Vérification de fraude de prêt professionnelle

Loan Fraud Check

curl --request POST \
  --url https://adhere-api.smartcomply.com/api/v1/loan/fraud_check/ \
  --header 'Content-Type: multipart/form-data' \
  --header 'x-access-token: <api-key>' \
  --form loan_amount_requested=100000 \
  --form loan_repayment_duration_value=6 \
  --form collateral_required=false \
  --form 'first_name=<string>' \
  --form 'last_name=<string>' \
  --form 'business_name=<string>' \
  --form date_of_birth=2023-12-25 \
  --form country=Nigeria \
  --form 'current_address=<string>' \
  --form 'business_address=<string>' \
  --form identifier=22244545518 \
  --form identifier_type=bvn \
  --form 'phone_number=<string>' \
  --form email_address=jsmith@example.com \
  --form 'employment_type=<string>' \
  --form 'job_role=<string>' \
  --form 'employer_name=<string>' \
  --form annual_income=123 \
  --form annual_revenue=123 \
  --form 'employment_duration=<string>' \
  --form 'bank_name=<string>' \
  --form 'account_number=<string>' \
  --form 'purpose_of_loan=<string>' \
  --form 'collateral=<string>' \
  --form is_individual=true \
  --form is_business=true \
  --form run_aml_check=false

import requests

url = "https://adhere-api.smartcomply.com/api/v1/loan/fraud_check/"

payload = "-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_amount_requested\"\r\n\r\n100000\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_repayment_duration_value\"\r\n\r\n6\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral_required\"\r\n\r\nfalse\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"first_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"last_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"date_of_birth\"\r\n\r\n2023-12-25\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"country\"\r\n\r\nNigeria\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"current_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identifier\"\r\n\r\n22244545518\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identifier_type\"\r\n\r\nbvn\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"phone_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"email_address\"\r\n\r\njsmith@example.com\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_type\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"job_role\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employer_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_income\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_revenue\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_duration\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bank_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"account_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"purpose_of_loan\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_individual\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_business\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"run_aml_check\"\r\n\r\nfalse\r\n-----011000010111000001101001--"
headers = {
    "x-access-token": "<api-key>",
    "Content-Type": "multipart/form-data"
}

response = requests.post(url, data=payload, headers=headers)

print(response.text)

const form = new FormData();
form.append('loan_amount_requested', '100000');
form.append('loan_repayment_duration_value', '6');
form.append('collateral_required', 'false');
form.append('first_name', '<string>');
form.append('last_name', '<string>');
form.append('business_name', '<string>');
form.append('date_of_birth', '2023-12-25');
form.append('country', 'Nigeria');
form.append('current_address', '<string>');
form.append('business_address', '<string>');
form.append('identifier', '22244545518');
form.append('identifier_type', 'bvn');
form.append('phone_number', '<string>');
form.append('email_address', 'jsmith@example.com');
form.append('employment_type', '<string>');
form.append('job_role', '<string>');
form.append('employer_name', '<string>');
form.append('annual_income', '123');
form.append('annual_revenue', '123');
form.append('employment_duration', '<string>');
form.append('bank_name', '<string>');
form.append('account_number', '<string>');
form.append('purpose_of_loan', '<string>');
form.append('collateral', '<string>');
form.append('is_individual', 'true');
form.append('is_business', 'true');
form.append('run_aml_check', 'false');

const options = {method: 'POST', headers: {'x-access-token': '<api-key>'}};

options.body = form;

fetch('https://adhere-api.smartcomply.com/api/v1/loan/fraud_check/', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://adhere-api.smartcomply.com/api/v1/loan/fraud_check/",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => "-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_amount_requested\"\r\n\r\n100000\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_repayment_duration_value\"\r\n\r\n6\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral_required\"\r\n\r\nfalse\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"first_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"last_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"date_of_birth\"\r\n\r\n2023-12-25\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"country\"\r\n\r\nNigeria\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"current_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identifier\"\r\n\r\n22244545518\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identifier_type\"\r\n\r\nbvn\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"phone_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"email_address\"\r\n\r\njsmith@example.com\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_type\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"job_role\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employer_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_income\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_revenue\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_duration\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bank_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"account_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"purpose_of_loan\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_individual\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_business\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"run_aml_check\"\r\n\r\nfalse\r\n-----011000010111000001101001--",
  CURLOPT_HTTPHEADER => [
    "Content-Type: multipart/form-data",
    "x-access-token: <api-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://adhere-api.smartcomply.com/api/v1/loan/fraud_check/"

	payload := strings.NewReader("-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_amount_requested\"\r\n\r\n100000\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_repayment_duration_value\"\r\n\r\n6\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral_required\"\r\n\r\nfalse\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"first_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"last_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"date_of_birth\"\r\n\r\n2023-12-25\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"country\"\r\n\r\nNigeria\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"current_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identifier\"\r\n\r\n22244545518\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identifier_type\"\r\n\r\nbvn\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"phone_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"email_address\"\r\n\r\njsmith@example.com\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_type\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"job_role\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employer_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_income\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_revenue\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_duration\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bank_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"account_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"purpose_of_loan\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_individual\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_business\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"run_aml_check\"\r\n\r\nfalse\r\n-----011000010111000001101001--")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("x-access-token", "<api-key>")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://adhere-api.smartcomply.com/api/v1/loan/fraud_check/")
  .header("x-access-token", "<api-key>")
  .body("-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_amount_requested\"\r\n\r\n100000\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_repayment_duration_value\"\r\n\r\n6\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral_required\"\r\n\r\nfalse\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"first_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"last_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"date_of_birth\"\r\n\r\n2023-12-25\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"country\"\r\n\r\nNigeria\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"current_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identifier\"\r\n\r\n22244545518\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identifier_type\"\r\n\r\nbvn\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"phone_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"email_address\"\r\n\r\njsmith@example.com\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_type\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"job_role\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employer_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_income\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_revenue\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_duration\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bank_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"account_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"purpose_of_loan\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_individual\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_business\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"run_aml_check\"\r\n\r\nfalse\r\n-----011000010111000001101001--")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://adhere-api.smartcomply.com/api/v1/loan/fraud_check/")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["x-access-token"] = '<api-key>'
request.body = "-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_amount_requested\"\r\n\r\n100000\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_repayment_duration_value\"\r\n\r\n6\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral_required\"\r\n\r\nfalse\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"first_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"last_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"date_of_birth\"\r\n\r\n2023-12-25\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"country\"\r\n\r\nNigeria\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"current_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identifier\"\r\n\r\n22244545518\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identifier_type\"\r\n\r\nbvn\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"phone_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"email_address\"\r\n\r\njsmith@example.com\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_type\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"job_role\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employer_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_income\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_revenue\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_duration\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bank_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"account_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"purpose_of_loan\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_individual\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_business\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"run_aml_check\"\r\n\r\nfalse\r\n-----011000010111000001101001--"

response = http.request(request)
puts response.read_body

{
  "status": "failed",
  "data": [
    "<unknown>"
  ],
  "message": "<string>"
}

{
  "status": "failed",
  "message": "Authentication credentials were not provided."
}

POST

api

loan

fraud_check

Loan Fraud Check

curl --request POST \
  --url https://adhere-api.smartcomply.com/api/v1/loan/fraud_check/ \
  --header 'Content-Type: multipart/form-data' \
  --header 'x-access-token: <api-key>' \
  --form loan_amount_requested=100000 \
  --form loan_repayment_duration_value=6 \
  --form collateral_required=false \
  --form 'first_name=<string>' \
  --form 'last_name=<string>' \
  --form 'business_name=<string>' \
  --form date_of_birth=2023-12-25 \
  --form country=Nigeria \
  --form 'current_address=<string>' \
  --form 'business_address=<string>' \
  --form identifier=22244545518 \
  --form identifier_type=bvn \
  --form 'phone_number=<string>' \
  --form email_address=jsmith@example.com \
  --form 'employment_type=<string>' \
  --form 'job_role=<string>' \
  --form 'employer_name=<string>' \
  --form annual_income=123 \
  --form annual_revenue=123 \
  --form 'employment_duration=<string>' \
  --form 'bank_name=<string>' \
  --form 'account_number=<string>' \
  --form 'purpose_of_loan=<string>' \
  --form 'collateral=<string>' \
  --form is_individual=true \
  --form is_business=true \
  --form run_aml_check=false

import requests

url = "https://adhere-api.smartcomply.com/api/v1/loan/fraud_check/"

payload = "-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_amount_requested\"\r\n\r\n100000\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_repayment_duration_value\"\r\n\r\n6\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral_required\"\r\n\r\nfalse\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"first_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"last_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"date_of_birth\"\r\n\r\n2023-12-25\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"country\"\r\n\r\nNigeria\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"current_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identifier\"\r\n\r\n22244545518\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identifier_type\"\r\n\r\nbvn\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"phone_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"email_address\"\r\n\r\njsmith@example.com\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_type\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"job_role\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employer_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_income\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_revenue\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_duration\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bank_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"account_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"purpose_of_loan\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_individual\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_business\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"run_aml_check\"\r\n\r\nfalse\r\n-----011000010111000001101001--"
headers = {
    "x-access-token": "<api-key>",
    "Content-Type": "multipart/form-data"
}

response = requests.post(url, data=payload, headers=headers)

print(response.text)

const form = new FormData();
form.append('loan_amount_requested', '100000');
form.append('loan_repayment_duration_value', '6');
form.append('collateral_required', 'false');
form.append('first_name', '<string>');
form.append('last_name', '<string>');
form.append('business_name', '<string>');
form.append('date_of_birth', '2023-12-25');
form.append('country', 'Nigeria');
form.append('current_address', '<string>');
form.append('business_address', '<string>');
form.append('identifier', '22244545518');
form.append('identifier_type', 'bvn');
form.append('phone_number', '<string>');
form.append('email_address', 'jsmith@example.com');
form.append('employment_type', '<string>');
form.append('job_role', '<string>');
form.append('employer_name', '<string>');
form.append('annual_income', '123');
form.append('annual_revenue', '123');
form.append('employment_duration', '<string>');
form.append('bank_name', '<string>');
form.append('account_number', '<string>');
form.append('purpose_of_loan', '<string>');
form.append('collateral', '<string>');
form.append('is_individual', 'true');
form.append('is_business', 'true');
form.append('run_aml_check', 'false');

const options = {method: 'POST', headers: {'x-access-token': '<api-key>'}};

options.body = form;

fetch('https://adhere-api.smartcomply.com/api/v1/loan/fraud_check/', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://adhere-api.smartcomply.com/api/v1/loan/fraud_check/",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => "-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_amount_requested\"\r\n\r\n100000\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_repayment_duration_value\"\r\n\r\n6\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral_required\"\r\n\r\nfalse\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"first_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"last_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"date_of_birth\"\r\n\r\n2023-12-25\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"country\"\r\n\r\nNigeria\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"current_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identifier\"\r\n\r\n22244545518\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identifier_type\"\r\n\r\nbvn\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"phone_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"email_address\"\r\n\r\njsmith@example.com\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_type\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"job_role\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employer_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_income\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_revenue\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_duration\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bank_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"account_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"purpose_of_loan\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_individual\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_business\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"run_aml_check\"\r\n\r\nfalse\r\n-----011000010111000001101001--",
  CURLOPT_HTTPHEADER => [
    "Content-Type: multipart/form-data",
    "x-access-token: <api-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://adhere-api.smartcomply.com/api/v1/loan/fraud_check/"

	payload := strings.NewReader("-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_amount_requested\"\r\n\r\n100000\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_repayment_duration_value\"\r\n\r\n6\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral_required\"\r\n\r\nfalse\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"first_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"last_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"date_of_birth\"\r\n\r\n2023-12-25\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"country\"\r\n\r\nNigeria\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"current_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identifier\"\r\n\r\n22244545518\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identifier_type\"\r\n\r\nbvn\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"phone_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"email_address\"\r\n\r\njsmith@example.com\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_type\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"job_role\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employer_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_income\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_revenue\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_duration\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bank_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"account_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"purpose_of_loan\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_individual\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_business\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"run_aml_check\"\r\n\r\nfalse\r\n-----011000010111000001101001--")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("x-access-token", "<api-key>")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://adhere-api.smartcomply.com/api/v1/loan/fraud_check/")
  .header("x-access-token", "<api-key>")
  .body("-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_amount_requested\"\r\n\r\n100000\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_repayment_duration_value\"\r\n\r\n6\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral_required\"\r\n\r\nfalse\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"first_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"last_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"date_of_birth\"\r\n\r\n2023-12-25\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"country\"\r\n\r\nNigeria\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"current_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identifier\"\r\n\r\n22244545518\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identifier_type\"\r\n\r\nbvn\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"phone_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"email_address\"\r\n\r\njsmith@example.com\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_type\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"job_role\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employer_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_income\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_revenue\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_duration\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bank_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"account_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"purpose_of_loan\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_individual\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_business\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"run_aml_check\"\r\n\r\nfalse\r\n-----011000010111000001101001--")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://adhere-api.smartcomply.com/api/v1/loan/fraud_check/")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["x-access-token"] = '<api-key>'
request.body = "-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_amount_requested\"\r\n\r\n100000\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"loan_repayment_duration_value\"\r\n\r\n6\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral_required\"\r\n\r\nfalse\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"first_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"last_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"date_of_birth\"\r\n\r\n2023-12-25\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"country\"\r\n\r\nNigeria\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"current_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"business_address\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identifier\"\r\n\r\n22244545518\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"identifier_type\"\r\n\r\nbvn\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"phone_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"email_address\"\r\n\r\njsmith@example.com\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_type\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"job_role\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employer_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_income\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"annual_revenue\"\r\n\r\n123\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"employment_duration\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"bank_name\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"account_number\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"purpose_of_loan\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"collateral\"\r\n\r\n<string>\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_individual\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"is_business\"\r\n\r\ntrue\r\n-----011000010111000001101001\r\nContent-Disposition: form-data; name=\"run_aml_check\"\r\n\r\nfalse\r\n-----011000010111000001101001--"

response = http.request(request)
puts response.read_body

{
  "status": "failed",
  "data": [
    "<unknown>"
  ],
  "message": "<string>"
}

{
  "status": "failed",
  "message": "Authentication credentials were not provided."
}

L’endpoint Vérification de fraude de prêt professionnelle évalue une demande de prêt émanant d’une entité commerciale, en combinant les informations d’entreprise soumises avec les données du bureau de crédit pour produire un score de risque de fraude et une analyse financière.

Endpoint

POST /api/v1/loan/fraud_check/

Requête

En-têtes

En-tête	Valeur	Requis
`x-access-token`	Votre clé secrète API	Oui
`Content-Type`	`multipart/form-data`	Oui

Paramètres de corps

Paramètre	Type	Requis	Description
`business_name`	string	Oui	Nom enregistré de l’entreprise
`business_address`	string	Oui	Adresse de l’entreprise
`city`	string	Oui	Ville de l’entreprise
`country`	string	Oui	Pays de l’entreprise
`identifier`	number	Non	Valeur d’identifiant de l’entreprise (p. ex. numéro RC pour le Nigéria)
`identifier_type`	string	Non	Clé du type d’identifiant (p. ex. `rc_number`)
`phone_number`	string	Oui	Numéro de téléphone de l’entreprise
`email_address`	string	Oui	Adresse e-mail de l’entreprise
`annual_revenue`	number	Oui	Chiffre d’affaires annuel en monnaie locale
`bank_name`	string	Oui	Nom de la banque de l’entreprise
`account_number`	string	Oui	Numéro de compte de l’entreprise
`loan_amount_requested`	number	Oui	Montant de prêt demandé
`purpose_of_loan`	string	Non	Objet du prêt
`loan_repayment_duration_type`	string	Oui	Unité de la durée de remboursement : `weeks`, `months` ou `years`
`loan_repayment_duration_value`	integer	Oui	Nombre de périodes de remboursement
`collateral_required`	boolean	Oui	Si une garantie est offerte
`is_business`	boolean	Oui	Doit être `true` pour les vérifications professionnelles
`run_aml_check`	boolean	Non	Exécutez une vérification AML. Par défaut `false`

Exemple

curl -X POST "https://adhere-api.smartcomply.com/api/v1/loan/fraud_check/" \
  -H "x-access-token: YOUR_SECRET_KEY" \
  -F "business_name=Heineken" \
  -F "business_address=23 Main Street, Marina" \
  -F "city=Lagos" \
  -F "country=Nigeria" \
  -F "identifier=RC-123456" \
  -F "identifier_type=rc_number" \
  -F "phone_number=2349012345678" \
  -F "email_address=business@example.com" \
  -F "annual_revenue=12345678" \
  -F "bank_name=Access Bank" \
  -F "account_number=1234567890" \
  -F "loan_amount_requested=1000000" \
  -F "loan_repayment_duration_type=months" \
  -F "loan_repayment_duration_value=5" \
  -F "collateral_required=false" \
  -F "is_business=true" \
  -F "run_aml_check=false"

Réponse

200 OK

Champ	Type	Description
`data.id`	number	Identifiant interne de l’enregistrement
`data.business_name`	string	Nom de l’entreprise issu de la demande
`data.fraud_risk_score`	number	Score global de risque de fraude (0–100 ; plus élevé = risque plus grand)
`data.recommendation`	string	Évaluation narrative et consignes pour la décision de prêt
`data.key_financial_analysis.income_stability`	object	Stabilité des revenus avec ratio de revenu disponible
`data.key_financial_analysis.repayment_duration`	object	Évaluation de l’échéancier de remboursement
`data.key_financial_analysis.collateral_coverage`	object	Ratio prêt/garantie
`data.key_financial_analysis.debt_serviceability`	object	Capacité à assurer le service de la dette à partir du chiffre d’affaires
`data.key_financial_analysis.debt_to_income_ratio`	object	Ratio de service de la dette par rapport au seuil de 40 %
`data.history`	object	Historique de crédit : prêts totaux, impayés, montants dus
`data.status`	string	Statut de traitement (p. ex., `reviewed`)

{
  "status": "Success",
  "data": {
    "id": 567,
    "business_name": "Heineken",
    "country": "Nigeria",
    "city": "Lagos",
    "business_address": "23 Main Street, Apapa",
    "identifier": "RC-123456",
    "identifier_type_name": "rc_number",
    "rc_number": "RC-123456",
    "phone_number": "2349012345678",
    "annual_revenue": "12345678.00",
    "loan_amount_requested": 1000000.00,
    "purpose_of_loan": "Business Expansion",
    "fraud_risk_score": 62,
    "recommendation": "The applicant is requesting a loan of ₦1,000,000.00. The applicant's total fraud risk score is 62, which needs to be evaluated against the lender's risk threshold.",
    "key_financial_analysis": {
      "income_stability": {
        "risk_score": 100,
        "data_source": "submitted data (estimated)",
        "monthly_income": "1028806.50",
        "monthly_expenses": "925925.85",
        "disposable_income": "102880.65",
        "observation": "Disposable ratio of 10% indicates limited buffer for unexpected expenses."
      },
      "repayment_duration": {
        "risk_score": 70,
        "repayment_duration": "Within 5 months"
      },
      "collateral_coverage": {
        "risk_score": 80,
        "loan_amount": "1000000.00",
        "collateral_value": "0.00",
        "loan_to_collateral_ratio": "0.00%",
        "observation": "The loan is entirely unsecured."
      },
      "debt_serviceability": {
        "risk_score": 30,
        "loan_amount": "1000000.00",
        "total_repayment": "1040000.0000",
        "observation": "Monthly repayment constitutes ~20% of monthly income, indicating manageable serviceability."
      },
      "debt_to_income_ratio": {
        "risk_score": 30,
        "debt_service_ratio": "20.22%",
        "observation": "Debt Service Ratio is below the 40% threshold, indicating low debt burden."
      }
    },
    "history": {
      "totalOverdue": 54931635,
      "totalBorrowed": 135582,
      "totalNoOfLoans": 9,
      "totalOutstanding": 54931635,
      "highestLoanAmount": 45194,
      "totalNoOfActiveLoans": 3,
      "totalNoOfClosedLoans": 6,
      "totalNoOfInstitutions": 2,
      "totalNoOfPerformingLoans": 6,
      "totalNoOfDelinquentFacilities": 3
    },
    "is_individual": false,
    "is_business": true,
    "status": "reviewed",
    "date_created": "2025-03-28T02:42:23.815369Z"
  },
  "message": "Loan fraud check processed successfully"
}

400 Bad Request

{
  "status": "failed",
  "data": [],
  "message": "Sorry, your check cannot be processed at the moment. Please try again in a few minutes"
}

401 Unauthorized

{
  "status": "failed",
  "message": "Authentication credentials were not provided."
}

Autorisations

x-access-token

string

header

requis

Your Adhere API secret key

Corps

multipart/form-data

loan_amount_requested

number

requis

Exemple:

100000

loan_repayment_duration_type

enum<string>

requis

Options disponibles:

weeks,

months,

years

loan_repayment_duration_value

integer

requis

Exemple:

6

collateral_required

boolean

défaut:false

requis

first_name

string

Individual applicant first name

last_name

string

business_name

string

Business name (business applications only)

date_of_birth

string<date>

gender

enum<string>

Options disponibles:

male,

female

country

string

Exemple:

"Nigeria"

current_address

string

business_address

string

identifier

number

Customer or business identifier value (e.g. BVN for a Nigeria individual, RC number for a Nigeria business, a Kenya national ID number).

Exemple:

22244545518

identifier_type

string

Key of the identifier type (e.g. bvn, rc_number, national_id, ghana_card).

Exemple:

"bvn"

phone_number

string

email_address

string<email>

employment_type

string

job_role

string

employer_name

string

annual_income

number

annual_revenue

number

Annual revenue (business only)

employment_duration

string

bank_name

string

account_number

string

purpose_of_loan

string

collateral

string

is_individual

boolean

Set true for individual applications

is_business

boolean

Set true for business applications

run_aml_check

boolean

défaut:false

Réponse

Loan fraud check processed

​Endpoint

​Requête

​En-têtes

​Paramètres de corps

​Exemple

​Réponse

​200 OK

​400 Bad Request

​401 Unauthorized

Autorisations

Corps

Réponse

Endpoint

Requête

En-têtes

Paramètres de corps

Exemple

Réponse

200 OK

400 Bad Request

401 Unauthorized