distyra 0.4.0

Python client for the Distyra Transaction Enrichment API (enrichment + SME underwriting)

distyra

Python client for the Distyra Transaction Enrichment API: transaction enrichment and SME cash-flow underwriting for EU lenders.

pip install distyra

Base URL: https://api.distyra.com (the SDK default). The API and CDN stay on .com; only the Distyra website and customer portal use .eu.

Quick start

import os
from distyra import Distyra

client = Distyra(api_key=os.environ["DISTYRA_API_KEY"])

result = client.enrich(
    descriptor="ALBERT HEIJN 1234 AMSTERDAM NL",
    amount=-12.34,
    currency="EUR",
    mcc="5411",
)
print(result.merchant.name)        # "Albert Heijn"
print(result.category.primary)     # "Retail & E-commerce"
print(result.category.source)      # "catalog" (curated) or "llm" (model-proposed)

Batch enrichment

batch = client.enrich_batch([
    {"descriptor": "ALBERT HEIJN 1234 AMSTERDAM NL", "amount": -12.34, "currency": "EUR"},
    {"descriptor": "NS GROEP B.V.", "amount": -4.50, "currency": "EUR"},
    {"descriptor": "NETFLIX.COM", "amount": -13.99, "currency": "EUR"},
])
for item in batch.items:
    print(item)

Up to 100 items per call; a failed item occupies its slot with an error envelope, the batch itself never fails.

Underwriting

Statement files in, one consolidated analysis out. Multiple files for the same applicant (the "last 6 months as 6 monthly PDFs" case) consolidate into one analysis over the merged window:

analysis = client.analyze_statement(
    ["jan.pdf", "feb.pdf", "mar.pdf"],
    applicant_id="loan-2026-0142",
    input_mode="statement_pdf",     # one format per analysis
    enrich=True,                    # optional: enrich every transaction
)
print(analysis.id, analysis.features)

JSON mode, when transactions are already on hand:

analysis = client.analyze(
    applicant_id="loan-2026-0142",
    input_mode="raw",
    accounts=[{
        "account_id": "main",
        "currency": "EUR",
        "opening_balance": 1500.0,
        "transactions": [
            {"date": "2026-05-01", "amount": 2500.0, "descriptor_raw": "INVOICE 1001 ACME BV"},
            {"date": "2026-05-15", "amount": -1200.0, "descriptor_raw": "RENT MAY OFFICE"},
        ],
    }],
)

Fetch a stored analysis later with client.get_analysis(analysis_id).

Note: enrichment is self-serve; underwriting endpoints are enabled per organization. Contact sales for access.

Errors

Every non-2xx raises DistyraError with the parsed envelope:

from distyra import Distyra, DistyraError

try:
    client.enrich(descriptor="...")
except DistyraError as e:
    print(e.status_code, e.error, e.detail)

Beyond the wrapper

The full generated client (every endpoint, typed models) ships in the same distribution as distyra_api_client. The wrapper's .raw attribute is a ready-authenticated instance:

from distyra_api_client.api.catalog import get_categories

categories = get_categories.sync(client=client.raw)

Development

This package lives in the Distyra monorepo at packages/saas-sdk-python/. The distyra_api_client package is generated from the committed OpenAPI snapshot — do not edit it by hand:

npm run snapshot -w @brightfield/saas-api   # refresh openapi.json from source
bash scripts/generate-python-sdk.sh         # regenerate distyra_api_client
bash scripts/test-python-sdk.sh             # build wheel + smoke