RiskSeal Information

RiskSeal Digital Credit Scoring System is an API-based platform for credit risk management. We provide alternative data for credit scoring - over 400 data points for each credit applicant. Our platform offers real-time data enrichment through a single API. We perform digital footprint analysis using email addresses, phone numbers, IPs, photos, and usernames. This delivers a full digital profile in seconds, significantly enriching credit bureau data. RiskSeal analyzes loan applicants’ data across 200+ platforms. Most importantly, we provide alternative data from regional platforms, which greatly enhances the predictive power of scorecards. RiskSeal offers a ready-to-use Digital Credit Score, based on a country-specific proprietary model trained on over 100 million applications. Its predictive power is exceptionally high. RiskSeal is designed for credit risk teams. We provide not only credit scoring but also raw data behind it. This lets risk managers analyze, verify, and improve their scoring models. Our core principle is data consistency. We never freeze, delete, or modify datasets without notice. We ensure reliable data feeds that keep scoring models performing predictably over time. No downtime, no random score drift. The platform also includes Watchlist Screening and Adverse Media Screening, ensuring full compliance. Core business results: - 15-25% decrease in defaults - 2× increase in approvals - Gini = 0.72 - Improved recovery rates Who it’s for Financial organizations that issue loans: microfinance institutions, fintechs, neobanks, BNPL providers, and banks. Use cases Credit decisioning, risk assessment, identity verification, fraud detection, and debt collection.