const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    workflow_key: 'business_verification_default',
    reference_id: 'reverify_12345',
    metadata: {reason: 'annual_review'}
  })
};

fetch('https://api.getpalm.com/v1/business/{business_id}/verification', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

{
  "verification_id": "550e8400-e29b-41d4-a716-446655440000",
  "business_id": "bus_abc123",
  "status": "completed",
  "risk": {
    "level": "low",
    "reasons": [
      "Active UCC lien detected: $500,000 secured by Wells Fargo Bank",
      "Tax lien filed in Delaware: $25,000 owed to IRS",
      "Associate Jane Smith failed identity verification",
      "EIN issued less than 90 days ago",
      "Multiple bankruptcy filings in formation jurisdiction"
    ]
  },
  "match": {
    "legal_name": "match",
    "ein": "match",
    "entity_type": "match",
    "registration_jurisdiction": "match",
    "formation_jurisdiction": "match",
    "formation_date": "match",
    "address_line_1": "match",
    "address_line_2": "match",
    "city": "match",
    "region": "match",
    "postal_code": "match"
  },
  "created_at": "2025-10-24T10:30:00Z",
  "reference_id": "biz_12345",
  "associates": [
    {
      "user_id": "550e8400-e29b-41d4-a716-446655440000",
      "verification_id": "660f9511-f30c-52e5-b827-557766551111",
      "status": "completed",
      "risk": {
        "level": "low",
        "reasons": [
          "SSN first seen recently in bureau data",
          "Address mismatch detected",
          "High velocity on phone number (5 applications in 24 hours)",
          "Device fingerprint associated with known fraud",
          "Synthetic identity indicators detected with 85% confidence"
        ]
      },
      "match": {
        "first_name": "match",
        "last_name": "match",
        "middle_name": "match",
        "date_of_birth": "match",
        "ssn": "match",
        "email": "match",
        "phone_number": "match",
        "address_line_1": "match",
        "address_line_2": "match",
        "city": "match",
        "region": "match",
        "postal_code": "match"
      },
      "created_at": "2025-10-24T10:30:00Z",
      "reference_id": "user_12345",
      "synthetic": {
        "is_synthetic": false,
        "confidence_score": 15,
        "indicators": [
          "SSN issued after applicant date of birth",
          "Credit file recently established"
        ]
      },
      "velocity": {
        "email": 1,
        "phone": 2,
        "ssn": 1,
        "address": 3
      },
      "device": {
        "risk_score": 10,
        "is_emulator": false,
        "is_vpn": false,
        "is_proxy": false
      },
      "watchlist": {
        "status": "clear",
        "matches": [
          {
            "type": "sanctions",
            "name": "ofac_sdn",
            "confidence_score": 85
          }
        ]
      },
      "updated_at": "2025-10-24T10:35:00Z"
    }
  ],
  "updated_at": "2025-10-24T10:35:00Z"
}