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Complete API collection for Adhere by Smartcomply. Covers identity verification (KYC), biometrics, credit reports, fraud & transaction monitoring, loan fraud checks, and user journey tracking across Nigeria, Ghana, Kenya, Rwanda, and Uganda.

Setup:

Set the apiKey collection variable to your Adhere API key (available in the Adhere dashboard).
The x-access-token header is applied automatically to all requests.
The baseUrl variable is pre-set to https://adhere-api.smartcomply.com.

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Compare a selfie against a reference ID photo.

Check whether a face image is live (not a photo or video replay).

Verify an 11-digit Bank Verification Number.

Extended BVN lookup with additional identity data.

Verify BVN and compare the registered photo against a selfie.

Verify an 11-digit National Identification Number.

Verify NIN and compare the registered photo against a selfie.

Verify a 16-character Virtual NIN.

Verify a Voter Identification Number (VIN).

Verify a Nigerian driver's license number.

Verify a Nigerian international passport number.

Verify a Tax Identification Number.

Look up a bank account and return the account holder's name.

Extended NUBAN lookup with additional account metadata.

Basic phone number lookup.

Advanced phone number lookup with additional subscriber data.

Verify a company against the CAC (Corporate Affairs Commission) registry.

Extended CAC lookup with additional company data.

Submit an address for physical verification.

Submit an address for digital verification.

Retrieve the result of a digital address verification using the reference ID.

Submit a Lagos address for physical field verification.

Submit an address outside Lagos for physical field verification.

Retrieve the result of a physical address verification using the integer ID.

Look up a customer's registered address history using their NIN.

Verify a Kenyan National ID number.

Extended Kenyan National ID lookup with additional data.

Verify a Kenyan company against the Business Registration Service.

Verify an Alien ID number for non-citizen residents in Kenya.

Verify a Kenya Revenue Authority (KRA) PIN.

Verify a Kenyan passport number.

Verify a Ghana ID. id_type: GhanaCard, Passport, VoterID, SSNIT, or DriversLicense.

Verify a Ghana Card number and compare against a selfie.

Verify a Rwandan National ID number.

Verify a Rwandan passport number.

Verify a Ugandan National ID against the NIRA database.

Retrieve an individual's credit history from CRC.

Retrieve an individual's credit score from CRC.

Retrieve an individual's full credit report from CRC.

Retrieve a summary credit report from Credit Registry.

Retrieve the full credit report from Credit Registry.

Retrieve a premium individual credit report (consolidated bureaus).

Retrieve advanced credit history from Credit Registry.

Retrieve an individual's credit score from First Central.

Retrieve a summary credit report from First Central Credit Bureau.

Retrieve the full credit report from First Central Credit Bureau.

Retrieve a credit report for a Kenyan individual.

Retrieve a business credit history from CRC.

Retrieve a business credit history from First Central.

Retrieve a premium business credit report (consolidated bureaus).

Retrieve a credit report for a Kenyan company.

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Submit a transaction for real-time fraud scoring. transaction_type: transfer, card, ussd, web.

Screen a transaction's sender and receiver against global sanctions lists.

Retrieve a paginated list of all KYC screening results.

Retrieve a single KYC screening result by its ID.

Screen an entity against PEP lists, sanctions databases, and adverse media.

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Assess an individual loan application using AI-driven fraud scoring and credit bureau data.

\n","auth":{"type":"apikey","apikey":{"basicConfig":[{"key":"key","value":"x-access-token"},{"key":"value","value":""}]},"isInherited":true,"source":{"_postman_id":"d1a8c714-1208-406c-a758-c94382be03a7","id":"d1a8c714-1208-406c-a758-c94382be03a7","name":"Adhere API — by Smartcomply","type":"collection"}},"urlObject":{"path":["api","v1","loan","fraud_check"],"host":["https://adhere-api.smartcomply.com"],"query":[],"variable":[]}},"response":[],"_postman_id":"45bc8451-81b3-4c6b-a84d-9b28d8637291"},{"name":"Business Loan Fraud Check","id":"8f9b8285-ab7b-491d-a909-f799baf78060","protocolProfileBehavior":{"disableBodyPruning":true},"request":{"method":"POST","header":[],"body":{"mode":"formdata","formdata":[{"key":"business_name","value":"Heineken","type":"text"},{"key":"business_address","value":"23 Main Street, Marina","type":"text"},{"key":"rc_number","value":"RC-123456","type":"text"},{"key":"city","value":"Lagos","type":"text"},{"key":"country","value":"Nigeria","type":"text"},{"key":"phone_number","value":"2349012345678","type":"text"},{"key":"email_address","value":"business@example.com","type":"text"},{"key":"identification_type","value":"RC Number","type":"text"},{"key":"identification_number","value":"RC-123456","type":"text"},{"key":"annual_revenue","value":"12345678","type":"text"},{"key":"bank_name","value":"Access Bank","type":"text"},{"key":"account_number","value":"1234567890","type":"text"},{"key":"loan_amount_requested","value":"1000000","type":"text"},{"key":"purpose_of_loan","value":"Business Expansion","type":"text"},{"key":"loan_repayment_duration_type","value":"months","type":"text"},{"key":"loan_repayment_duration_value","value":"5","type":"text"},{"key":"collateral_required","value":"false","type":"text"},{"key":"is_business","value":"true","type":"text"},{"key":"run_aml_check","value":"false","type":"text"}]},"url":"https://adhere-api.smartcomply.com/api/v1/loan/fraud_check","description":"

Assess a business loan application using company registration, revenue, and credit bureau data.

Submit a user journey event for fraud assessment. event: LOGIN, OTP_VERIFY, PAYMENT_INIT, PAYMENT_COMPLETE, LOGOUT.

Retrieve the current state and event history for a session.

Delete all stored data for a session.

Retrieve fraud and risk statistics for a user across all sessions.

Check the User Journey service health and dependency status.