# RiskSeal


> RiskSeal provides credit companies with unique local alternative data unavailable from any other vendor, giving scoring models new predictive power where bureaus and traditional tools fail. It delivers high-coverage regional data sources across multiple markets, enabling risk teams to capture fresh signals that improve segmentation, reduce defaults, increase approvals, and enhance collections. RiskSeal acts as a dedicated data-enrichment layer inside your risk model, uncovering insights no other provider can.


RiskSeal is an API-based Digital Credit Scoring Platform that enriches credit decisions using 400+ alternative data points per applicant, combining digital footprint analysis, proprietary scoring, and enriched identity signals.  
The platform offers real-time data enrichment via a single API, analyzes applicants across 200+ platforms, and provides both a ready-to-use score and raw underlying data.


RiskSeal is used by microfinance institutions, fintechs, neobanks, BNPL providers, and banks.  
Primary use cases include credit decisioning, risk assessment, identity verification, fraud detection, and debt collection.


Core business results include:  
- 15–25% decrease in defaults  
- 2× increase in approvals  
- Gini = 0.72  
- Improved recovery rates  


Note: API documentation exists but is private and not publicly exposed.


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## Digital Credit Scoring Platform


- [Digital Credit Scoring](https://riskseal.io/features/digital-credit-scoring): Overview of the scoring platform, data enrichment process, and core scoring methodology.


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## Digital Footprint Signals


- [Digital Footprint Analysis](https://riskseal.io/features/digital-footprint-analysis): Email, phone, IP, device, usernames, photos, and other digital identity signals used to build enriched applicant profiles.


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## Use Cases


- [Credit Decisioning](https://riskseal.io/use-cases/credit-decisioning)  
- [Risk Assessment](https://riskseal.io/use-cases/risk-assessment)  
- [Identity Verification](https://riskseal.io/use-cases/identity-verification)  
- [Debt Collection](https://riskseal.io/use-cases/debt-collection-software)  
- [Fraud Detection](https://riskseal.io/use-cases/fraud-detection-software)


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## Identity, Verification, and Compliance


- [Watchlists & Adverse Media](https://riskseal.io/aml-screening-software): Screening against watchlists, sanctions, and adverse media sources.


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## Company


- [About RiskSeal](https://riskseal.io/about-us): Company mission, team, and background.


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## Optional


- [RiskSeal LinkedIn](https://www.linkedin.com/company/riskseal/): Corporate social media page.