Underwriting Signals

Device history, the signal legacy bureaus can't see.

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What you get

Price risk more accurately

Device continuity as a new underwriting input

Serve thin-file borrowers

See trust signals bureaus never capture

Catch fraud rings early

Same device across many "new" applicants

Disburse with more confidence

Real signal, not just credit history

How visitor ID decides

A thin bureau file can still carry a rich visitor ID history — continuity and global risk the credit file never saw.

Visitor history bureaus can’t see

Visitor ID

vis_0c7d3f95e2a4b168

Stable across sessions, networks, and identity changes.

ALLOWDecision

Turn clean visitor continuity into an underwriting signal legacy bureaus miss.

Bureau file

Thin / no prior credit

Visitor ID history

Long continuity · consistent geo

Global risk score

18 · clean network reputation

Signals that matter here

Device Continuity
Turns hardware-level trust into an underwriting signal
Global Risk Score
Network-level view across the partner ecosystem
Risk Score & Reason Codes
Explainable, traceable decisions your team can defend

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_0c7d3f95e2a4b168",
  "risk_score": 22,
  "action": "allow",
  "reason": [
    "long_device_history",
    "consistent_geo"
  ],
  "global_risk_score": 18
}