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

> 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.

## Facts

- Endpoint: POST https://verza.dev/v1/risk-score?utm_source=zero.xyz
- Price: $0.05/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-28
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/verza-risk-score-south-african-multi-signal-identity-risk-scoring-2fab9ef8
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_YSGPmr23g3lcYIoX-05u5

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability verza-risk-score-south-african-multi-signal-identity-risk-scoring-2fab9ef8 -d '<json body>'
```

Example prompt: 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.

## When to prefer this

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.

## Known failure modes

- 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

## 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.

## Request schema (JSON Schema)

```json
{
 "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"
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "object"
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/verza-risk-score-south-african-multi-signal-identity-risk-scoring-2fab9ef8/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from verza.dev](https://www.zero.xyz/host/verza.dev/llms.txt)