> For the complete documentation index, see [llms.txt](https://docs.verifyme.ng/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.verifyme.ng/introduction/about-verifications.md).

# About Verifications

#### Risk Levels

Some of our verifications might require the [applicant's Identity](/glossary.md) to be verified. But we understand that these may not be necessary for your use case.

To solve this we introduced **risk levels** that are specific for each organization on our platform. These help us determine how strict our system should verify the data provided. They are set by our customer service while enabling an organization for API access.

They are:

| Risk Level | Description                                                                               |
| ---------- | ----------------------------------------------------------------------------------------- |
| **NONE**   | This implies that no form of identity verification should be done on applicants           |
| **LOW**    | This implies that only the **last name** of the applicant would be verified               |
| **MEDIUM** | This implies that the **last name** and **first name** of the applicant would be verified |
| **HIGH**   | This implies the **first name, last name,** and **date of birth** would be verified       |

{% hint style="warning" %}
The optional fields for each request are dependent on what threshold your account is set on ie If a particular threshold is selected and the fields required are not provided then the verification will throw an error.

Eg: A company "Z" registers an account with a **MEDIUM** risk level. if  Z wants to make an address verification request and the request does not contain the **firstname** or **lastname** fields for the applicant, then Z's API request would return an error. 
{% endhint %}

The minimum risk levels for each of our verifications are:

| Verification            | Minimum Risk Level |
| ----------------------- | ------------------ |
| Address Verifications   | **LOW**            |
| Guarantor Verifications | **LOW**            |

####

#### Identity Payload Type

This simply refers to the number of data sets returned for identity verifications (National ID number). We have 2 types:

* **FULL** - When this is enabled for your account, You get access to the full NIN data sets.
* **HALF** - When this is enabled for your account, You get access to lesser NIN data sets.


---

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