Identity & document verification
Document, biometric and electronic-identity checks across 200+ jurisdictions, returning an identity-confidence score in seconds.
At applicationLend faster. Catch the fraud and AML hits
Consumer lenders, BNPL providers, and SME lending platforms underwrite at speed, screen against sanctions and PEP lists, and catch synthetic identity and first-party fraud before disbursement.
Approve good borrowers in seconds
One decision fuses identity, sanctions, and fraud, so you say yes to real applicants faster and stop bad ones before disbursement.
✓Identity verified
✓Loan approved
- Sub-minute approvalsIdentity, sanctions, and fraud run in one pass, so low-risk borrowers clear in seconds and your funnel keeps moving.
- Fraud caught before disbursementSynthetic identities and first-party fraud are flagged at application, not after the money has left.
- Sanctions & PEP cleared up frontReal-time screening at application plus a daily refresh means no surprise hits once a loan is live.
- Exceptions, not every caseAuto-approve clean applicants and route only the genuine edge cases to a human, with the evidence attached.
Controls lenders deploy at every decision point
Identity, AML, fraud, affordability, and KYB checks stay tied to the same borrower record from application through repayment.
Sanctions, PEP & adverse media
Real-time screening at application plus a daily refresh on the live book. No surprise hits after the loan is disbursed.
At application + ongoingSynthetic identity
Device, behavioural and identity-document signals cross-referenced to catch fabricated applicants at the door, not after the money has left.
Before disbursementFirst-party fraud signals
Bust-out, loan-stacking and serial-defaulter patterns surfaced before approval using behavioural, velocity and network features.
Feeds your scoreSource of funds & affordability context
Structured source-of-funds evidence for higher-value loans, with risk-based escalation only where policy requires it.
Risk-basedKYB for SME loans
Know-your-business on company borrowers: UBO tracing, director screening and ongoing monitoring, built in.
SME & businessRules that run before and after money moves
Financial crime does not stop at approval. It shows up at application, at disbursement, on the second loan and during repayment. Run your own rules at each stage, in plain policy language.
Applycapture
Underwritescore
Decideapprove / review
Disburserelease funds
Monitorrepayment & book
Stage 01
At application
- Velocity & loan stacking
Multiple applications across lenders within hours.
- Device & IP reuse
One device behind many different applicants.
- Copy-paste & bot behaviour
Form-fill telemetry inconsistent with a real user.
- Previously declined or charged off
Re-applications under a new identity.
Stage 02
Before disbursement
- Synthetic identity
Fabricated profile assembled from real fragments.
- Mule account markers
Payout account flagged for pass-through activity.
- Sanctions / PEP / adverse media
Final screen before funds are released.
- First-payment-default risk
Patterns that fail the very first instalment.
Stage 03
After disbursement
- Bust-out trajectory
Utilisation ramp 30 to 60 days before default.
- Repayment anomalies
Sudden missed, reversed, or partial instalments.
- Pass-through & mule flow
Funds in and straight back out.
- Refund & chargeback abuse
BNPL return and dispute exploitation.
Compliance that doesn't kill conversion
See how lenders run identity, sanctions, and fraud at sub-minute decisioning speeds.