refi

The refi noun — identity, lifecycle, events, and every capability as an anchored section: 1 capability, 0 live, 1 sandbox, 0 declared.

refi is one of the estate's 317 automotive nouns — a job a car needs done. It carries 1 capability: 0 live, 1 sandbox, 0 declared · doors financing.vin.

Identity


Noun	`refi`
Pillar	Commerce (facets: 1 commerce)
Capabilities	1 — 0 live · 1 sandbox · 0 declared
Entities	`Loan`
Doors	`financing.vin`
SDK	`Vin.refi.*` from `apis.vin`
Address	`/catalog/refi#{action}` — the anchor IS the wire name minus `refi.`

Events

The vocabulary this noun can append to the record — 3 past-tense, versioned event types, each linked to the capability that emits it:

Refinance.offered@1 — emitted by originate
Refinance.originated@1 — emitted by originate
Refinance.quoted@1 — emitted by originate

Apply & book

originate

refi.originate · POST /refis/originate · gate offer · sandbox · answers RefiOrigination@1

Field	Type	Required	Notes
`vin`	`string`	yes	—
`applicant`	`object`	yes	—
`currentPayoff`	`string`	no	payoff quote reference
`selectedOffer`	`string`	no	—
`cashOut`	`string`	no	requested cash-out draw, decimal
`authority`	`string`	no	—

The gate is a 402 OFFER — the price and a hard ceiling on the wire, with a durable intent that executes on settlement. Never a wall, never "contact sales". Price: not posted — see /pricing.

Delegated calls require a typed Mandate — { ceiling, perAction, expires, tripwires }; the ceiling is a field, not a conversation.

Door — financing.vin serves this noun on its two routes: / (the landing) · /1G1ZB5ST9HF118426 (the VIN lens).

Try it — sandbox: every call answers a deterministic, provenance-labeled simulated payload ({ environment, simulated } in the body). Force any documented outcome with the magic triggers. Going live is a connect, never a ballot: submit the credential at integrates.vin (dealer systems) or connects.vin (consumer accounts) — submissions enter the activation queue and rank live rollout.

Emits — Refinance.offered@1 · Refinance.originated@1 · Refinance.quoted@1.

the SDK — refi.originate

import { refi } from 'apis.vin'

// the gate law is in the type system: Answer<T> = Ok | Empty | Blocked | Offer
const answer = await refi.originate({"vin":"1G1ZB5ST9HF118426","applicant":{}})

POST /refis/originate

curl -X POST https://apis.vin/refis/originate \
  -H 'content-type: application/json' \
  -d '{"vin":"1G1ZB5ST9HF118426","applicant":{}}'

Receipt — the sandbox wire answered the request above with this exact body at build time. Captured by the receipts runner (timestamped, provenance in the payload), never authored; it re-executes only when this descriptor changes.

receipt · executed 2026-08-17T12:42:16.541Z · HTTP 200

{
  "type": "OK",
  "answers": "RefiOrigination@1",
  "value": {
    "vin": "1G1ZB5ST9HF118426",
    "refiId": "refi_e1d0474d",
    "applicant": {
      "name": "Ava Good",
      "castRow": "super-prime",
      "creditTier": "super-prime"
    },
    "lienholder": "Huntington National Bank",
    "payoffReference": "poq_f18b7e1b",
    "principal": {
      "currency": "USD",
      "minorUnits": 1874741
    },
    "offerId": "off_19b31023",
    "apr": "4.49",
    "termMonths": 72,
    "rateBand": "best",
    "decision": "approved",
    "stipulations": [],
    "monthlyPayment": {
      "currency": "USD",
      "minorUnits": 29751
    },
    "status": "Originated"
  },
  "evidence": {
    "vin": "1G1ZB5ST9HF118426",
    "refiId": "refi_e1d0474d",
    "applicant": {
      "name": "Ava Good",
      "castRow": "super-prime",
      "creditTier": "super-prime"
    },
    "lienholder": "Huntington National Bank",
    "payoffReference": "poq_f18b7e1b",
    "principal": {
      "currency": "USD",
      "minorUnits": 1874741
    },
    "offerId": "off_19b31023",
    "apr": "4.49",
    "termMonths": 72,
    "rateBand": "best",
    "decision": "approved",
    "stipulations": [],
    "monthlyPayment": {
      "currency": "USD",
      "minorUnits": 29751
    },
    "status": "Originated"
  },
  "provenance": {
    "simulated": true,
    "environment": "sandbox",
    "source": "refi-journey-sandbox"
  },
  "events": [],
  "meter": {
    "charged": "0.00",
    "posted": false
  },
  "connect": {
    "type": "OFFER",
    "kind": "connect",
    "reason": "CONNECTION_ABSENT",
    "portClass": "lender-network",
    "state": "absent",
    "url": "https://integrates.vin/connect/lender-network",
    "message": "refi.originate is live via connection — certified, connect to activate: complete the lender-network link ceremony at https://integrates.vin/connect/lender-network. The credential vault (auth.vin) holds the token, and the same call answers simulated:false — activation is the token, never a deploy."
  }
}

Generated from the catalog. Every capability, answer, gate, and entity on this page is a rendered descriptor — it cannot drift from the wire.

Identity

Events

Apply & book

originate

Data model

Loan

Modeled

On this page