curl --request POST \
  --url https://api.payvessel.com/kyc/api/v1/merchant/risk/blacklist/query \
  --header 'Content-Type: <content-type>' \
  --header 'api-key: <api-key>' \
  --header 'api-secret: <api-secret>' \
  --data '
{
  "phone_number": "08012345678",
  "bvn_no": "22123456789",
  "nin": "12345678901"
}
'

{
  "success": true,
  "message": "Blacklist query completed successfully",
  "data": {
    "result": "NO_HIT",
    "hit_time": 0,
    "request_id": "BLQ-20260402-0001"
  },
  "charges": {
    "charged": false,
    "charged_amount": "0.00"
  }
}