Credit policy shifts intraday — risk committee tightens DTI, marketing wants a promotional tier, regulators ask for temporary limits. Your Java origination service should not wait for a mainframe-style deploy.
Kiponos.io holds loan policy in a live config tree. The SDK reads thresholds locally on every application; ops pushes delta updates from the dashboard.
var policy = kiponos.path("lending", "retail");
int minScore = policy.getInt("min_credit_score");
double maxDti = policy.getDouble("max_dti_ratio");
if (score < minScore || dti > maxDti) return Decision.REFER;
No application.yml redeploy. No per-request policy DB. Local getInt() on the hot path.
Live scenarios: tighten scores during macro shock; open promotional tier for a campaign; regional overrides per branch cluster.
Free TeamPro: kiponos.io · github.com/kiponos-io/kiponos-io
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