RiskSeal

RiskSeal analyzes an applicant’s digital footprint in real time through a single API. Using digital identifiers such as email address, phone number, IP address, name, location, username, and photo, the platform evaluates signals across 200+ online platforms and transforms them into a structured risk profile and a ready-to-use Digital Credit Score.

RiskSeal operates across 27 markets, with particularly strong expertise in LATAM, and provides 450+ region-specific data insights per report.
The result is a clearer picture of each applicant that lenders can use alongside their existing bureau data and scoring models to make more accurate decisions.

Business impact
- up to 25% reduction in defaults
- Up to x2 higher approval rate in thin-file segments
- Gini up to 0.78
- Real-time scoring in under 5 seconds
- 98% coverage of underserved applicants

Use cases
- Credit decisioning
- Alternative credit risk assessment
- Identity verification
- Debt collection and recovery
- Fraud detection