Verza Risk Score — South African Multi-Signal Identity Risk Scoring

x402

Verza Risk Score — South African Multi-Signal Identity Risk Scoring is a paid API for AI agents from verza.dev, paid per call via x402, $0.05/call, status unknown (last checked 2026-10-28).

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.

Price / call$0.05

Seller volume →—

Success—

StatusUnknown

How this service works

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.

Output

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.

Example use cases

Fintech onboarding fraud check

“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.”

E-commerce new account risk assessment

“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?”

DOB consistency check for KYC

“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.”

Technical details

Endpoint

POSThttps://verza.dev/v1/risk-score?utm_source=zero.xyz

When to prefer

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.

Side effects

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

Input

Schema · Request body

Field	Type	Description
id	string	string, optional: a 13-digit SA identity number. At least two of phone, email, id, ip, declared_dob
ip	string	string, optional: an IPv4 or IPv6 address. At least two of phone, email, id, ip, declared_dob
email	string	string, optional: an email address, at most 254 characters. At least two of phone, email, id, ip, declared_dob
phone	string	string, optional: a South African phone number, at most 32 characters. At least two of phone, email, id, ip, declared_dob
declared_dob	string	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

Output

Schema · Response

{
  "type": "object"
}

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