distyra

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

pip install distyra

What Distyra is

Transaction enrichment and SME cash-flow underwriting for Europe, run on EU infrastructure. It turns a raw bank descriptor into a merchant or an institutional counterparty (tax authorities, pension funds, social-security bodies, utilities), a category, and a transaction type.

• Published pricing, no sales call. 10,000 transactions a month free, then €0.003 each pay-as-you-go, or €99 a month for 100,000 included. Bank connections are €5 per connection per month, the first one free. Full table: https://www.distyra.eu/pricing
• Optional PSD2 bank access from the same vendor and the same API, so a connection can go straight through enrichment. The live bank and country list is at https://api.distyra.com/v1/connect/coverage.
• Europe only. The United Kingdom is not covered.
• EU-hosted. Compute, storage and edge are in the EU. One processing exception is declared and scoped in the DPA: https://www.distyra.eu/dpa

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",
)
# merchant is None for non-merchant transactions (bank fees, transfers), so guard it.
print(result.merchant.name if result.merchant else "(no merchant)")  # "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.

Handling unknown merchants (eventual consistency)

The first time a brand-new merchant is enriched, the result may be unresolved (result.resolution.status other than resolved). The system then discovers and confirms that merchant in the background, so the same descriptor resolves shortly after, for every caller, with no model call.

Read result.resolution.retry_after:

• A number (seconds) means a confirmed answer is likely coming. Retry the same descriptor once after that delay, or just let your next natural re-sync pick it up.
• None means the result is definitive; no retry will help.

result = client.enrich(descriptor="TIMECHIMP UREN UTRECHT NL", country_hint="NL")
if result.resolution.status != "resolved" and result.resolution.retry_after is not None:
    # retry once after result.resolution.retry_after seconds, or wait for your next sync
    ...

resolution.retryable is a different signal: True only for a transient backend error (timed_out / transient_error), which you retry within seconds. Full guide: https://api.distyra.com/docs.

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)

Verifying webhooks

Distyra signs every webhook delivery with a Stripe-shape header:

X-Distyra-Signature: t=<unix>,v1=<hmac_sha256_hex>

verify_webhook checks it (HMAC-SHA256 over "<t>.<raw_body>", keyed by the endpoint's signing secret, with replay protection). Always verify against the raw request body, before JSON parsing.

from distyra import verify_webhook

# Flask
@app.post("/webhooks/distyra")
def distyra_webhook():
    raw = request.get_data()  # exact bytes, before request.get_json()
    if not verify_webhook(WEBHOOK_SECRET, raw, request.headers.get("X-Distyra-Signature")):
        abort(400)
    event = request.get_json()
    # ... handle event ...
    return "", 200

verify_webhook(secret, raw_body, signature_header, *, tolerance_seconds=300) returns True only when the signature is valid and the timestamp is fresh. The default replay window is 5 minutes. Stdlib only (hmac/hashlib).

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