SIM Swap & Wallet Fraud

Same device, one attack — caught before either finishes.

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What you get

Stop SIM-swap takeovers

Catch the same device behind a "new" number

Break the laundering chain

Flag wallet-hopping in the same hour

Protect real customers

Don't punish users for a swapped SIM

Stay ahead of fraud rings

One signal across both halves of the attack

How visitor ID decides

When the SIM changes, the phone number looks new — the visitor ID still ties the wallet hops to the same hardware.

SIM changed. Visitor ID did not.

Visitor ID

vis_7a1e2c9f04b6d813

Stable across sessions, networks, and identity changes.

STEP UPDecision

Number looks new — visitor ID ties both halves of the attack to one device.

Wallet login

New MSISDN after SIM swap

Same visitor ID

Hardware continuity unbroken

Wallet hop #2

Funds move within the hour

Signals that matter here

Device Continuity
Recognizes the same hardware after a SIM swap
IP Geolocation
Flags a device operating from an unexpected location
Risk Score & Reason Codes
Explainable, traceable decisions your team can defend

25% of Kenyan mobile subscribers are affected by SIM swap fraud.

Source: Smile ID 2026 Fraud Report

Example verify response

Example response — illustrative. Field names, types, and shape may differ in production. Confirm the live schema with engineering before treating this as API documentation.

{
  "vis_id": "vis_7a1e2c9f04b6d813",
  "risk_score": 71,
  "action": "step_up",
  "reason": [
    "device_mismatch",
    "recent_sim_change_pattern"
  ],
  "global_risk_score": 64
}