> ## Documentation Index > Fetch the complete documentation index at: https://docs.smartcomply.com/llms.txt > Use this file to discover all available pages before exploring further. # Vérification de fraude de prêt individuelle > Évaluez le risque de fraude d'une demande de prêt individuelle à l'aide des données du demandeur et des informations de rapport de crédit en temps réel. 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 ```bash cURL theme={null} 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`) | ```json theme={null} { "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 ```json theme={null} { "status": "failed", "data": [], "message": "Sorry, your check cannot be processed at the moment. Please try again in a few minutes" } ``` ### 401 Unauthorized ```json theme={null} { "status": "failed", "message": "Authentication credentials were not provided." } ``` ## OpenAPI ````yaml POST /api/v1/loan/fraud_check/ openapi: 3.0.3 info: title: Adhere API description: >- Identity verification, credit checks, transaction monitoring, and loan fraud detection across Africa. version: 3.0.0 servers: - url: https://adhere-api.smartcomply.com description: Production security: - ApiKeyAuth: [] tags: - name: Nigeria KYC - name: Kenya KYC - name: Ghana KYC - name: Rwanda KYC - name: Uganda KYC - name: Document Verification - name: Biometrics - name: Individual Credit - name: Business Credit - name: Transaction Monitoring - name: Transaction Screening - name: Transaction KYC - name: Loan Fraud - name: User Journey paths: /api/v1/loan/fraud_check/: post: tags: - Loan Fraud summary: Loan Fraud Check operationId: loanFraudCheck requestBody: required: true content: multipart/form-data: schema: type: object required: - loan_amount_requested - loan_repayment_duration_type - loan_repayment_duration_value - collateral_required properties: first_name: type: string description: Individual applicant first name last_name: type: string business_name: type: string description: Business name (business applications only) date_of_birth: type: string format: date gender: type: string enum: - male - female country: type: string example: Nigeria current_address: type: string business_address: type: string identifier: type: number description: >- Customer or business identifier value (e.g. BVN for a Nigeria individual, RC number for a Nigeria business, a Kenya national ID number). example: 22244545518 identifier_type: type: string description: >- Key of the identifier type (e.g. bvn, rc_number, national_id, ghana_card). example: bvn phone_number: type: string email_address: type: string format: email employment_type: type: string job_role: type: string employer_name: type: string annual_income: type: number annual_revenue: type: number description: Annual revenue (business only) employment_duration: type: string bank_name: type: string account_number: type: string loan_amount_requested: type: number example: 100000 purpose_of_loan: type: string loan_repayment_duration_type: type: string enum: - weeks - months - years loan_repayment_duration_value: type: integer example: 6 collateral_required: type: boolean default: false collateral: type: string is_individual: type: boolean description: Set true for individual applications is_business: type: boolean description: Set true for business applications run_aml_check: type: boolean default: false responses: '200': description: Loan fraud check processed '400': $ref: '#/components/responses/BadRequest' '401': $ref: '#/components/responses/Unauthorized' components: responses: BadRequest: description: Bad Request content: application/json: schema: type: object properties: status: type: string example: failed data: type: array items: {} message: type: string Unauthorized: description: Unauthorized content: application/json: schema: type: object properties: status: type: string example: failed message: type: string example: Authentication credentials were not provided. securitySchemes: ApiKeyAuth: type: apiKey in: header name: x-access-token description: Your Adhere API secret key ````