Incognia Onboarding API

openapi: 3.1.0
info:
  title: Incognia Authentication Onboarding API
  version: v2
  description: 'Incognia is a location identity and device fingerprinting platform for fraud prevention. The API returns real-time risk assessments (low_risk, high_risk, unknown_risk) for onboarding signups and authentication transactions (login and payment), and accepts feedback events used to continuously tune the risk model. Assessments combine device recognition signals, location behavior analysis, and tamper detection. Authentication uses OAuth 2.0 client credentials: a client_id and client_secret are exchanged at the token endpoint for a short-lived bearer access token.'
  contact:
    name: Incognia Developer Support
    url: https://developer.incognia.com/
  x-source: Faithfully reconstructed from the official Incognia Go client library (github.com/inloco/incognia-go) endpoints, request and response types. Not a provider-published OpenAPI.
servers:
- url: https://api.incognia.com/api
  description: Production
security:
- bearerAuth: []
tags:
- name: Onboarding
  description: Signup risk assessment
paths:
  /v2/onboarding/signups:
    post:
      operationId: registerSignup
      tags:
      - Onboarding
      summary: Register a signup for risk assessment
      description: Evaluate a new-user onboarding signup and return a risk assessment. Send either an installation_id (mobile SDK) or a request_token (web), plus an optional address to assess address quality and location behavior.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/SignupRequest'
      responses:
        '200':
          description: Signup risk assessment
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/SignupAssessment'
        '400':
          description: Invalid request parameters
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '401':
          description: Missing or invalid access token
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
        '403':
          description: Access token lacks permission for this resource
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/Error'
components:
  schemas:
    Coordinates:
      type: object
      properties:
        lat:
          type: number
          format: double
        lng:
          type: number
          format: double
    SignupAssessment:
      type: object
      properties:
        id:
          type: string
        device_id:
          type: string
        request_id:
          type: string
        risk_assessment:
          $ref: '#/components/schemas/RiskAssessment'
        evidence:
          type: object
          additionalProperties: true
        reasons:
          type: array
          items:
            $ref: '#/components/schemas/Reason'
        actions:
          type: array
          items:
            type: string
        signals:
          type: object
          additionalProperties: true
    RiskAssessment:
      type: string
      enum:
      - low_risk
      - high_risk
      - unknown_risk
      description: Overall risk verdict returned by Incognia.
    Error:
      type: object
      description: Incognia error envelope.
      properties:
        message:
          type: string
          example: missing credentials
    PersonID:
      type: object
      properties:
        type:
          type: string
        value:
          type: string
    StructuredAddress:
      type: object
      properties:
        locale:
          type: string
        country_name:
          type: string
        country_code:
          type: string
        state:
          type: string
        city:
          type: string
        county:
          type: string
        borough:
          type: string
        neighborhood:
          type: string
        street:
          type: string
        number:
          type: string
        complements:
          type: string
        postal_code:
          type: string
    SignupRequest:
      type: object
      properties:
        installation_id:
          type: string
        request_token:
          type: string
        related_web_request_token:
          type: string
        session_token:
          type: string
        app_version:
          type: string
        device_os:
          type: string
        address_line:
          type: string
        structured_address:
          $ref: '#/components/schemas/StructuredAddress'
        address_coordinates:
          $ref: '#/components/schemas/Coordinates'
        account_id:
          type: string
        policy_id:
          type: string
        external_id:
          type: string
        tenant_id:
          type: string
        custom_properties:
          type: object
          additionalProperties: true
        person_id:
          $ref: '#/components/schemas/PersonID'
    Reason:
      type: object
      properties:
        code:
          type: string
        source:
          type: string
  securitySchemes:
    basicAuth:
      type: http
      scheme: basic
      description: client_id and client_secret sent as HTTP Basic credentials to the token endpoint.
    bearerAuth:
      type: http
      scheme: bearer
      bearerFormat: JWT
      description: OAuth 2.0 bearer access token obtained from POST /v2/token.
    oauth2:
      type: oauth2
      description: OAuth 2.0 client-credentials grant. No scopes are defined; access is scoped by the credential's tenant.
      flows:
        clientCredentials:
          tokenUrl: https://api.incognia.com/api/v2/token
          scopes: {}