Plataforma de Calificación Crediticia Digital para Mercados Emergentes

Al utilizar la solución de Puntaje Digital de Crédito de RiskSeal, los proveedores de tecnología financiera acceden a un conjunto de datos alternativos destinados a mejorar el proceso de evaluación del crédito, aplicando la ciencia de los datos para obtener resultados más precisos.

El servicio proporciona más de 400 puntos de datos a través del análisis de más de 200 plataformas en línea, incluidas las regionales. Garantizamos un análisis en profundo de la huella digital y el comportamiento financiero del prestatario. 

Sí. RiskSeal puede integrarse fácilmente con el sistema de originación de préstamos existente a través de sus API, como un complemento eficaz de su módulo de gestión de riesgos.

You'll receive insights across 7 key data categories:
1. Email data. Checks if an email is valid, how old it is, what type of domain it uses, whether it was exposed in breaches, and where it is used online.
‍2. Phone number data. Confirms if a number is real and active, its age, carrier, blacklist status, and use on messaging apps like WhatsApp or Telegram.
‍3. Social media activity. Public signals from platforms like Facebook, LinkedIn, or Instagram that reflect digital maturity and consistency.
‍4. Online shopping behavior. Engagement with marketplaces such as Amazon, eBay, Walmart, Mercado Libre, and others. This shows account age and everyday purchase activity.
‍5. Paid subscriptions. Ongoing use of services like Netflix, Disney+, or Spotify. These patterns can indicate budgeting habits and financial discipline.
‍6. Web and tech services. Signals from accounts with Apple, Google, Zoho, and similar platforms that show long-term digital engagement.
‍7. IP and network data. Connection type and location checks that help detect unusual or high-risk access patterns.

RiskSeal also includes AI-based identity checks, such as name matching and face comparison across profile images.

This helps confirm that the same person appears consistently across platforms – a critical defense against synthetic identities and account takeovers.

Together, these signals form a complete picture of an applicant's digital life, revealing patterns that traditional credit bureaus simply cannot see.

Absolutamente. Nuestra solución de Puntaje de Crédito Digital está diseñada para cumplir estrictamente de las regulaciones de privacidad, asegurando el pleno cumplimiento tanto del Reglamento General de Protección de Datos (GDPR) como de la Ley de Privacidad del Consumidor de California (CCPA).

What it measures:
-Digital maturity. How long have they used their email, phone, and online accounts?
-Behavioral consistency. Do their devices, IP addresses, and identity elements remain stable over time?
-Financial signals. Do they maintain paid subscriptions, shop online regularly, and show signs of budgeting discipline?

Score ranges help guide decisions:
-0-299. Very high risk, frequent red flags, and mismatched signals.
-300-499. Elevated risk, requires enhanced verification or manual review.
-500-699. Moderate risk, acceptable with standard underwriting checks.
-700-799. Strong profile, solid applicant, minimal friction needed.
-800-899. Excellent profile, highly reliable digital footprint.
-900-999. Outstanding stability, exceptional trust, and consistency.

Sí, lo obtendrá. Nuestro sistema proporciona un puntaje de crédito digital totalmente evaluado que refleja la solvencia de la persona.

When combined with traditional bureau scores, performance improves significantly:
-Digital-only model: AUC 0.67
-Bureau-only model: AUC 0.69
-Combined model: AUC 0.73

This uplift proves digital and behavioral data add context that traditional sources miss.

Bureaus often struggle with thin-file or no-file applicants due to limited repayment history. RiskSeal analyzes stability signals that exist without formal credit records, delivering stronger model discrimination, higher approvals in underserved segments, and lower portfolio default rates.

Cada solicitud se procesa en tiempo real, y generalmente tarda entre 5 y 12 segundos. La velocidad depende de las plataformas regionales habilitadas para su cuenta y de la complejidad del perfil especialmente cuando el complemento de reconocimiento facial está activado.

Local platforms are critical for accurate credit risk assessment because they reflect real behavior within a country. For example:
-Allegro in Poland
-Mercado Libre and Didi Taxi in Mexico
-Shopee in Malaysia
-Namshi in Saudi Arabia
-Rappi in Colombia
-Tokopedia in Indonesia

These signals are difficult to fake. Genuine residents typically use essential local apps, while fraudsters and synthetic identities often show inconsistent activity that doesn’t match local norms.

By continuously expanding regional coverage, RiskSeal helps lenders make more accurate, fair decisions across both mature and emerging markets.

Yes. RiskSeal is designed as an API-based digital lending platform that works smoothly with your existing decisioning infrastructure.

It integrates via RESTful API with minimal development effort and can be added as an enrichment module to your current workflow.

You don't need to replace your existing credit scoring system – RiskSeal layers on top of it.

Implementation timeline:
-Initial API integration: 1 to 5 business days for technical connection and testing
-Full production deployment: 2 to 4 weeks, depending on internal testing, compliance, and workflow configuration

Our technical team supports you throughout the entire process to ensure integration is simple, fast, and aligned with your operational requirements.

Whether you're using Salesforce, custom-built systems, or specialized lending platforms, RiskSeal fits into your stack as a flexible credit scoring tool without disrupting your existing processes.

Yes. RiskSeal is built on privacy-first principles and holds ISO 27001 certification for information security.

We are fully compliant with:
-GDPR (European Union)
-Mexico's LFPDPPP (Federal Law on Protection of Personal Data)
-CCPA (California Consumer Privacy Act)
-Regional data protection laws (across Latin America, Asia, Middle East, and Africa)

All data is collected with user consent, processed lawfully, and stored securely with encryption at rest and in transit.

We do not sell or share personal data with third parties outside the scope of credit assessment.

Privacy and compliance are not add-ons; they are core to how our credit scoring platform operates.

This ensures that as you expand into new markets or face evolving regulations, RiskSeal remains a trusted and compliant partner.

RiskSeal delivers results in approximately 5 seconds per application.

This real-time speed enables:
-Instant approval decisions without manual queuing
-Reduced friction in the customer journey
-Immediate fraud detection before funds are disbursed

Processing time may vary slightly based on regional platform coverage and optional features like facial recognition or enhanced identity verification.

Why real-time matters: Because data is captured at the exact moment of application, you see who the applicant is right now, not weeks or months ago.

This helps catch evolving fraud patterns, respond to changing borrower circumstances, and approve legitimate customers faster.

RiskSeal's credit scoring solution analyzes current behavior at the instant of application, giving you the most accurate, up-to-date risk signal possible.

RiskSeal delivers three primary outputs for every applicant, giving you flexibility in how you use our credit scoring software solutions:

1. Digital Credit Score (0-999). A single, country-specific risk score trained on insights from over 100 million loan applications.

This score predicts repayment behavior at the exact moment of application. 

2. Raw signal data. Full access to 400+ individual data points via API – email age, phone carrier type, social profile links, subscription activity, IP geolocation, and more.

This granular data allows you to build custom decision rules or enrich your existing models.

3. Decision flags and risk indicators. Pre-configured alerts for high-risk patterns like “TOR browser detected,” “email found in a spam list,” “invalid phone number,” or “identity mismatch across platforms.”

These flags enable immediate action without deep data analysis.

A Proof of Concept runs on your actual loan portfolio – typically 5,000 to 20,000 recent applications – to measure real-world performance before full deployment.

Standard PoC structure:
-Data sharing. You provide 6-12 months of historical application data (anonymized if needed).
-Independent scoring. RiskSeal credit scoring tool evaluates the dataset and returns risk scores and flags.
-Client-side validation. You compare RiskSeal scores to your historical outcomes to see the impact.

Typical results clients observe:
-Model discrimination. +5 to 15 Gini points when RiskSeal signals are added to existing credit models
-Approval rates. 40-80% increase in thin-file segments without raising overall portfolio risk
-Default reduction. 15-25% improvement in portfolio-level default rates due to better segmentation
-Fraud detection. Earlier identification of synthetic identities, account takeovers, and coordinated fraud rings

Timeline. Most PoCs complete in 2-4 weeks.

Implementation takes 6-8 weeks across three phases:

Phase 1. Proof of Concept (2-4 weeks)
We score a sample of your past applications to measure approval lift, default reduction, and model accuracy. You provide a secure export of historical applications and outcomes. We deliver a performance report comparing results to your current approach.

Phase 2. API Integration (1-5 business days)
Our team connects RiskSeal’s API to your loan origination system. No system rebuild is required – it adds a data enrichment step to existing workflows.

Phase 3. Production Rollout (2-4 weeks)
Phased deployment, monitoring, and threshold optimization with your risk team.

Requirements: 5,000+ sample records, API access, workflow alignment.

RiskSeal becomes a fully operational credit scoring solution within weeks.

Traditional bureaus and the RiskSeal credit scoring system play complementary roles in credit risk assessment.

‍Traditional bureaus:
-Rely on historical repayment data (loans, credit cards, utilities).
-Struggle with thin-file and no-file applicants.
-Update slowly and miss real-time behavioral signals.

RiskSeal:
-Analyzes real-time digital footprint and behavioral data.
-Works effectively for thin-file, no-file, and informal workers.
-Captures current stability patterns, even without formal credit history.

Bureaus answer: How was debt managed in the past?

RiskSeal answers: Does the applicant show stability right now?

Our credit scoring software solutions lift predictive accuracy from 0.67-0.69 standalone to 0.73 combined.

Social media is not required to receive a RiskSeal score.

While it’s one signal category, RiskSeal analyzes 400+ signals across email, phone, IP/device data, e-commerce activity, paid subscriptions, web services, and social platforms.

Applicants can score strongly without social accounts. Stability signals may include:
-A years-old email with consistent usage
-A long-term mobile number
-Active subscriptions (Netflix, Spotify, etc.)
-Regular e-commerce activity
-Stable devices and IP addresses

These patterns reflect consistency and genuine digital engagement – often more predictive of repayment than social activity.

RiskSeal’s model evaluates overall signal coherence, not any single platform, ensuring fairness and making our credit scoring solution effective for both highly active and minimally visible digital users.

No. RiskSeal’s credit scoring platform is built to comply with GDPR and regional data protection laws across LATAM, Europe, Asia, the Middle East, and Africa.

We ensure compliance through:
-Explicit consent. Obtained during the loan application process before any analysis begins.
-Public data only. No access to private messages or protected content.
-Legitimate interest. Credit risk assessment and fraud prevention are recognized legal bases.
-Data minimization. Only signals relevant to lending decisions are collected.
-Right to explanation. Applicants can request information about how their data was used.
-Secure processing. Encrypted data, ISO 27001-certified infrastructure, no third-party sales.

Digital credit scoring is a compliant, standard practice that improves inclusion while protecting privacy through transparency and proportional use of data.