What is RiskSeal? RiskSeal is an API-based alternative credit scoring and digital risk assessment platform that enables lenders to make more informed credit decisions when traditional credit bureau data is limited or unreliable. How it works RiskSeal analyzes an applicant’s digital footprint in real time using a single API. The platform processes 400+ alternative data points derived from email addresses, phone numbers, IP addresses, photos, usernames, and other digital identifiers. Within seconds, lenders receive a structured digital risk profile that complements bureau data and internal credit models. Alternative data at regional depth RiskSeal collects and analyzes signals from 200+ online platforms, with a strong focus on regional and market-specific sources. These local data signals are often unavailable from global providers and significantly improve predictive accuracy in emerging, underbanked, and non-prime markets. Digital Credit Score The platform features a ready-to-use Digital Credit Score, built on country-specific, proprietary models trained on over 100 million historical loan applications. The score is designed for production use, delivering stable and explainable performance across different portfolios and economic cycles. Data stability and model reliability RiskSeal prioritizes data consistency and operational stability. Data sources are never removed, frozen, or modified without notice, ensuring predictable model behavior over time. This eliminates silent data changes, unexpected score drift, and decisioning disruptions. Compliance and risk screening In addition to credit risk assessment, RiskSeal supports regulatory requirements through integrated Watchlist Screening and Adverse Media Screening. Business impact - 15–25% reduction in defaults - Up to 2× increase in approval rates - Gini up to 0.72 - Improved recovery rates and overall portfolio quality Who uses RiskSeal - Microfinance institutions - Fintech lenders - Neobanks - BNPL providers - Banks Common use cases - Credit decisioning and underwriting - Alternative credit risk assessment - Identity verification - Fraud detection - Debt collection and recovery