Abstract: The present technology provides solutions for determining transaction insights regarding a subject entity and on behalf of an inquiring entity. An exemplary method includes receiving an Application Programming Interface (API) communication calling an API, determining that the inquiring entity is permitted to access the transaction insights for the use case associated with the API, collecting data for the parameters in the defined in the API communication to yield collected data, analyzing the collected data to derive the transaction insights including at least one risk insight score and at least one reason code associated with the risk insight score, and providing a data pack of the transaction insights in a responsive communication to the inquiring entity.