# Accrue Savings Identity Verification API

**Canonical:** https://apis.io/apis/accrue-savings/accrue-savings-identity-verification-api/  
**Provider:** Accrue Savings — https://apis.io/providers/accrue-savings/  
**Base URL:** https://merchant-api.accruesavings.com  
**Documentation:** https://docs.byaccrue.com/api/

Accrue Savings Identity Verification API is one of 18 APIs that [Accrue Savings](https://apis.io/providers/accrue-savings/) publishes on the [APIs.io](https://apis.io/) network, described by a machine-readable OpenAPI specification. Tagged areas include Identity Verification. The published artifact set on APIs.io includes an OpenAPI specification, API documentation, an API reference, and a getting-started guide.

Identity Verification provides knowledge-based authentication for sensitive account changes. Use these endpoints to challenge a user with profile and wallet questions, then apply verified phone or email updates with a single-use verification token.

## Operations (3)

| Method | Path | Summary |
|---|---|---|
| POST | `/api/v1/users/:userIdentifier/identity-verification/challenges` | Create Identity Verification Challenge |
| POST | `/api/v1/users/:userIdentifier/identity-verification/challenges/:challengeId/submissions` | Submit Identity Verification Challenge |
| POST | `/api/v1/users/:userIdentifier/identity-verification/profile-updates` | Apply Verified Profile Update |

## Machine-readable artifacts (6)

- **OpenAPI** — https://raw.githubusercontent.com/api-evangelist/accrue-savings/refs/heads/main/openapi/accrue-savings-identity-verification-api-openapi.yml
- **Documentation** — https://docs.byaccrue.com/
- **APIReference** — https://docs.byaccrue.com/api/
- **GettingStarted** — https://docs.byaccrue.com/getting-started-api
- **Sandbox** — https://raw.githubusercontent.com/api-evangelist/accrue-savings/refs/heads/main/sandbox/accrue-savings-sandbox.yml
- **Webhooks** — https://raw.githubusercontent.com/api-evangelist/accrue-savings/refs/heads/main/asyncapi/accrue-savings-merchant-api-webhooks.yml

## Other Accrue Savings APIs (12)

- [Accrue Savings Banking API](https://apis.io/apis/accrue-savings/accrue-savings-banking-api/)
- [Accrue Savings Counterparties API](https://apis.io/apis/accrue-savings/accrue-savings-counterparties-api/)
- [Accrue Savings Counterparty Transfers API](https://apis.io/apis/accrue-savings/accrue-savings-counterpartytransfers-api/)
- [Accrue Savings External Transactions API](https://apis.io/apis/accrue-savings/accrue-savings-externaltransactions-api/)
- [Accrue Savings Gifts API](https://apis.io/apis/accrue-savings/accrue-savings-gifts-api/)
- [Accrue Savings Payments API](https://apis.io/apis/accrue-savings/accrue-savings-payments-api/)
- [Accrue Savings Rewards API](https://apis.io/apis/accrue-savings/accrue-savings-rewards-api/)
- [Accrue Savings Simulations API](https://apis.io/apis/accrue-savings/accrue-savings-simulations-api/)
- [Accrue Savings Sweepstakes API](https://apis.io/apis/accrue-savings/accrue-savings-sweepstakes-api/)
- [Accrue Savings Users API](https://apis.io/apis/accrue-savings/accrue-savings-users-api/)
- [Accrue Savings Wallets API](https://apis.io/apis/accrue-savings/accrue-savings-wallets-api/)
- [Accrue Savings Webhook Topics API](https://apis.io/apis/accrue-savings/accrue-savings-webhook-topics-api/)

## Tags

Identity Verification

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/apis/accrue-savings/accrue-savings-identity-verification-api/). The API's provider profile, Kin Score and agent-readiness rating are at https://apis.io/providers/accrue-savings/.