{
  "request": {
    "modules": ["kyc", "fraud", "watchlist", "decision"],
    "customerUserId": "demo-user-001",
    "firstName": "Jane",
    "surName": "Doe",
    "dob": "1985-04-12",
    "nationalId": "123-45-6789",
    "email": "jane.doe@example.com",
    "mobileNumber": "+15555550123",
    "physicalAddress": "885 Tahoe Blvd Suite 1",
    "city": "Incline Village",
    "state": "NV",
    "zip": "89451",
    "country": "US",
    "ipAddress": "203.0.113.10"
  },
  "response": {
    "referenceId": "01HV7K9MX4ZJQ3T0SOCURE-EXAMPLE",
    "kyc": {
      "reasonCodes": ["I123", "I919"],
      "fieldValidations": {
        "firstName": 0.99,
        "surName": 0.99,
        "dob": 0.99,
        "nationalId": 1.0,
        "physicalAddress": 0.95,
        "email": 0.92,
        "mobileNumber": 0.98
      }
    },
    "fraud": {
      "scores": [
        { "name": "sigma", "version": "4.0", "score": 0.08 }
      ],
      "reasonCodes": ["R208"]
    },
    "watchlist": {
      "global": {
        "sources": []
      }
    },
    "decision": {
      "name": "default-onboarding",
      "value": "accept",
      "ruleSet": "kyc-low-risk-v3",
      "version": "2026.04"
    }
  }
}