> For the complete documentation index, see [llms.txt](https://docs.adjutor.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.adjutor.io/adjutor-api-endpoints/validation/karma-lookup.md).

# Karma Lookup

{% hint style="success" %}
Summary

The Karma APIs grants businesses access to a large pool of data from different lenders. Businesses are able to check if their customers have been blacklisted. 
{% endhint %}

Karma is a database of blacklisted bad actors within the Lendsqr ecosystem. A bad actor is someone who has been involved with fraud or has tried to request loans with fake identity. A bad actor may also be a chronic defaulter whose loan has been written off.

This endpoint is used to check if a customer is on the blacklist of bad actors. The following qualify as valid identity to check Karma:

| **Field**            | **Descript**ion                                                                        | **Format Example**                                     |
| -------------------- | -------------------------------------------------------------------------------------- | ------------------------------------------------------ |
| Email Address        | Format should be in the form of [email@example.com](https://mailto:email@example.com/) | [email@example.com](https://mailto:email@example.com/) |
| Phone Number         | Format should be in the form of +2347012345678                                         | +2347012345678                                         |
| Domain Name          | Format should be in the form of example.com                                            | example.com                                            |
| BVN                  | Format should be in the form of 22212345678                                            | 22212345678                                            |
| NUBAN Account number | Format should be in the form of XXX-1234567890 Where XXX is the CBN bank code          | 070-1234567890 for a Fidelity Bank account.            |
| Images               | Format is Base64                                                                       | Base64 encoded string                                  |

```bash
curl --location 'https://adjutor.lendsqr.com/v2/verification/karma/0zspgifzbo.ga'
```

```json
{
  "status": "success",
  "message": "Successful",
  "data": {
    "karma_identity": "0zspgifzbo.ga",
    "amount_in_contention": "0.00",
    "reason": null,
    "default_date": "2020-05-18",
    "karma_type": {
      "karma": "Others"
    },
    "karma_identity_type": {
      "identity_type": "Domain"
    },
    "reporting_entity": {
      "name": "Blinkcash",
      "email": "support@blinkcash.ng"
    }
  },
  "meta": {
    "cost": 10,
    "balance": 1600
  }
}
```

It is up to you to proceed with such customer or not.