> ## 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. # Individual Loan Fraud Check > Assess the fraud risk of an individual loan application using applicant data and real-time credit report information. 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 | Header | Value | Required | | - | - | - | | `x-access-token` | Your API secret key | Yes | | `Content-Type` | `multipart/form-data` | Yes | ### Body Parameters | Parameter | Type | Required | Description | | - | - | - | - | | `first_name` | string | Yes | Applicant's first name | | `last_name` | string | Yes | Applicant's last name | | `date_of_birth` | string | Yes | Date of birth in `YYYY-MM-DD` format | | `gender` | string | Yes | Gender (e.g., `male`, `female`) | | `country` | string | Yes | Country of residence | | `identifier` | number | No | Customer identifier value (e.g. BVN for Nigeria, a Kenya national ID number) | | `identifier_type` | string | No | Key of the identifier type (e.g. `bvn`, `national_id`, `ghana_card`) | | `current_address` | string | Yes | Current residential address | | `duration_of_stay` | string | Yes | Duration at current address (e.g., `5 years`) | | `phone_number` | string | Yes | Phone number with country code | | `email_address` | string | Yes | Applicant's email address | | `employment_type` | string | Yes | Employment type (e.g., `Full-time`, `Self-employed`) | | `job_role` | string | Yes | Job title or role | | `employer_name` | string | Yes | Name of employer | | `employer_address` | string | Yes | Employer's address | | `annual_income` | number | Yes | Annual income in local currency | | `employment_duration` | string | Yes | Length of current employment | | `loan_amount_requested` | number | Yes | Requested loan amount | | `purpose_of_loan` | string | Yes | Purpose of the loan | | `loan_repayment_duration_type` | string | Yes | Repayment period unit: `weeks`, `months`, or `years` | | `loan_repayment_duration_value` | integer | Yes | Number of repayment periods | | `collateral_required` | boolean | Yes | Whether collateral is being offered | | `collateral` | string | No | Description of collateral if applicable | | `is_individual` | boolean | Yes | Must be `true` for individual checks | | `run_aml_check` | boolean | No | Run an AML check on the applicant. Defaults to `false` | ### Example ```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" ``` ## Response ### 200 OK | Field | Type | Description | | - | - | - | | `data.id` | number | Internal record ID | | `data.fraud_risk_score` | number | Overall fraud risk score (0–100; higher = greater risk) | | `data.recommendation` | string | Narrative assessment and guidance for loan decision | | `data.key_financial_analysis.income_stability` | object | Income stability assessment with risk score and observation | | `data.key_financial_analysis.repayment_duration` | object | Repayment timeline assessment | | `data.key_financial_analysis.collateral_coverage` | object | Loan-to-collateral ratio and observation | | `data.key_financial_analysis.debt_serviceability` | object | Assessment of whether income can cover repayments | | `data.key_financial_analysis.debt_to_income_ratio` | object | Debt service ratio vs the 40% threshold | | `data.history` | object | Credit bureau history: total loans, delinquencies, outstanding amounts | | `data.status` | string | Processing status (e.g., `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 ```` This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.