openapi: 3.0.3
info:
  title: Socure Account Intelligence ID+ API
  version: '3.0'
  description: 'Real-time validation of US bank accounts — verifying open/closed status,

    ownership (name match), and account-type signals. Powers funding-account checks

    for fintech onboarding, payroll, and ACH origination flows without requiring

    micro-deposits or end-user credentials.

    '
servers:
- url: https://api.socure.com
  description: Production
- url: https://sandbox.socure.com
  description: Sandbox
security:
- SocureToken: []
tags:
- name: ID+
  description: Unified multi-module identity, fraud, and risk evaluation
paths:
  /api/3.0/EmailAuthScore:
    post:
      tags:
      - ID+
      operationId: evaluateIdentity
      summary: Evaluate Identity
      description: 'Submit an identity payload along with a `modules` array selecting one or more

        Socure modules to evaluate. Returns the combined module result blocks and an

        optional `decision` block when the Decision module is requested.

        '
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/IdPlusRequest'
      responses:
        '200':
          description: Identity evaluation result
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/IdPlusResponse'
        '400':
          $ref: '#/components/responses/BadRequest'
        '401':
          $ref: '#/components/responses/Unauthorized'
        '429':
          $ref: '#/components/responses/RateLimited'
components:
  schemas:
    IdPlusRequest:
      type: object
      required:
      - modules
      properties:
        modules:
          type: array
          description: Modules to evaluate in this request.
          items:
            type: string
            enum:
            - kyc
            - ecbsv
            - sigma
            - synthetic
            - fraud
            - emailrisk
            - phonerisk
            - addressrisk
            - decision
            - watchlist
            - watchliststandard
            - alertlist
            - decasedcheck
            - devicerisk
            - graphintelligence
            - accountintelligence
            - prefill
            - docvtransaction
        customerUserId:
          type: string
          description: Customer-supplied unique identifier for the end user.
        firstName:
          type: string
        surName:
          type: string
        dob:
          type: string
          format: date
        nationalId:
          type: string
          description: SSN/ITIN/national identifier.
        email:
          type: string
          format: email
        mobileNumber:
          type: string
        physicalAddress:
          type: string
        city:
          type: string
        state:
          type: string
        zip:
          type: string
        country:
          type: string
          description: ISO-3166-1 alpha-2 country code.
        ipAddress:
          type: string
        userConsent:
          type: boolean
          description: Required for eCBSV.
        consentTimestamp:
          type: string
          format: date-time
        deviceSessionId:
          type: string
          description: Device session ID from the SigmaDevice SDK.
        docvTransactionId:
          type: string
          description: DocV transaction ID to include document verification results.
    RiskScoreResult:
      type: object
      properties:
        score:
          type: number
          minimum: 0
          maximum: 1
        reasonCodes:
          type: array
          items:
            type: string
    WatchlistResult:
      type: object
      properties:
        global:
          type: object
          properties:
            sources:
              type: array
              items:
                type: object
                properties:
                  sourceListName:
                    type: string
                  matchCount:
                    type: integer
    Error:
      type: object
      properties:
        status:
          type: string
        msg:
          type: string
        referenceId:
          type: string
    KycResult:
      type: object
      properties:
        reasonCodes:
          type: array
          items:
            type: string
        fieldValidations:
          type: object
          additionalProperties:
            type: number
            minimum: 0
            maximum: 1
    SigmaResult:
      type: object
      properties:
        scores:
          type: array
          items:
            type: object
            properties:
              name:
                type: string
              version:
                type: string
              score:
                type: number
                minimum: 0
                maximum: 1
        reasonCodes:
          type: array
          items:
            type: string
    DecisionResult:
      type: object
      properties:
        name:
          type: string
        value:
          type: string
          enum:
          - accept
          - reject
          - review
          - refer
          - resubmit
        ruleSet:
          type: string
        version:
          type: string
    IdPlusResponse:
      type: object
      properties:
        referenceId:
          type: string
          description: Globally unique identifier for this evaluation.
        kyc:
          $ref: '#/components/schemas/KycResult'
        fraud:
          $ref: '#/components/schemas/SigmaResult'
        synthetic:
          $ref: '#/components/schemas/SigmaResult'
        emailRisk:
          $ref: '#/components/schemas/RiskScoreResult'
        phoneRisk:
          $ref: '#/components/schemas/RiskScoreResult'
        addressRisk:
          $ref: '#/components/schemas/RiskScoreResult'
        watchlist:
          $ref: '#/components/schemas/WatchlistResult'
        decision:
          $ref: '#/components/schemas/DecisionResult'
        deceasedCheck:
          type: object
          additionalProperties: true
        accountIntelligence:
          type: object
          additionalProperties: true
  responses:
    Unauthorized:
      description: Missing or invalid API key.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    BadRequest:
      description: Malformed request.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
    RateLimited:
      description: Request throttled.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/Error'
  securitySchemes:
    SocureToken:
      type: apiKey
      in: header
      name: Authorization