KYC Tenure API

Overview

The KYC Tenure API checks whether the tenure (association duration) of a phone number is longer than a provided threshold datetime.

• Version: 0.1.0
• Base URL: https://api.pxg.konera.com/camara
• Path: /kyc-tenure/v0.1/verify
• OpenAPI: kyc-tenure.json

Typical use cases

• Account opening – Require that a phone number has been active for a minimum time before allowing new high‑risk accounts.
• Credit and lending decisions – Use tenure as an additional risk signal in credit scoring or BNPL flows.
• Fraud mitigation – Flag very new numbers when used for sensitive flows like password resets or large transfers.

Security

• OAuth2 Client Credentials
  • Token URL: https://auth.konera.com/oauth2/token
  • Scope: tenure.read – Read phone number tenure signal

Headers

• x-correlation-id (optional, string) – Correlation ID for request tracing.

Request

POST https://api.pxg.konera.com/camara/kyc-tenure/v0.1/verify

Body schema: TenureRequest

{
  "phoneNumber": "+919036499174",
  "thresholdDateTime": "2024-01-01T00:00:00Z"
}

Fields

• phoneNumber (string, required) – MSISDN in E.164 format.
• thresholdDateTime (string, date-time, required) – The API checks whether tenure is longer than this datetime.

Responses

200 – Tenure check result

Body schema: TenureResponse

{
  "tenureLongerThanThreshold": true,
  "tenureStartDateTime": "2020-06-15T00:00:00Z"
}

• tenureLongerThanThreshold (boolean) – true if the number tenure exceeds the threshold.
• tenureStartDateTime (string, date-time, nullable) – Earliest known activation time (if available).

HTTP status codes

Use the common Error schema (same shape as in Location Verification):

• 200 OK – Tenure successfully evaluated.
• 400 Bad Request – Invalid or missing fields (e.g., malformed datetime or phone number).
• 401 Unauthorized – Invalid/missing token.
• 403 Forbidden – Caller not allowed to use KYC signals.
• 429 Too Many Requests – Rate limit exceeded.
• 500 Internal Server Error – Unexpected server error.