{
  "openapi": "3.0.3",
  "info": {
    "title": "VerifyHQ API",
    "version": "1.1.0",
    "description": "Enterprise-grade identity verification API built for African markets. KYC, KYB, document verification, liveness detection, AML screening, device intelligence, and AI-powered fraud prevention.",
    "contact": { "email": "support@verifyhq.com", "url": "https://verifyhq.com" }
  },
  "servers": [
    { "url": "https://api.verifyhq.com/v1", "description": "Production" },
    { "url": "https://sandbox.verifyhq.com/v1", "description": "Sandbox" }
  ],
  "security": [{ "ApiKeyAuth": [] }],
  "components": {
    "securitySchemes": {
      "ApiKeyAuth": { "type": "apiKey", "in": "header", "name": "X-API-Key" }
    },
    "schemas": {
      "StartIdentityVerification": {
        "type": "object",
        "required": ["userId"],
        "properties": {
          "userId": { "type": "string" },
          "tier": { "type": "string", "enum": ["BASIC", "STANDARD", "ENHANCED"] }
        }
      },
      "ReviewVerification": {
        "type": "object",
        "required": ["decision", "reviewedBy", "reviewNotes"],
        "properties": {
          "decision": { "type": "string", "enum": ["VERIFIED", "REJECTED"] },
          "reviewedBy": { "type": "string" },
          "reviewNotes": { "type": "string" }
        }
      },
      "StartPhoneVerification": {
        "type": "object",
        "required": ["phoneNumber", "userId"],
        "properties": {
          "phoneNumber": { "type": "string", "description": "E.164 format" },
          "userId": { "type": "string" },
          "channel": { "type": "string", "enum": ["SMS", "VOICE"], "default": "SMS" },
          "locale": { "type": "string", "default": "en" }
        }
      },
      "VerifyOTP": {
        "type": "object",
        "required": ["code"],
        "properties": {
          "code": { "type": "string", "description": "6-digit OTP code" }
        }
      },
      "StartEmailVerification": {
        "type": "object",
        "required": ["email", "userId"],
        "properties": {
          "email": { "type": "string", "format": "email" },
          "userId": { "type": "string" },
          "method": { "type": "string", "enum": ["OTP", "MAGIC_LINK"], "default": "OTP" },
          "redirectUrl": { "type": "string", "format": "uri" }
        }
      },
      "AmlCheck": {
        "type": "object",
        "required": ["userId", "fullName"],
        "properties": {
          "userId": { "type": "string" },
          "fullName": { "type": "string" },
          "dateOfBirth": { "type": "string", "format": "date" },
          "nationality": { "type": "string" },
          "documentNumber": { "type": "string" },
          "matchThreshold": { "type": "number", "default": 0.85 },
          "lists": { "type": "array", "items": { "type": "string", "enum": ["SANCTIONS", "PEP", "ADVERSE_MEDIA", "LAW_ENFORCEMENT"] } }
        }
      },
      "AmlBatch": {
        "type": "object",
        "required": ["subjects"],
        "properties": {
          "subjects": { "type": "array", "items": { "$ref": "#/components/schemas/AmlCheck" }, "maxItems": 100 },
          "callbackUrl": { "type": "string", "format": "uri" }
        }
      },
      "WatchlistSubscribe": {
        "type": "object",
        "required": ["userId", "fullName"],
        "properties": {
          "userId": { "type": "string" },
          "fullName": { "type": "string" },
          "dateOfBirth": { "type": "string", "format": "date" },
          "nationality": { "type": "string" },
          "lists": { "type": "array", "items": { "type": "string", "enum": ["SANCTIONS", "PEP", "ADVERSE_MEDIA"] } }
        }
      },
      "DeviceFingerprint": {
        "type": "object",
        "required": ["userId", "sessionId", "fingerprint"],
        "properties": {
          "userId": { "type": "string" },
          "sessionId": { "type": "string" },
          "fingerprint": { "type": "object", "properties": { "userAgent": { "type": "string" }, "platform": { "type": "string" }, "screenResolution": { "type": "string" }, "timezone": { "type": "string" }, "language": { "type": "string" } } },
          "ip": { "type": "string" }
        }
      },
      "IpCheck": {
        "type": "object",
        "required": ["ip"],
        "properties": {
          "ip": { "type": "string" },
          "userId": { "type": "string" }
        }
      },
      "StartBusinessVerification": {
        "type": "object",
        "required": ["businessName", "registrationNumber", "country", "userId"],
        "properties": {
          "businessName": { "type": "string" },
          "registrationNumber": { "type": "string" },
          "country": { "type": "string" },
          "businessType": { "type": "string", "enum": ["SOLE_PROPRIETORSHIP", "PARTNERSHIP", "LLC", "CORPORATION", "NGO"] },
          "userId": { "type": "string" },
          "taxId": { "type": "string" }
        }
      },
      "AddDirectors": {
        "type": "object",
        "required": ["directors"],
        "properties": {
          "directors": { "type": "array", "items": { "type": "object", "required": ["fullName", "role"], "properties": { "fullName": { "type": "string" }, "role": { "type": "string" }, "dateOfBirth": { "type": "string", "format": "date" }, "nationality": { "type": "string" }, "idNumber": { "type": "string" } } } }
        }
      },
      "AddUBOs": {
        "type": "object",
        "required": ["ubos"],
        "properties": {
          "ubos": { "type": "array", "items": { "type": "object", "required": ["fullName", "ownershipPercentage"], "properties": { "fullName": { "type": "string" }, "ownershipPercentage": { "type": "number" }, "dateOfBirth": { "type": "string", "format": "date" }, "nationality": { "type": "string" }, "controlType": { "type": "string", "enum": ["DIRECT", "INDIRECT", "BOTH"] } } } }
        }
      },
      "MobileMoneyVerify": {
        "type": "object",
        "required": ["userId", "phoneNumber", "provider", "country"],
        "properties": {
          "userId": { "type": "string" },
          "phoneNumber": { "type": "string" },
          "provider": { "type": "string", "enum": ["MTN_MOMO", "ORANGE_MONEY", "AIRTEL_MONEY", "MPESA", "WAVE", "FREE_MONEY", "MOOV_MONEY"] },
          "country": { "type": "string" },
          "expectedName": { "type": "string" }
        }
      },
      "BiometricDedupCheck": {
        "type": "object",
        "required": ["userId", "selfieBase64"],
        "properties": {
          "userId": { "type": "string" },
          "selfieBase64": { "type": "string" },
          "selfieMimeType": { "type": "string", "default": "image/jpeg" },
          "threshold": { "type": "number", "default": 0.90 },
          "enroll": { "type": "boolean", "default": true }
        }
      },
      "ConfigureWebhook": {
        "type": "object",
        "required": ["clientId", "callbackUrl", "events"],
        "properties": {
          "clientId": { "type": "string" },
          "callbackUrl": { "type": "string", "format": "uri" },
          "events": { "type": "array", "items": { "type": "string", "enum": ["document.verified","document.rejected","liveness.passed","liveness.failed","identity.verified","identity.rejected","identity.manual_review","phone.verified","phone.failed","email.verified","email.failed","address.verified","address.rejected","address.manual_review","aml.clear","aml.flagged","aml.batch_complete","watchlist.alert","watchlist.clear","business.verified","business.rejected","business.manual_review","dedup.unique","dedup.match","mobile_money.verified","mobile_money.failed"] } }
        }
      },
      "VerifyIdentity": {
        "type": "object",
        "required": ["userId", "selfieBase64", "documentBase64"],
        "properties": {
          "userId": { "type": "string" },
          "selfieBase64": { "type": "string" },
          "documentBase64": { "type": "string" },
          "selfieMimeType": { "type": "string", "default": "image/jpeg" },
          "documentMimeType": { "type": "string", "default": "image/jpeg" }
        }
      },
      "CheckFraudHistory": {
        "type": "object",
        "properties": {
          "userId": { "type": "string" },
          "documentNumber": { "type": "string" },
          "fullName": { "type": "string" }
        }
      },
      "CreateLivenessSession": {
        "type": "object",
        "required": ["userId"],
        "properties": { "userId": { "type": "string" } }
      }
    }
  },
  "paths": {
    "/admin/api-clients": {
      "post": {
        "tags": ["Admin"],
        "summary": "Create API client",
        "parameters": [{ "name": "X-Admin-Secret", "in": "header", "required": true, "schema": { "type": "string" } }],
        "requestBody": { "required": true, "content": { "application/json": { "schema": { "type": "object", "required": ["name"], "properties": { "name": { "type": "string" }, "permissions": { "type": "array", "items": { "type": "string" } }, "rateLimit": { "type": "number" } } } } } },
        "responses": { "201": { "description": "API client created" } }
      }
    },
    "/verifications/identity": {
      "post": {
        "tags": ["Identity Verification"],
        "summary": "Start identity verification",
        "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/StartIdentityVerification" } } } },
        "responses": { "201": { "description": "Verification started" } }
      }
    },
    "/verifications/identity/{id}": {
      "get": {
        "tags": ["Identity Verification"],
        "summary": "Get verification by ID",
        "parameters": [{ "name": "id", "in": "path", "required": true, "schema": { "type": "string" } }],
        "responses": { "200": { "description": "Verification details" } }
      }
    },
    "/verifications/identity/user/{userId}": {
      "get": {
        "tags": ["Identity Verification"],
        "summary": "List user verifications",
        "parameters": [
          { "name": "userId", "in": "path", "required": true, "schema": { "type": "string" } },
          { "name": "page", "in": "query", "schema": { "type": "integer", "default": 1 } },
          { "name": "limit", "in": "query", "schema": { "type": "integer", "default": 20 } }
        ],
        "responses": { "200": { "description": "List of verifications" } }
      }
    },
    "/verifications/identity/{id}/review": {
      "post": {
        "tags": ["Identity Verification"],
        "summary": "Manual review",
        "parameters": [{ "name": "id", "in": "path", "required": true, "schema": { "type": "string" } }],
        "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ReviewVerification" } } } },
        "responses": { "200": { "description": "Review submitted" } }
      }
    },
    "/verifications/identity/{id}/restart": {
      "post": {
        "tags": ["Identity Verification"],
        "summary": "Restart verification",
        "parameters": [{ "name": "id", "in": "path", "required": true, "schema": { "type": "string" } }],
        "responses": { "200": { "description": "Verification restarted" } }
      }
    },
    "/verifications/phone": {
      "post": {
        "tags": ["Phone Verification"],
        "summary": "Start phone verification",
        "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/StartPhoneVerification" } } } },
        "responses": { "201": { "description": "OTP sent" } }
      }
    },
    "/verifications/phone/{id}": {
      "get": {
        "tags": ["Phone Verification"],
        "summary": "Get phone verification status",
        "parameters": [{ "name": "id", "in": "path", "required": true, "schema": { "type": "string" } }],
        "responses": { "200": { "description": "Verification status" } }
      }
    },
    "/verifications/phone/{id}/verify": {
      "post": {
        "tags": ["Phone Verification"],
        "summary": "Verify OTP code",
        "parameters": [{ "name": "id", "in": "path", "required": true, "schema": { "type": "string" } }],
        "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/VerifyOTP" } } } },
        "responses": { "200": { "description": "Verification result" } }
      }
    },
    "/verifications/email": {
      "post": {
        "tags": ["Email Verification"],
        "summary": "Start email verification",
        "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/StartEmailVerification" } } } },
        "responses": { "201": { "description": "OTP/link sent" } }
      }
    },
    "/verifications/email/{id}": {
      "get": {
        "tags": ["Email Verification"],
        "summary": "Get email verification status",
        "parameters": [{ "name": "id", "in": "path", "required": true, "schema": { "type": "string" } }],
        "responses": { "200": { "description": "Verification status" } }
      }
    },
    "/verifications/email/{id}/verify": {
      "post": {
        "tags": ["Email Verification"],
        "summary": "Verify OTP code",
        "parameters": [{ "name": "id", "in": "path", "required": true, "schema": { "type": "string" } }],
        "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/VerifyOTP" } } } },
        "responses": { "200": { "description": "Verification result" } }
      }
    },
    "/verifications/address": {
      "post": {
        "tags": ["Address Verification"],
        "summary": "Submit proof of address",
        "requestBody": { "required": true, "content": { "multipart/form-data": { "schema": { "type": "object", "required": ["userId", "documentType", "document", "country"], "properties": { "userId": { "type": "string" }, "documentType": { "type": "string", "enum": ["UTILITY_BILL", "BANK_STATEMENT", "TAX_DOCUMENT", "GOVERNMENT_LETTER"] }, "document": { "type": "string", "format": "binary" }, "country": { "type": "string" }, "expectedAddress": { "type": "string" } } } } } },
        "responses": { "201": { "description": "Document submitted" } }
      }
    },
    "/verifications/address/{id}": {
      "get": {
        "tags": ["Address Verification"],
        "summary": "Get address verification",
        "parameters": [{ "name": "id", "in": "path", "required": true, "schema": { "type": "string" } }],
        "responses": { "200": { "description": "Verification details" } }
      }
    },
    "/verifications/address/user/{userId}": {
      "get": {
        "tags": ["Address Verification"],
        "summary": "List user address verifications",
        "parameters": [
          { "name": "userId", "in": "path", "required": true, "schema": { "type": "string" } },
          { "name": "page", "in": "query", "schema": { "type": "integer", "default": 1 } },
          { "name": "limit", "in": "query", "schema": { "type": "integer", "default": 20 } }
        ],
        "responses": { "200": { "description": "List of verifications" } }
      }
    },
    "/verifications/address/{id}/review": {
      "post": {
        "tags": ["Address Verification"],
        "summary": "Manual review",
        "parameters": [{ "name": "id", "in": "path", "required": true, "schema": { "type": "string" } }],
        "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ReviewVerification" } } } },
        "responses": { "200": { "description": "Review submitted" } }
      }
    },
    "/screening/aml": {
      "post": {
        "tags": ["AML Screening"],
        "summary": "Screen individual",
        "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/AmlCheck" } } } },
        "responses": { "200": { "description": "Screening result" } }
      }
    },
    "/screening/aml/batch": {
      "post": {
        "tags": ["AML Screening"],
        "summary": "Batch screening",
        "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/AmlBatch" } } } },
        "responses": { "202": { "description": "Batch accepted" } }
      }
    },
    "/screening/aml/{id}": {
      "get": {
        "tags": ["AML Screening"],
        "summary": "Get screening result",
        "parameters": [{ "name": "id", "in": "path", "required": true, "schema": { "type": "string" } }],
        "responses": { "200": { "description": "Screening result" } }
      }
    },
    "/screening/aml/user/{userId}": {
      "get": {
        "tags": ["AML Screening"],
        "summary": "List user screenings",
        "parameters": [
          { "name": "userId", "in": "path", "required": true, "schema": { "type": "string" } },
          { "name": "page", "in": "query", "schema": { "type": "integer", "default": 1 } },
          { "name": "limit", "in": "query", "schema": { "type": "integer", "default": 20 } }
        ],
        "responses": { "200": { "description": "List of screenings" } }
      }
    },
    "/monitoring/watchlist/subscribe": {
      "post": {
        "tags": ["Watchlist Monitoring"],
        "summary": "Subscribe to watchlist monitoring",
        "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/WatchlistSubscribe" } } } },
        "responses": { "201": { "description": "Subscription created" } }
      }
    },
    "/monitoring/watchlist/subscribe/{id}": {
      "delete": {
        "tags": ["Watchlist Monitoring"],
        "summary": "Unsubscribe from monitoring",
        "parameters": [{ "name": "id", "in": "path", "required": true, "schema": { "type": "string" } }],
        "responses": { "200": { "description": "Unsubscribed" } }
      }
    },
    "/monitoring/watchlist/alerts": {
      "get": {
        "tags": ["Watchlist Monitoring"],
        "summary": "List watchlist alerts",
        "parameters": [
          { "name": "userId", "in": "query", "schema": { "type": "string" } },
          { "name": "status", "in": "query", "schema": { "type": "string", "enum": ["OPEN", "REVIEWED", "DISMISSED"] } },
          { "name": "page", "in": "query", "schema": { "type": "integer", "default": 1 } },
          { "name": "limit", "in": "query", "schema": { "type": "integer", "default": 20 } }
        ],
        "responses": { "200": { "description": "List of alerts" } }
      }
    },
    "/monitoring/watchlist/subscriptions": {
      "get": {
        "tags": ["Watchlist Monitoring"],
        "summary": "List subscriptions",
        "parameters": [
          { "name": "status", "in": "query", "schema": { "type": "string", "enum": ["ACTIVE", "CANCELLED"] } },
          { "name": "page", "in": "query", "schema": { "type": "integer", "default": 1 } },
          { "name": "limit", "in": "query", "schema": { "type": "integer", "default": 20 } }
        ],
        "responses": { "200": { "description": "List of subscriptions" } }
      }
    },
    "/intelligence/device/fingerprint": {
      "post": {
        "tags": ["Device Intelligence"],
        "summary": "Submit device fingerprint",
        "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/DeviceFingerprint" } } } },
        "responses": { "200": { "description": "Device assessment" } }
      }
    },
    "/intelligence/device/{id}": {
      "get": {
        "tags": ["Device Intelligence"],
        "summary": "Get device assessment",
        "parameters": [{ "name": "id", "in": "path", "required": true, "schema": { "type": "string" } }],
        "responses": { "200": { "description": "Assessment details" } }
      }
    },
    "/intelligence/ip": {
      "post": {
        "tags": ["IP Intelligence"],
        "summary": "Analyze IP address",
        "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/IpCheck" } } } },
        "responses": { "200": { "description": "IP analysis result" } }
      }
    },
    "/verifications/business": {
      "post": {
        "tags": ["Business Verification"],
        "summary": "Start business verification",
        "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/StartBusinessVerification" } } } },
        "responses": { "201": { "description": "Verification started" } }
      }
    },
    "/verifications/business/{id}": {
      "get": {
        "tags": ["Business Verification"],
        "summary": "Get business verification",
        "parameters": [{ "name": "id", "in": "path", "required": true, "schema": { "type": "string" } }],
        "responses": { "200": { "description": "Verification details" } }
      }
    },
    "/verifications/business/{id}/directors": {
      "post": {
        "tags": ["Business Verification"],
        "summary": "Add directors",
        "parameters": [{ "name": "id", "in": "path", "required": true, "schema": { "type": "string" } }],
        "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/AddDirectors" } } } },
        "responses": { "200": { "description": "Directors added" } }
      }
    },
    "/verifications/business/{id}/ubo": {
      "post": {
        "tags": ["Business Verification"],
        "summary": "Add UBOs",
        "parameters": [{ "name": "id", "in": "path", "required": true, "schema": { "type": "string" } }],
        "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/AddUBOs" } } } },
        "responses": { "200": { "description": "UBOs added" } }
      }
    },
    "/verifications/business/user/{userId}": {
      "get": {
        "tags": ["Business Verification"],
        "summary": "List user business verifications",
        "parameters": [
          { "name": "userId", "in": "path", "required": true, "schema": { "type": "string" } },
          { "name": "page", "in": "query", "schema": { "type": "integer", "default": 1 } },
          { "name": "limit", "in": "query", "schema": { "type": "integer", "default": 20 } }
        ],
        "responses": { "200": { "description": "List of verifications" } }
      }
    },
    "/verifications/mobile-money": {
      "post": {
        "tags": ["Mobile Money"],
        "summary": "Verify mobile money account",
        "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/MobileMoneyVerify" } } } },
        "responses": { "200": { "description": "Verification result" } }
      }
    },
    "/verifications/mobile-money/{id}": {
      "get": {
        "tags": ["Mobile Money"],
        "summary": "Get verification status",
        "parameters": [{ "name": "id", "in": "path", "required": true, "schema": { "type": "string" } }],
        "responses": { "200": { "description": "Verification details" } }
      }
    },
    "/biometrics/dedup/check": {
      "post": {
        "tags": ["Biometric Deduplication"],
        "summary": "Check for duplicate faces",
        "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/BiometricDedupCheck" } } } },
        "responses": { "200": { "description": "Dedup result" } }
      }
    },
    "/biometrics/dedup/{id}": {
      "get": {
        "tags": ["Biometric Deduplication"],
        "summary": "Get dedup result",
        "parameters": [{ "name": "id", "in": "path", "required": true, "schema": { "type": "string" } }],
        "responses": { "200": { "description": "Dedup result" } }
      }
    },
    "/verifications/document": {
      "post": {
        "tags": ["Document Verification"],
        "summary": "Submit document for verification",
        "requestBody": { "required": true, "content": { "multipart/form-data": { "schema": { "type": "object", "required": ["userId","documentType","documentCountry","frontImage"], "properties": { "userId": { "type": "string" }, "documentType": { "type": "string", "enum": ["ID_CARD","PASSPORT","DRIVER_LICENSE","RESIDENCE_PERMIT"] }, "documentCountry": { "type": "string" }, "frontImage": { "type": "string", "format": "binary" }, "backImage": { "type": "string", "format": "binary" } } } } } },
        "responses": { "201": { "description": "Document submitted" } }
      }
    },
    "/verifications/document/{id}": {
      "get": {
        "tags": ["Document Verification"],
        "summary": "Get document verification",
        "parameters": [{ "name": "id", "in": "path", "required": true, "schema": { "type": "string" } }],
        "responses": { "200": { "description": "Document verification details" } }
      }
    },
    "/verifications/liveness/session": {
      "post": {
        "tags": ["Liveness Check"],
        "summary": "Create liveness session",
        "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/CreateLivenessSession" } } } },
        "responses": { "201": { "description": "Session created with challenges" } }
      }
    },
    "/verifications/liveness/challenge": {
      "post": {
        "tags": ["Liveness Check"],
        "summary": "Submit challenge photo",
        "requestBody": { "required": true, "content": { "multipart/form-data": { "schema": { "type": "object", "required": ["sessionToken","challengeId","photo"], "properties": { "sessionToken": { "type": "string" }, "challengeId": { "type": "string" }, "photo": { "type": "string", "format": "binary" } } } } } },
        "responses": { "200": { "description": "Challenge submitted" } }
      }
    },
    "/webhooks/configure": {
      "post": {
        "tags": ["Webhooks"],
        "summary": "Configure webhook",
        "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/ConfigureWebhook" } } } },
        "responses": { "201": { "description": "Webhook configured" } }
      }
    },
    "/webhooks/client/{clientId}": {
      "get": {
        "tags": ["Webhooks"],
        "summary": "List webhooks",
        "parameters": [{ "name": "clientId", "in": "path", "required": true, "schema": { "type": "string" } }],
        "responses": { "200": { "description": "List of webhooks" } }
      }
    },
    "/webhooks/{id}": {
      "delete": {
        "tags": ["Webhooks"],
        "summary": "Deactivate webhook",
        "parameters": [{ "name": "id", "in": "path", "required": true, "schema": { "type": "string" } }],
        "responses": { "200": { "description": "Webhook deactivated" } }
      }
    },
    "/cognitive-kyc/verify": {
      "post": {
        "tags": ["Cognitive KYC"],
        "summary": "AI identity verification",
        "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/VerifyIdentity" } } } },
        "responses": { "200": { "description": "Verification result" } }
      }
    },
    "/cognitive-kyc/fraud-check": {
      "post": {
        "tags": ["Cognitive KYC"],
        "summary": "Check fraud history",
        "requestBody": { "required": true, "content": { "application/json": { "schema": { "$ref": "#/components/schemas/CheckFraudHistory" } } } },
        "responses": { "200": { "description": "Fraud history" } }
      }
    }
  }
}