Proveedor de datos alternativos para riesgo crediticio

Alternative data refers to non-traditional information used to evaluate creditworthiness beyond standard credit scores. It is based on digital footprints that help build a fuller picture of financial reliability.

This is especially useful for people with limited credit history, helping lenders make more confident decisions.

RiskSeal analyzes social and messenger presence, usernames and profile images, e-commerce activity, subscriptions, email and phone metadata, IP, and geolocation.

We also deliver region-specific subscriptions and local service usage with proven predictability, strengthening identity confidence and helping spot synthetic profiles earlier.

Alternative data is typically used as an enrichment layer within the credit underwriting process. It complements traditional credit bureau information rather than replacing it.

In practice, lenders integrate alternative data sources via APIs that analyze applicants’ digital footprints and behavioral signals in real time.

Basic identifiers – such as an email address, phone number, or IP – are evaluated to generate additional risk insights within seconds.

These insights can be combined with existing credit scores or decision rules to strengthen approval decisions, especially when traditional data is limited.

With RiskSeal, alternative data can be easily integrated into your lending workflow through API connections that analyze applicants' digital footprints in real-time.

RiskSeal achieves 98% coverage of the underserved population. This makes our alternative credit scoring company highly effective for scoring individuals with limited or no traditional credit history.

Our digital footprint analysis provides reliable predictive signals even for first-time borrowers, recent immigrants, young adults, informal workers, and others excluded from conventional credit systems.

The platform's accuracy is validated by real-world performance data showing up to 25% default rate reduction among lenders using our scoring.

By analyzing hundreds of alternative data points, we can assess creditworthiness with high confidence even when traditional credit bureau data is unavailable or insufficient.

RiskSeal credit risk platform provides comprehensive digital footprint analysis that includes:

-Network and access signals. IP-based indicators such as connection type, geolocation, and routing behavior help surface location inconsistencies and high-risk access patterns in real time.
-Digital commerce activity. Engagement with major online marketplaces, such as Amazon, eBay, Walmart, or Mercado Libre, provides insight into account longevity, purchasing behavior, and everyday financial activity.
-Subscription behavior. Ongoing payments for services like Spotify, Netflix, or Disney+ signal discretionary spending, budgeting habits, and sustained financial responsibility.
-Email footprint analysis. Factors like address validity, domain classification, creation timeline, breach exposure, and linkage across established platforms help separate durable identities from recently created ones.
-Mobile number intelligence. Validation checks, carrier information, number age, blacklist flags, and presence on messaging apps such as WhatsApp or Telegram indicate whether a phone number is active, legitimate, and consistently used.
-Social identity signals. Public-facing activity across networks like LinkedIn, Facebook, or Instagram helps assess digital maturity, identity coherence, and real-world presence.
-Technology and cloud service usage. Interaction with ecosystems such as Apple, Google, Zoho, and similar platforms reflects depth of digital engagement and long-term account usage.

All data points are collected and analyzed across 200+ global and regional platforms, providing over 400 real-time data points per applicant to create a complete picture of credit risk.

RiskSeal is built to complement traditional credit bureaus, while remaining effective as a standalone solution when bureau data is unavailable.

Independent testing shows that RiskSeal’s digital scoring model can reliably distinguish higher- and lower-risk borrowers on its own (digital-only AUC ≈ 0.67).

When combined with bureau data, performance improves further (combined AUC ≈ 0.73), confirming that behavioral and digital signals add context rather than overlap with traditional credit information.

For applicants with established credit histories, using both sources delivers the most accurate risk assessment. For thin- or no-file borrowers, our alternative data company can act as the primary scoring layer.

The minimum inputs required to run a RiskSeal assessment typically include an applicant’s email address, phone number, and IP address.

Optional inputs, such as full name or address, can further enrich the analysis but are not mandatory and can be tailored to specific lending use cases.

RiskSeal’s API processes these inputs and returns a comprehensive credit risk score with detailed insights in under five seconds, enabling seamless integration into existing application flows with minimal borrower friction.

For teams evaluating fit, RiskSeal offers a free proof of concept, allowing fintechs to test the API on their own real-world data.

Yes. RiskSeal is designed to operate in compliance with GDPR and applicable global data protection regulations.

Our API is built specifically for use in regulated credit risk environments. It processes only publicly accessible digital signals or data provided with explicit user consent.

RiskSeal does not log into accounts, access private or closed profiles, read messages, analyze content behind authentication, or collect special categories of personal data.

Our alternative data platform operates within the lender’s lawful basis for processing and does not replace the lender’s own compliance or decision-making responsibilities.

RiskSeal is designed to avoid OSINT-style collection and focuses strictly on signals relevant to credit risk and fraud assessment.

Alternative data can be used under GDPR when it is based on lawful sources, clear purpose limitation, and transparent processing.

RiskSeal relies on public digital signals and consented data sharing, not unauthorized personal data collection.

We minimize data collection, explain what we use and why, protect it with strong security controls, and support individuals’ rights to access and control their data.

This keeps digital footprint analysis effective while staying fully GDPR-compliant.

ISO 27001 certification means RiskSeal has implemented and maintains a comprehensive Information Security Management System (ISMS) that meets internationally recognized standards for protecting sensitive data.

For your organization, this certification assures that RiskSeal:
-Protects your customers’ data in accordance with the highest security standards.
-Undergoes regular independent third-party audits of its systems and processes.
-Maintains robust controls to prevent data breaches and mitigate security risks.
-Adheres to industry best practices in risk management and incident response.

When you partner with RiskSeal, ISO 27001 certification reduces your own compliance burden and risk exposure, as you're working with a vendor that demonstrates proven commitment to information security.

Yes, RiskSeal credit risk platform is highly customizable to fit your specific lending model, target market, and risk appetite.

Our platform can be tailored to:
-Emphasize specific data sources most relevant to your market geography.
-Adjust scoring models to align with your risk tolerance and portfolio goals.
-Customize thresholds and decision rules within your approval workflow.
-Focus analysis on specific customer segments or product types.
-Integrate seamlessly with existing systems and decision engines.

We work closely with each client to configure RiskSeal to maximize performance for their unique use case, whether you're serving microloans in emerging markets, BNPL in e-commerce, or personal loans in developed economies.

RiskSeal is built for fast and easy integration.

Most teams can complete an initial integration in 1 business day.

Full deployment into production typically takes 2-4 weeks, depending on internal testing, approvals, and rollout processes.

Our team supports you throughout the process to keep things moving smoothly.

Once live, RiskSeal delivers real-time risk insights in under five seconds per applicant, without slowing down your application flow or impacting the customer experience.

RiskSeal supports alternative credit scoring, underwriting, embedded lending, and collections. The solution enriches scorecards with digital footprint signals and a real-time digital credit score.

RiskSeal integrates via API into underwriting and collections workflows. Our data helps lenders improve approvals, reduce defaults, and prioritize borrowers in collections.

We focus on alternative data that strengthens risk decisions beyond traditional credit bureaus.

RiskSeal offers digital footprint tracking with identity risk scoring. 

We analyze online signals linked to email and phone. This includes social presence, subscription activity, behavioral patterns, and risk indicators.

RiskSeal converts these signals into a structured risk assessment and digital credit score.

Our goal is to help lenders identify high-risk profiles and make better decisions in real time.

RiskSeal provides real-time alternative credit risk analysis.

We analyze digital footprint data linked to an applicant’s email and phone. This includes online presence, subscriptions, activity signals, and risk markers.

The data is delivered instantly via API.

Lenders combine our digital credit score with bureau data to strengthen decision-making.

AI credit platforms use alternative data instead of relying only on credit bureau history.

E.g., RiskSeal analyzes digital footprint signals. This includes email data, phone data, online activity, and behavioral indicators.

So RiskSeal processes hundreds of real-time signals per applicant.

We generate a digital credit score that helps assess thin-file and no-file borrowers. This allows lenders to expand access while maintaining risk control.

RiskSeal delivers alternative credit insights in real time via API.

The API analyzes digital footprint signals linked to email and phone. It returns a structured response with risk indicators and a credit score. 

The response is generated within seconds.

RiskSeal is built for fintechs and lenders that need fast, reliable, and scalable risk enrichment.