RiskSeal

RiskSeal is an alternative credit risk platform that helps lenders see what traditional bureaus miss. It analyzes digital footprint data to help lenders understand the person behind the application, not just their past repayment records.

Credit providers use RiskSeal as an extra predictive layer on top of their existing scoring models to improve risk segmentation, reduce defaults, increase approval rates, and add fresh insight to limited or outdated credit profiles.

How it works

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.

The vendor states their solution's business impact includes:

- 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

Who uses RiskSeal

- Microfinance institutions
- Fintech lenders
- Neobanks
- BNPL providers
- Banks

Common use cases

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