{"uid":"cap_YSGPmr23g3lcYIoX-05u5","slug":"verza-risk-score-south-african-multi-signal-identity-risk-scoring-2fab9ef8","name":"Verza Risk Score — South African Multi-Signal Identity Risk Scoring","description":"KYB and verification checks for South Africa: ID validation, VAT validation and NCA loan-agreement lawfulness checks against the Reg 42 interest caps. Free API key tier, or pay per call via x402 with no account.","url":"https://verza.dev/v1/risk-score?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"id":{"type":"string","description":"string, optional: a 13-digit SA identity number. At least two of phone, email, id, ip, declared_dob"},"ip":{"type":"string","description":"string, optional: an IPv4 or IPv6 address. At least two of phone, email, id, ip, declared_dob"},"email":{"type":"string","description":"string, optional: an email address, at most 254 characters. At least two of phone, email, id, ip, declared_dob"},"phone":{"type":"string","description":"string, optional: a South African phone number, at most 32 characters. At least two of phone, email, id, ip, declared_dob"},"declared_dob":{"type":"string","description":"date YYYY-MM-DD, optional: a date of birth the caller says is true. Requires id. At least two of phone, email, id, ip, declared_dob"}}},"responseSchema":{"type":"object"},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.05","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.05/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.05","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.05","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_6u0QO6TDGWppNoiuAnrnL","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.05","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Computes a composite risk score for a South African individual by cross-referencing up to five identity signals: SA ID number, phone, email, IP address, and declared date of birth.","exampleAgentPrompt":"Run a risk score on this South African applicant — their ID number is 8501015026082, email is thabo.m@example.co.za, and their phone is +27821234567. Flag anything that looks inconsistent.","exampleUseCases":[{"title":"Fintech onboarding fraud check","prompt":"Before I approve this loan application, run a risk score on the applicant: SA ID 9203045800083, email applicant@gmail.com, and IP address 41.13.22.100. Tell me if anything looks off."},{"title":"E-commerce new account risk assessment","prompt":"A new customer just signed up with phone +27731234567 and email newuser@webmail.co.za — can you risk-score them using those two signals to see if this account looks legitimate?"},{"title":"DOB consistency check for KYC","prompt":"I need to verify whether this person's declared date of birth of 1990-07-14 is consistent with their SA ID number 9007145032087 — run a risk score and tell me if there's a mismatch."}],"resultDescription":"A JSON object containing a composite risk score and supporting signals derived from the combination of provided identity attributes (SA ID, phone, email, IP, declared DOB). The exact score format and sub-fields are determined by the API response schema at runtime.","failureModes":["Fewer than two of the required identity signals provided — request rejected","Invalid SA ID number format (not 13 digits) — validation error","Invalid IP address format — parameter error","declared_dob provided without id field — constraint violation","Network timeout or service unavailability — HTTP 5xx","Insufficient payment or missing x402 credentials — payment required error"],"whenToPreferThis":"Choose this endpoint when you need a holistic, multi-signal fraud or identity risk score for a South African individual and have at least two of: SA ID number, phone, email, IP address, or declared DOB. It is more appropriate than the standalone SA ID validation endpoint when you want cross-signal consistency analysis rather than structural ID validation alone. Ideal for KYC/KYB workflows, loan origination, and account opening in South Africa where a single data point is insufficient.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-28T06:37:31.751Z","isFirstParty":false,"canonicalSlug":"verza-risk-score-south-african-multi-signal-identity-risk-scoring-2fab9ef8"}