Full wallet risk profile in one call: behavior classification + credit score (0-100) + labeled-counterparty exposure (last N days, default 7)

Full wallet risk profile in one call: behavior classification + credit score (0-100) + labeled-counterparty exposure (last N days, default 7). Returns verdict (low_risk/medium_risk/high_risk/flagged), risk_score, primary_tag, red_flags (zero-history, sanctioned/mixer/scam), plus identity/credit/exposure detail. Replaces classify+score+exposure in one paid call. For AI agent due diligence and payment-routing risk gating.