# Glossary > ### Adjutor > > Means **helper** in Latin. This is our API distribution service that gives lenders and fintechs outside the Lendsqr platform access to our key services via APIs > ### Bad actor > > A bad actor is an informal term used to classify user's within the Lendsqr ecosystem that have committed fraud or defaulted on loans as such they have been blacklisted on the Karma engine. > ### Bank Verification Number > > Bank Verification Number (BVN) is an 11 digit number that serves as a unique identifier for individuals. An individual's bank accounts are linked to this number. > ### Decisioning > > In relation to loans, Decisioning is the process of determining if a user is eligible to borrow money from a lending company. > ### Lendsqr Ecosystem > > This is Lendsqr’s growing list of borrowers (accumulated over time) which lending companies can tap into to know more about the past performances of these borrowers with other lenders. The Lendsqr ecosystem is accessible via the [Validation](/adjutor-api-endpoints/validation.md#ecosystem-lookup) endpoint. > ### Karma > > Karma is a database of blacklisted bad actors within the Nigerian Lending ecosystem. This platform is a blacklist engine managed by Lendsqr. You can validate your customers by running checks via the [Validation](/adjutor-api-endpoints/validation.md#get-karma) endpoint. > ### Scoring > > Scoring or Credit scoring is a statistical analysis performed by lenders and financial institutions to determine the creditworthiness of a borrower. > ### Service account > > Lendsqr service accounts are virtual accounts in which you can transfer funds directly from any Nigerian bank to pay for access to any of Lendsqr's paid services. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.adjutor.io/additional-information/glossary.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.