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Out of Wallet Questions - Initial Request

POST 
/precise-id/oow
Deprecation Notice

API v1 will be deprecated on January 31, 2026.
API v2 will be deprecated on February 28, 2026.
Please migrate to API v3 as soon as possible.

The "Out of Wallet Questions - Initial Request" endpoint performs identity verification through knowledge-based questions derived from the applicant's credit history and public records. This service presents multiple-choice questions about the applicant's financial history, previous addresses, loans, or other personal information that only the legitimate person should know. The workflow includes an initial step that generates questions based on available data, followed by a final step that evaluates the applicant's answers and provides scoring results. This "in-wallet" authentication method helps verify identity by testing knowledge of information typically found in the applicant's credit file and financial records.

Request​

Responses​

Inquiry processed succesfully

Response Headers
    Agc-Applicant-Id

    The applicant id

    Source-Ip

    The source IP

    Agc-Report-Id

    A unique identifier for this transaction.

    Agc-Api-Version

    We update the API major version whenever we introduce breaking changes. Internally, we update minor and patch versions whenever we add functionality and backward-compatible updates

    X-Rate-Limit

    The current limit on a 5-minute window.

    X-Rate-Limit-Remaining

    The remaining calls on a 5-minute window.

    Timestamp

    The timestamp of the request reception.