Risk Assessment API

Verify transactional safety and user authentication metrics in real-time. Detect spoofing, spam attempts, and proxy routing instantly.

Real-time AI Scoring

Get a risk threat assessment index score from 0 (Safe) to 100 (Severe Fraud) instantly.

Velocity Counters

Assess transaction frequencies per device token or phone number within a time block.

IP Reputation Screening

Detect anonymized proxy connections, VPN profiles, and suspicious routing locations.

Consolidated Blacklists

Match emails and phone numbers against historical fraud and identity records.

Authentication Required

Enforce the Authorization header using your dashboard precomputed Basic token: Basic <token>.

Response Time

120ms

95th percentile

Cost per Check

₵0.01

1 credit = 1 evaluation

False Positive

<0.02%

Historical average

Rate Limit

100/s

per API key profile

POST

/v1/fraud/risk/assess

Security

Request Body

application/json

JSON

{
  "phoneNumber": "+233558281250",
  "emailAddress": "kofi@example.com",
  "ipAddress": "197.251.12.82",
  "amount": 250.00,
  "currency": "GHS"
}

Response

JSON

{
  "success": true,
  "code": "RISK_EVALUATED",
  "message": "Fraud assessment check finished successfully.",
  "requestId": "REQ-1781298124995",
  "timestamp": "2026-06-30T09:54:12.995Z",
  "data": {
    "riskScore": 12.5,
    "verdict": "ALLOW",
    "checks": {
      "ipReputation": "CLEAN",
      "vpnDetected": false,
      "proxyDetected": false,
      "disposableEmail": false,
      "simSwapRecent": false
    },
    "checkedAt": "2026-06-30T09:54:12.995Z"
  }
}

Try It Yourself

POST

https://api.sendexa.co/v1/fraud/risk/assess

Code Examples

Bash

curl -X POST 'https://api.sendexa.co/v1/fraud/risk/assess' \
  -H 'Content-Type: application/json' \
  -H 'Authorization: Basic YOUR_DASHBOARD_BASE64_TOKEN' \
  -d '{
    "phoneNumber": "+233558281250",
    "emailAddress": "kofi@example.com",
    "ipAddress": "197.251.12.82",
    "amount": 250.00,
    "currency": "GHS"
  }'