frequency": "WEEKLY", "number_of_installments": 22, "installment_amount": "1000.00", "annual_interest_rate_percent": "0.00", "apr_percent": "0.00", "interest_rate_type": "FIXED", "processing_fee_amount": "0.00", "tax_amount": "0.00", "other_upfront_charges": "0.00", "net_disbursed_amount": "22000.00", "total_interest_amount": "0.00", "total_payable_amount": "22000.00", "valid_until": "2026-10-01T10:00:00Z", "kfs_url": "https://celestium.example.test/kfs/offer-1001-1", "terms_url": "https://celestium.example.test/terms/offer-1001-1" } } }, "processing_failure_data": { "source_event_id": "11111111-1111-4111-8111-000000000003", "code": "STALE_OFFER", "message": "The offer has been replaced", "retryable": false, "failed_at": "2026-09-28T10:00:00Z" }, "kyc_updated_event": { "event_version": "2.0", "event_id": "11111111-1111-4111-8111-000000000004", "event_type": "KYC_UPDATED", "occurred_at": "2026-09-28T10:00:00Z", "sender": "AARTHIK_LABS", "entity_type": "CASE", "entity_id": "AL-CASE-0001", "entity_version": 4, "correlation": { "external_reference_id": "AL-CASE-0001", "celestium_lead_id": "1001", "celestium_loan_id": "2001" }, "data": { "provider": "DIGIO", "provider_reference_id": "KID-EXAMPLE", "mode": "VIDEO_AND_MANUAL_REVIEW", "status": "REVIEW_READY", "verified": false, "provider_event_id": "DIGIO-EVT-001", "provider_updated_at": "2026-09-28T10:00:00Z", "document_ids": [], "reason_code": null } }, "mandate_updated_event": { "event_version": "2.0", "event_id": "11111111-1111-4111-8111-000000000005", "event_type": "MANDATE_UPDATED", "occurred_at": "2026-09-28T10:00:00Z", "sender": "AARTHIK_LABS", "entity_type": "CASE", "entity_id": "AL-CASE-0001", "entity_version": 5, "correlation": { "external_reference_id": "AL-CASE-0001", "celestium_lead_id": "1001", "celestium_loan_id": "2001" }, "data": { "provider": "ZIPNACH", "provider_reference_id": "MANDATE-001", "umrn": "TEST-UMRN-001", "status": "ACTIVE", "verified": true, "maximum_amount": "1000.00", "currency": "INR", "frequency": "WEEKLY", "valid_from": "2026-10-01", "valid_until": "2027-03-31", "provider_updated_at": "2026-09-28T10:00:00Z", "document_ids": [], "reason_code": null } }, "esign_updated_event": { "event_version": "2.0", "event_id": "11111111-1111-4111-8111-000000000006", "event_type": "ESIGN_UPDATED", "occurred_at": "2026-09-28T10:00:00Z", "sender": "AARTHIK_LABS", "entity_type": "CASE", "entity_id": "AL-CASE-0001", "entity_version": 6, "correlation": { "external_reference_id": "AL-CASE-0001", "celestium_lead_id": "1001", "celestium_loan_id": "2001" }, "data": { "provider": "DIGIO", "provider_reference_id": "DID-EXAMPLE", "status": "COMPLETED", "verified": true, "provider_event_id": "DIGIO-EVT-003", "provider_updated_at": "2026-09-28T10:00:00Z", "document_ids": [ "CDOC-AGREEMENT-001" ], "reason_code": null } }, "upload_response": { "request_id": "44444444-4444-4444-8444-444444444444", "external_reference_id": "AL-CASE-0001", "celestium_lead_id": "1001", "celestium_loan_id": "2001", "document_reference_id": "DOC-BUR-001", "document_id": "CDOC-BUR-001", "document_type": "BUREAU_REPORT", "file_name": "bureau-report.pdf", "content_type": "application/pdf", "size_bytes": 125000, "sha256": "aaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaaa", "status": "STORED", "stored_at": "2026-09-28T10:00:00Z" }, "status_response": { "request_id": "55555555-5555-4555-8555-555555555555", "external_reference_id": "AL-CASE-0001", "celestium_lead_id": "1001", "celestium_loan_id": "2001", "snapshot_version": 8, "snapshot_at": "2026-10-05T12:00:00Z", "case_status": "DISBURSED", "loan_status": "ACTIVE", "loan_account_id": "CEL-ACCOUNT-0001", "offer": { "offer_id": "OFFER-1001-1", "decision": "ACCEPT", "source_event_id": "11111111-1111-4111-8111-000000000003", "recorded_at": "2026-09-28T10:00:00Z" }, "checks": { "kyc": "APPROVED", "lender_kyc_review": "APPROVED", "mandate": "ACTIVE", "esign": "COMPLETED" }, "documents": { "stored": [ { "document_reference_id": "DOC-BUR-001", "document_id": "CDOC-BUR-001", "document_type": "BUREAU_REPORT" }, { "document_reference_id": "DOC-BSA-001", "document_id": "CDOC-BSA-001", "document_type": "BANK_ANALYSIS_REPORT" }, { "document_reference_id": "DOC-KYC-001", "document_id": "CDOC-KYC-001", "document_type": "KYC_REPORT" }, { "document_reference_id": "DOC-AGREEMENT-001", "document_id": "CDOC-AGREEMENT-001", "document_type": "SIGNED_LOAN_AGREEMENT" } ], "pending": [] }, "disbursement": { "disbursement_id": "DISB-001", "status": "DISBURSED", "amount": "22000.00", "currency": "INR", "bank_reference": "TEST-UTR-DISB-001", "updated_at": "2026-09-28T10:00:00Z", "reason_code": null }, "soa": { "currency": "INR", "updated_at": "2026-10-05T12:00:00Z", "disbursed_amount": "22000.00", "principal_outstanding": "21000.00", "interest_outstanding": "0.00", "penalty_outstanding": "0.00", "charges_outstanding": "0.00", "total_outstanding": "21000.00", "total_overdue": "0.00" }, "amortization_schedule": { "schedule_version": 1, "updated_at": "2026-10-05T12:00:00Z", "frequency": "WEEKLY", "installments": [ { "installment_id": "INST-001", "installment_number": 1, "due_date": "2026-10-05", "principal": "1000.00", "interest": "0.00", "charges": "0.00", "amount": "1000.00", "paid_amount": "1000.00", "unpaid_amount": "0.00", "status": "PAID", "updated_at": "2026-10-05T12:00:00Z" }, { "installment_id": "INST-002", "installment_number": 2, "due_date": "2026-10-12", "principal": "1000.00", "interest": "0.00", "charges": "0.00", "amount": "1000.00", "paid_amount": "0.00", "unpaid_amount": "1000.00", "status": "DUE", "updated_at": "2026-10-05T12:00:00Z" }, { "installment_id": "INST-003", "installment_number": 3, "due_date": "2026-10-19", "principal": "1000.00", "interest": "0.00", "charges": "0.00", "amount": "1000.00", "paid_amount": "0.00", "unpaid_amount": "1000.00", "status": "DUE", "updated_at": "2026-10-05T12:00:00Z" }, { "installment_id": "INST-004", "installment_number": 4, "due_date": "2026-10-26", "principal": "1000.00", "interest": "0.00", "charges": "0.00", "amount": "1000.00", "paid_amount": "0.00", "unpaid_amount": "1000.00", "status": "DUE", "updated_at": "2026-10-05T12:00:00Z" }, { "installment_id": "INST-005", "installment_number": 5, "due_date": "2026-11-02", "principal": "1000.00", "interest": "0.00", "charges": "0.00", "amount": "1000.00", "paid_amount": "0.00", "unpaid_amount": "1000.00", "status": "DUE", "updated_at": "2026-10-05T12:00:00Z" }, { "installment_id": "INST-006", "installment_number": 6, "due_date": "2026-11-09", "principal": "1000.00", "interest": "0.00", "charges": "0.00", "amount": "1000.00", "paid_amount": "0.00", "unpaid_amount": "1000.00", "status": "DUE", "updated_at": "2026-10-05T12:00:00Z" }, { "installment_id": "INST-007", "installment_number": 7, "due_date": "2026-11-16", "principal": "1000.00", "interest": "0.00", "charges": "0.00", "amount": "1000.00", "paid_amount": "0.00", "unpaid_amount": "1000.00", "status": "DUE", "updated_at": "2026-10-05T12:00:00Z" }, { "installment_id": "INST-008", "installment_number": 8, "due_date": "2026-11-23", "principal": "1000.00", "interest": "0.00", "charges": "0.00", "amount": "1000.00", "paid_amount": "0.00", "unpaid_amount": "1000.00", "status": "DUE", "updated_at": "2026-10-05T12:00:00Z" }, { "installment_id": "INST-009", "installment_number": 9, "due_date": "2026-11-30", "principal": "1000.00", "interest": "0.00", "charges": "0.00", "amount": "1000.00", "paid_amount": "0.00", "unpaid_amount": "1000.00", "status": "DUE", "updated_at": "2026-10-05T12:00:00Z" }, { "installment_id": "INST-010", "installment_number": 10, "due_date": "2026-12-07", "principal": "1000.00", "interest": "0.00", "charges": "0.00", "amount": "1000.00", "paid_amount": "0.00", "unpaid_amount": "1000.00", "status": "DUE", "updated_at": "2026-10-05T12:00:00Z" }, { "installment_id": "INST-011", "installment_number": 11, "due_date": "2026-12-14", "principal": "1000.00", "interest": "0.00", "charges": "0.00", "amount": "1000.00", "paid_amount": "0.00", "unpaid_amount": "1000.00", "status": "DUE", "updated_at": "2026-10-05T12:00:00Z" }, { "installment_id": "INST-012", "installment_number": 12, "due_date": "2026-12-21", "principal": "1000.00", "interest": "0.00", "charges": "0.00", "amount": "1000.00", "paid_amount": "0.00", "unpaid_amount": "1000.00", "status": "DUE", "updated_at": "2026-10-05T12:00:00Z" }, { "installment_id": "INST-013", "installment_number": 13, "due_date": "2026-12-28", "principal": "1000.00", "interest": "0.00", "charges": "0.00", "amount": "1000.00", "paid_amount": "0.00", "unpaid_amount": "1000.00", "status": "DUE", "updated_at": "2026-10-05T12:00:00Z" }, { "installment_id": "INST-014", "installment_number": 14, "due_date": "2027-01-04", "principal": "1000.00", "interest": "0.00", "charges": "0.00", "amount": "1000.00", "paid_amount": "0.00", "unpaid_amount": "1000.00", "status": "DUE", "updated_at": "2026-10-05T12:00:00Z" }, { "installment_id": "INST-015", "installment_number": 15, "due_date": "2027-01-11", "principal": "1000.00", "interest": "0.00", "charges": "0.00", "amount": "1000.00", "paid_amount": "0.00", "unpaid_amount": "1000.00", "status": "DUE", "updated_at": "2026-10-05T12:00:00Z" }, { "installment_id": "INST-016", "installment_number": 16, "due_date": "2027-01-18", "principal": "1000.00", "interest": "0.00", "charges": "0.00", "amount": "1000.00", "paid_amount": "0.00", "unpaid_amount": "1000.00", "status": "DUE", "updated_at": "2026-10-05T12:00:00Z" }, { "installment_id": "INST-017", "installment_number": 17, "due_date": "2027-01-25", "principal": "1000.00", "interest": "0.00", "charges": "0.00", "amount": "1000.00", "paid_amount": "0.00", "unpaid_amount": "1000.00", "status": "DUE", "updated_at": "2026-10-05T12:00:00Z" }, { "installment_id": "INST-018", "installment_number": 18, "due_date": "2027-02-01", "principal": "1000.00", "interest": "0.00", "charges": "0.00", "amount": "1000.00", "paid_amount": "0.00", "unpaid_amount": "1000.00", "status": "DUE", "updated_at": "2026-10-05T12:00:00Z" }, { "installment_id": "INST-019", "installment_number": 19, "due_date": "2027-02-08", "principal": "1000.00", "interest": "0.00", "charges": "0.00", "amount": "1000.00", "paid_amount": "0.00", "unpaid_amount": "1000.00", "status": "DUE", "updated_at": "2026-10-05T12:00:00Z" }, { "installment_id": "INST-020", "installment_number": 20, "due_date": "2027-02-15", "principal": "1000.00", "interest": "0.00", "charges": "0.00", "amount": "1000.00", "paid_amount": "0.00", "unpaid_amount": "1000.00", "status": "DUE", "updated_at": "2026-10-05T12:00:00Z" }, { "installment_id": "INST-021", "installment_number": 21, "due_date": "2027-02-22", "principal": "1000.00", "interest": "0.00", "charges": "0.00", "amount": "1000.00", "paid_amount": "0.00", "unpaid_amount": "1000.00", "status": "DUE", "updated_at": "2026-10-05T12:00:00Z" }, { "installment_id": "INST-022", "installment_number": 22, "due_date": "2027-03-01", "principal": "1000.00", "interest": "0.00", "charges": "0.00", "amount": "1000.00", "paid_amount": "0.00", "unpaid_amount": "1000.00", "status": "DUE", "updated_at": "2026-10-05T12:00:00Z" } ] }, "payments": [ { "payment_id": "PAY-001", "claim_reference": null, "collection_id": "COLL-001", "mandate_reference": "MANDATE-001", "installment_ids": [ "INST-001" ], "method": "ENACH", "status": "POSTED", "amount": "1000.00", "currency": "INR", "bank_reference": "TEST-UTR-PAY-001", "provider_reference": "ZIP-PRESENT-001", "value_date": "2026-10-05", "updated_at": "2026-10-05T12:00:00Z", "reason_code": null, "reversal_of_payment_id": null } ] }, "disbursement_event": { "event_version": "2.0", "event_id": "11111111-1111-4111-8111-000000000004", "event_type": "DISBURSEMENT_UPDATED", "occurred_at": "2026-09-28T10:00:00Z", "sender": "CELESTIUM", "entity_type": "CASE", "entity_id": "AL-CASE-0001", "entity_version": 4, "correlation": { "external_reference_id": "AL-CASE-0001", "celestium_lead_id": "1001", "celestium_loan_id": "2001" }, "data": { "disbursement_id": "DISB-001", "status": "DISBURSED", "amount": "22000.00", "currency": "INR", "bank_reference": "TEST-UTR-DISB-001", "updated_at": "2026-09-28T10:00:00Z", "reason_code": null } }, "payment_updated_event": { "event_version": "2.0", "event_id": "11111111-1111-4111-8111-000000000001", "event_type": "PAYMENT_UPDATED", "occurred_at": "2026-09-28T10:00:00Z", "sender": "CELESTIUM", "entity_type": "PAYMENT", "entity_id": "PAY-001", "entity_version": 1, "correlation": { "external_reference_id": "AL-CASE-0001", "celestium_lead_id": "1001", "celestium_loan_id": "2001" }, "data": { "payment_id": "PAY-001", "claim_reference": null, "collection_id": "COLL-001", "mandate_reference": "MANDATE-001", "installment_ids": [ "INST-001" ], "method": "ENACH", "status": "POSTED", "amount": "1000.00", "currency": "INR", "bank_reference": "TEST-UTR-PAY-001", "provider_reference": "ZIP-PRESENT-001", "value_date": "2026-10-05", "updated_at": "2026-10-05T12:00:00Z", "reason_code": null, "reversal_of_payment_id": null } }, "payment_claim_event": { "event_version": "2.0", "event_id": "11111111-1111-4111-8111-000000000007", "event_type": "PAYMENT_CLAIM_SUBMITTED", "occurred_at": "2026-09-28T10:00:00Z", "sender": "AARTHIK_LABS", "entity_type": "CASE", "entity_id": "AL-CASE-0001", "entity_version": 7, "correlation": { "external_reference_id": "AL-CASE-0001", "celestium_lead_id": "1001", "celestium_loan_id": "2001" }, "data": { "claim_reference": "CLAIM-001", "service_type": "MISSED_EMI", "amount": "1000.00", "currency": "INR", "payment_date": "2026-10-05", "method": "UPI", "transaction_reference": "TEST-UTR-CLAIM-001", "document_ids": [] } }, "error_response": { "request_id": "22222222-2222-4222-8222-222222222222", "error": { "code": "VALIDATION_ERROR", "message": "A required field is invalid", "retryable": false, "fields": [ { "path": "applicant.pan", "message": "Invalid PAN format" } ] } }, "lead_registered_event": { "event_version": "2.0", "event_id": "11111111-1111-4111-8111-000000000010", "event_type": "LEAD_REGISTERED", "occurred_at": "2026-09-28T10:00:00Z", "sender": "CELESTIUM", "entity_type": "CASE", "entity_id": "AL-CASE-0001", "entity_version": 10, "correlation": { "external_reference_id": "AL-CASE-0001", "celestium_lead_id": "1001", "celestium_loan_id": "2001" }, "data": { "status": "DOCUMENTS_PENDING", "documents_pending": [ "DOC-BUR-001", "DOC-BSA-001" ] } }, "offer_decision_confirmed_event": { "event_version": "2.0", "event_id": "11111111-1111-4111-8111-000000000011", "event_type": "OFFER_DECISION_CONFIRMED", "occurred_at": "2026-09-28T10:00:00Z", "sender": "CELESTIUM", "entity_type": "CASE", "entity_id": "AL-CASE-0001", "entity_version": 11, "correlation": { "external_reference_id": "AL-CASE-0001", "celestium_lead_id": "1001", "celestium_loan_id": "2001" }, "data": { "source_event_id": "11111111-1111-4111-8111-000000000003", "offer_id": "OFFER-1001-1", "decision": "ACCEPT", "recorded_at": "2026-09-28T10:00:00Z" } }, "kyc_review_decided_event": { "event_version": "2.0", "event_id": "11111111-1111-4111-8111-000000000012", "event_type": "KYC_REVIEW_DECIDED", "occurred_at": "2026-09-28T10:00:00Z", "sender": "CELESTIUM", "entity_type": "CASE", "entity_id": "AL-CASE-0001", "entity_version": 12, "correlation": { "external_reference_id": "AL-CASE-0001", "celestium_lead_id": "1001", "celestium_loan_id": "2001" }, "data": { "provider": "DIGIO", "provider_reference_id": "KID-EXAMPLE", "decision": "APPROVED", "reviewed_at": "2026-09-28T10:00:00Z", "reviewer_reference": "STAFF-001", "reason_code": "REVIEW_COMPLETED", "reason_message": null } }, "event_processing_failed_event": { "event_version": "2.0", "event_id": "11111111-1111-4111-8111-000000000013", "event_type": "EVENT_PROCESSING_FAILED", "occurred_at": "2026-09-28T10:00:00Z", "sender": "CELESTIUM", "entity_type": "CASE", "entity_id": "AL-CASE-0001", "entity_version": 13, "correlation": { "external_reference_id": "AL-CASE-0001", "celestium_lead_id": "1001", "celestium_loan_id": "2001" }, "data": { "source_event_id": "11111111-1111-4111-8111-000000000003", "code": "STALE_OFFER", "message": "The offer has been replaced", "retryable": false, "failed_at": "2026-09-28T10:00:00Z" } }, "loan_status_updated_event": { "event_version": "2.0", "event_id": "11111111-1111-4111-8111-000000000014", "event_type": "LOAN_STATUS_UPDATED", "occurred_at": "2026-09-28T10:00:00Z", "sender": "CELESTIUM", "entity_type": "CASE", "entity_id": "AL-CASE-0001", "entity_version": 14, "correlation": { "external_reference_id": "AL-CASE-0001", "celestium_lead_id": "1001", "celestium_loan_id": "2001" }, "data": { "loan_status": "ACTIVE", "snapshot_version": 8, "updated_at": "2026-10-05T12:00:00Z", "reason_code": null } } }, "operating_revision": "IGM uses Aarthik Console and email; no grievance partner event" }