Karma Lookup

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.

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	Description	Format Example
Email Address	Format should be in the form of [e-mail]	[e-mail]
Phone Number	Format should be in the form of [phone]	[phone]
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

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

{
  "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": "[e-mail]"
    }
  },
  "meta": {
    "cost": 10,
    "balance": 1600
  }
}

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