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POST
/
api
/
v1
/
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 'rc_number=<string>' \
  --form date_of_birth=2023-12-25 \
  --form country=Nigeria \
  --form 'current_address=<string>' \
  --form 'business_address=<string>' \
  --form identification_type=Passport \
  --form 'identification_number=<string>' \
  --form 'bvn=<string>' \
  --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
{
  "status": "failed",
  "data": [
    "<unknown>"
  ],
  "message": "<string>"
}

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.

The Individual Loan Fraud Check endpoint evaluates a loan application by combining submitted applicant data with real-time credit bureau information. The response includes a fraud risk score, a recommendation, and a breakdown of key financial metrics used in the assessment.

​
Endpoint

POST /api/v1/loan/fraud_check/

​
Request

​
Headers

HeaderValueRequired
x-access-tokenYour API secret keyYes
Content-Typemultipart/form-dataYes

​
Body Parameters

ParameterTypeRequiredDescription
first_namestringYesApplicant’s first name
last_namestringYesApplicant’s last name
date_of_birthstringYesDate of birth in YYYY-MM-DD format
genderstringYesGender (e.g., male, female)
countrystringYesCountry of residence
current_addressstringYesCurrent residential address
duration_of_staystringYesDuration at current address (e.g., 5 years)
identification_typestringYesID type (e.g., Passport, NIN)
identification_numberstringYesID number
bvnstringYes11-digit Bank Verification Number
phone_numberstringYesPhone number with country code
email_addressstringYesApplicant’s email address
employment_typestringYesEmployment type (e.g., Full-time, Self-employed)
job_rolestringYesJob title or role
employer_namestringYesName of employer
employer_addressstringYesEmployer’s address
annual_incomenumberYesAnnual income in local currency
employment_durationstringYesLength of current employment
loan_amount_requestednumberYesRequested loan amount
purpose_of_loanstringYesPurpose of the loan
loan_repayment_duration_typestringYesRepayment period unit: weeks, months, or years
loan_repayment_duration_valueintegerYesNumber of repayment periods
collateral_requiredbooleanYesWhether collateral is being offered
collateralstringNoDescription of collateral if applicable
is_individualbooleanYesMust be true for individual checks
run_aml_checkbooleanNoRun an AML check on the applicant. Defaults to false

​
Example

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 "current_address=12 Ojuelegba St" \
  -F "duration_of_stay=5 years" \
  -F "identification_type=Passport" \
  -F "identification_number=A123456789" \
  -F "bvn=12345678901" \
  -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"

​
Response

​
200 OK

FieldTypeDescription
data.idnumberInternal record ID
data.fraud_risk_scorenumberOverall fraud risk score (0–100; higher = greater risk)
data.recommendationstringNarrative assessment and guidance for loan decision
data.key_financial_analysis.income_stabilityobjectIncome stability assessment with risk score and observation
data.key_financial_analysis.repayment_durationobjectRepayment timeline assessment
data.key_financial_analysis.collateral_coverageobjectLoan-to-collateral ratio and observation
data.key_financial_analysis.debt_serviceabilityobjectAssessment of whether income can cover repayments
data.key_financial_analysis.debt_to_income_ratioobjectDebt service ratio vs the 40% threshold
data.historyobjectCredit bureau history: total loans, delinquencies, outstanding amounts
data.statusstringProcessing status (e.g., 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",
    "identification_type": "Passport",
    "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."
}

Authorizations

​
x-access-token
string
header
required

Your Adhere API secret key

Body

multipart/form-data
​
loan_amount_requested
number
required
Example:

100000

​
loan_repayment_duration_type
enum<string>
required
Available options:
weeks,
months,
years
​
loan_repayment_duration_value
integer
required
Example:

6

​
collateral_required
boolean
default:false
required
​
first_name
string

Individual applicant first name

​
last_name
string
​
business_name
string

Business name (business applications only)

​
rc_number
string

CAC registration number (business only)

​
date_of_birth
string<date>
​
gender
enum<string>
Available options:
male,
female
​
country
string
Example:

"Nigeria"

​
current_address
string
​
business_address
string
​
identification_type
string
Example:

"Passport"

​
identification_number
string
​
bvn
string
​
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
default:false

Response

Loan fraud check processed