API Reference
RESTful API with JSON request and response bodies
Base URL
https://api.verit.io/v1Authentication
All API requests require authentication via API key in the Authorization header.
Request Header
Authorization: Bearer YOUR_API_KEYAPI keys are organization-scoped and can be created in the Dashboard Settings.
Endpoints
| Method | Endpoint | Description |
|---|---|---|
| POST | /api/v1/applications | Create new application + generate customer verification link |
| GET | /api/v1/applications | List applications with pagination and filters |
| GET | /api/v1/applications/{id} | Get application details and verification status |
| GET | /api/v1/applications/{id}/results | Get full verification results and score breakdown |
| POST | /api/v1/applications/{id}/resend-link | Resend verification link to customer |
| POST | /api/v1/applications/{id}/cancel | Cancel pending application |
| POST | /api/v1/applications/{id}/decision | Submit manual decision (approve/reject) |
| GET | /api/v1/settings/verification | Get organization verification configuration |
| PUT | /api/v1/settings/verification | Update verification configuration |
Create Application
Submit a new loan application for verification
Request
POST /api/v1/applications
{
"external_id": "loan-12345",
"applicant": {
"first_name": "John",
"last_name": "Doe",
"email": "john@example.com",
"phone": "+15551234567",
"ssn_last_4": "1234",
"date_of_birth": "1990-01-15",
"address": {
"street": "123 Main St",
"city": "Austin",
"state": "TX",
"zip": "78701"
},
"stated_income": 75000
},
"vehicle": {
"vin": "1HGBH41JXMN109186",
"make": "Honda",
"model": "Accord",
"year": 2023,
"requested_loan_amount": 28000
},
"delivery": {
"method": "sms"
}
}Response
{
"id": "app_8f3k2j5m9n1p4q7r",
"external_id": "loan-12345",
"status": "pending",
"verification_link": "https://vrfr.io/v/ABC123XY",
"link_expires_at": "2026-01-28T20:00:00Z",
"verifications": {
"identity": { "status": "pending" },
"income": { "status": "pending" }
},
"created_at": "2026-01-27T20:00:00Z"
}Webhook Events
Verit sends webhooks to your configured endpoint for real-time updates.
| Event | Description |
|---|---|
application.created | New application submitted |
application.verification_started | Customer opened verification link |
application.identity_complete | Identity verification finished |
application.income_complete | Income verification finished |
application.scored | Fraud score calculated |
application.decision_made | Auto or manual decision made |
Rate Limits
| Plan | Requests/Minute | Requests/Day |
|---|---|---|
| Starter | 100 | 10,000 |
| Growth | 500 | 50,000 |
| Enterprise | 2,000 | Unlimited |
Rate limit headers are included in all API responses: X-RateLimit-Limit, X-RateLimit-Remaining, X-RateLimit-Reset