Signup checks in Ruby on Rails

# app/services/veqen.rb
require "net/http"
require "json"

class Veqen
  URL = URI("https://veqen-app.com/v1/signup/check")

  def self.screen(email:, ip: nil, phone: nil)
    http = Net::HTTP.new(URL.host, URL.port)
    http.use_ssl = URL.scheme == "https"
    http.open_timeout = 2
    http.read_timeout = 4
    request = Net::HTTP::Post.new(URL, "Content-Type" => "application/json",
                                       "Authorization" => "Bearer #{ENV.fetch('VEQEN_API_KEY')}")
    request.body = { email: email, ip: ip, phone: phone }.compact.to_json
    response = http.request(request)
    response.is_a?(Net::HTTPSuccess) ? JSON.parse(response.body) : nil
  rescue StandardError
    nil # fail open
  end
end

# app/controllers/registrations_controller.rb
class RegistrationsController < ApplicationController
  def create
    check = Veqen.screen(email: params[:email], ip: request.remote_ip)
    verdict = check ? check.dig("risk", "verdict") : "review"

    if verdict == "refuse"
      flash.now[:alert] = "Please use a permanent email address."
      return render :new, status: :unprocessable_entity
    end

    @user = User.create!(email: params[:email], password: params[:password],
                         canonical_email: check&.dig("email", "canonical"),
                         needs_verification: verdict == "review")
    redirect_to onboarding_path
  end
end