Lending Software
For Approving Credit-Invisible in Real Time
RiskSeal delivers 400+ unique alternative data points per borrower to see what traditional scores miss. We help lenders prevent defaults, automate approvals, and assess risk in seconds.
Benefits of using an online lending system
Fight fraud effectively
Combat fraud with advanced analytics and new data sources to safeguard your loan portfolio.
Accelerate loan processing
Streamline loan applications for swift processing. Automate reviews for efficient and prompt loan approvals.
Identify high-value customers
Evaluate customers without a credit history to expand your approved base and enter new markets.
Complete your traditional data with digital footprint insights
Micro lending management software that cuts default rates
RiskSeal offers an API risk evaluation solution tailored for lenders. It goes beyond data enrichment - it’s a complete user scoring and decision-making system.
Using just a user email, phone number, and IP address data, RiskSeal analyzes a customer's digital footprint and provides their detailed digital profile.
Easy verification
Real-time check performed with API, email, and phone number.
Comprehensive user screening
Deep user analytics and the creation of a detailed digital profile with 400+ data points.
Region-specific solutions
Swift addition of local services. A custom approach for seamless integration.
Digital Identity Verification
Identity verification using social signals and digital footprints.
Scalable system
Applications check with any technical and pricing limitations. Easy API integration.
Digital Credit Score
Ready to use, AI-powered digital credit score system.
Results lenders get with online loan application software
Approved customer base growth
Identification of trustworthy customers from high-risk ones, even with low or no credit rating.
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Proactive default prevention
Stop defaulting loans before they happen and avoid the cost of debt collection, or loss from no repayment.
Credit risk reduction
Real-time, accurate, and extensive data to spot default risk, even in underbanked areas or without access to a credit bureau.
Transform borrower data into faster, safer loan approvals
Institutions growing faster with RiskSeal’s online lending system
Microfinance institutions
RiskSeal helps MFI credit solutions assess potential borrowers with 400+ alternative data points and cut defaults by 25%.
Payday lenders
We power online payday loan providers with digital footprint insights from 200+ sources to cut defaults and keep approvals high.
Auto lenders
Our AI-driven alternative data analysis strengthens auto loans underwriting and helps decrease likelihood of default by 25%.
Online consumer finance companies
RiskSeal helps online personal loan lenders create alternative credit scores in under 5 seconds, even for credit-invisible applicants.
Point-of-sale lenders
We help POS lending systems increase approval rates by 50% while keeping onboarding fast and default rates under control.
Peer-to-peer lending platforms
RiskSeal empowers P2P loan platforms with 400+ data points, from digital footprints to fraud signals, for stronger risk models.
FAQ
How RiskSeal can improve the default ratio?
RiskSeal Digital Credit Score takes user identifiers (such as email, phone, and IP). It analyzes various digital and social signals in real-time to produce a reliable score that helps in assessing customers in the absence of credit history.
How does the integration with RiskSeal look like?
It’s a single API Endpoint where you send us the data and get an instant response. We support both synchronous and asynchronous integration, depending on the user flow. We require no embedded SDK or any other piece of software that should run on the device.
Can you provide examples of the digital and social footprint RiskSeal provides?
RiskSeal seamlessly verifies user identifiers across 200+ digital and social platforms to pull information about online reputation, digital presence, and financial behavior. The average profile created with RiskSeal includes name info, email age, email deliverability, registration information across 200+ platforms, whether email and phone number are connected and belong to the same person, and more.
Does RiskSeal flag bad customers across the region?
Yes, our clients benefit from network effects across our active regions.
