curl --request POST \
  --url https://api.platform.dakota.xyz/onboarding/risk-ratings/bulk \
  --header 'Content-Type: application/json' \
  --header 'x-api-key: <api-key>' \
  --data '
{
  "individuals": [
    {
      "date_of_birth": "1990-05-15",
      "address_country": "US",
      "purpose_of_account": [
        "investing"
      ],
      "source_of_wealth": [
        "employment"
      ],
      "id": "client-ref-123",
      "first_name": "John",
      "last_name": "Doe"
    }
  ],
  "businesses": [
    {
      "industry_code": "541511",
      "purpose_of_account": [
        "first_party_payments"
      ],
      "source_of_funds": [
        "proprietary_funds"
      ],
      "id": "client-ref-456",
      "name": "Acme Corporation",
      "country_of_incorporation": "US",
      "registered_address_country": "US",
      "operating_address_country": "CA"
    }
  ]
}
'

{
  "individuals": [
    {
      "risk_rating": {
        "score": 7,
        "num_factors": 4,
        "percentage": 62.5,
        "level": "high",
        "factors": [
          {
            "name": "country_risk",
            "value": 3,
            "level": "high",
            "input": "US",
            "description": "Country risk based on incorporation country",
            "reason": "United States is a low-risk jurisdiction",
            "prohibited": false
          }
        ],
        "edd_required": true,
        "prohibited": false,
        "version": "v1",
        "data_version": "2026-01-07",
        "config": {
          "threshold_low": 25,
          "threshold_high": 50
        },
        "calculated_at": "2024-01-15T10:30:00Z",
        "prohibited_reason": "Sanctioned country"
      },
      "id": "client-ref-123",
      "first_name": "John",
      "last_name": "Doe",
      "error": "<string>"
    }
  ],
  "businesses": [
    {
      "risk_rating": {
        "score": 7,
        "num_factors": 4,
        "percentage": 62.5,
        "level": "high",
        "factors": [
          {
            "name": "country_risk",
            "value": 3,
            "level": "high",
            "input": "US",
            "description": "Country risk based on incorporation country",
            "reason": "United States is a low-risk jurisdiction",
            "prohibited": false
          }
        ],
        "edd_required": true,
        "prohibited": false,
        "version": "v1",
        "data_version": "2026-01-07",
        "config": {
          "threshold_low": 25,
          "threshold_high": 50
        },
        "calculated_at": "2024-01-15T10:30:00Z",
        "prohibited_reason": "Sanctioned country"
      },
      "id": "client-ref-456",
      "name": "Acme Corporation",
      "error": "<string>"
    }
  ]
}