Vérification de fraude de prêt individuelle

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 individuelle évalue une demande de prêt en combinant les données soumises du demandeur avec des informations de crédit en temps réel. La réponse comprend un score de risque de fraude, une recommandation et une ventilation des principales métriques financières utilisées dans l’évaluation.

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
`first_name`	string	Oui	Prénom du demandeur
`last_name`	string	Oui	Nom de famille du demandeur
`date_of_birth`	string	Oui	Date de naissance au format `YYYY-MM-DD`
`gender`	string	Oui	Genre (p. ex., `male`, `female`)
`country`	string	Oui	Pays de résidence
`identifier`	number	Non	Valeur d’identifiant du client (p. ex. BVN pour le Nigéria, un numéro de national ID kenyan)
`identifier_type`	string	Non	Clé du type d’identifiant (p. ex. `bvn`, `national_id`, `ghana_card`)
`current_address`	string	Oui	Adresse résidentielle actuelle
`duration_of_stay`	string	Oui	Durée à l’adresse actuelle (p. ex., `5 years`)
`phone_number`	string	Oui	Numéro de téléphone avec indicatif du pays
`email_address`	string	Oui	Adresse e-mail du demandeur
`employment_type`	string	Oui	Type d’emploi (p. ex., `Full-time`, `Self-employed`)
`job_role`	string	Oui	Intitulé ou fonction du poste
`employer_name`	string	Oui	Nom de l’employeur
`employer_address`	string	Oui	Adresse de l’employeur
`annual_income`	number	Oui	Revenu annuel en monnaie locale
`employment_duration`	string	Oui	Durée de l’emploi actuel
`loan_amount_requested`	number	Oui	Montant de prêt demandé
`purpose_of_loan`	string	Oui	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
`collateral`	string	Non	Description de la garantie le cas échéant
`is_individual`	boolean	Oui	Doit être `true` pour les vérifications individuelles
`run_aml_check`	boolean	Non	Exécutez une vérification AML sur le demandeur. 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 "first_name=John" \
  -F "last_name=Doe" \
  -F "date_of_birth=1980-01-01" \
  -F "gender=male" \
  -F "country=Nigeria" \
  -F "identifier=12345678901" \
  -F "identifier_type=bvn" \
  -F "current_address=12 Ojuelegba St" \
  -F "duration_of_stay=5 years" \
  -F "phone_number=+2349105678901" \
  -F "email_address=john.doe@example.com" \
  -F "employment_type=Full-time" \
  -F "job_role=Engineer" \
  -F "employer_name=Smartcomply" \
  -F "employer_address=47 Karimu Ikotun Cl, Yaba, Lagos" \
  -F "annual_income=350000" \
  -F "employment_duration=2 years" \
  -F "loan_amount_requested=100000" \
  -F "purpose_of_loan=Personal Development" \
  -F "loan_repayment_duration_type=weeks" \
  -F "loan_repayment_duration_value=7" \
  -F "collateral_required=false" \
  -F "is_individual=true" \
  -F "run_aml_check=false"

Réponse

200 OK

Champ	Type	Description
`data.id`	number	Identifiant interne de l’enregistrement
`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	Évaluation de la stabilité des revenus avec score de risque et observation
`data.key_financial_analysis.repayment_duration`	object	Évaluation de l’échéancier de remboursement
`data.key_financial_analysis.collateral_coverage`	object	Ratio prêt/garantie et observation
`data.key_financial_analysis.debt_serviceability`	object	Évaluation de la capacité des revenus à couvrir les remboursements
`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 du bureau de crédit : prêts totaux, impayés, montants dus
`data.status`	string	Statut de traitement (p. ex., `reviewed`)

{
  "status": "success",
  "data": {
    "id": 101,
    "first_name": "John",
    "last_name": "Doe",
    "date_of_birth": "1980-01-01",
    "country": "Nigeria",
    "current_address": "12 Ojuelegba St",
    "identifier": "12345678901",
    "identifier_type_name": "bvn",
    "bvn": "12345678901",
    "loan_amount_requested": "15000.00",
    "fraud_risk_score": 80,
    "recommendation": "The applicant, John Doe, has applied for a loan of ₦100,000.00. The applicant's total fraud risk score is 80, which is relatively high and warrants further investigation before loan approval.",
    "key_financial_analysis": {
      "income_stability": {
        "risk_score": 100,
        "data_source": "submitted data (estimated)",
        "monthly_income": "29166.67",
        "monthly_expenses": "23333.33",
        "disposable_income": "5833.33",
        "observation": "Disposable ratio of 20% indicates a small buffer between income and expenses."
      },
      "repayment_duration": {
        "risk_score": 70,
        "repayment_duration": "Within 1.75 months"
      },
      "collateral_coverage": {
        "risk_score": 80,
        "loan_amount": "100000.00",
        "collateral_value": "0.00",
        "loan_to_collateral_ratio": "0.00%",
        "observation": "The loan is entirely unsecured."
      },
      "debt_serviceability": {
        "risk_score": 60,
        "loan_amount": "100000.00",
        "total_repayment": "104000.0000",
        "observation": "Monthly repayment significantly exceeds monthly income."
      },
      "debt_to_income_ratio": {
        "risk_score": 90,
        "debt_service_ratio": "203.76%",
        "observation": "Debt Service Ratio exceeds the 40% threshold significantly."
      }
    },
    "history": {
      "totalNoOfLoans": 16,
      "totalNoOfInstitutions": 5,
      "totalNoOfActiveLoans": 1,
      "totalNoOfClosedLoans": 15,
      "totalNoOfPerformingLoans": 16,
      "totalNoOfDelinquentFacilities": 0,
      "highestLoanAmount": 1134330,
      "totalBorrowed": 3761267,
      "totalOutstanding": 0,
      "totalOverdue": 0
    },
    "is_individual": true,
    "is_business": false,
    "status": "reviewed",
    "date_created": "2025-03-28T03:08:47.170109Z"
  },
  "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