TDS Risk
Products
Trust Score — £0.35/check Mobile KYC — £0.45/check
Use cases
Consumer Lending Insurance Fintech & Payments iGaming Lead Generation Lead buying Affiliate Networks Account Creation
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Developer Reference

TDS Risk API and product changelog

Every update to the TDS Risk API, platform, and infrastructure. We version our API carefully — breaking changes are always pre-announced with a minimum 60-day deprecation window.

Jump to version
v2.3.0 — Oct 2026 v2.1.0 — Mar 2026 v2.0.0 — Jan 2026 v1.9.0 — Nov 2025 v1.8.0 — Sep 2025 v1.7.0 — Jul 2025 v1.0.0 — Apr 2025
v2.3.0 12 October 2026 Minor ✓ Latest
✦ New
Multiple audit log webhooks per account. Each webhook has its own name, endpoint and events, and can be paused, resumed or disconnected independently.
Pausing a webhook keeps its endpoint and signing secret; queued events are delivered when it is resumed. Disconnecting removes the endpoint and secret, while past deliveries stay in the Account Audit Log.
Every Account Audit Log event now shows its webhook delivery status: delivered, pending, retrying or failed, with time, attempts and response code.
webhook.paused, webhook.resumed and webhook.disconnected events added to the Account Audit Log.
↑ Improved
Passkey replaced with a 6 digit PIN. PINs are stored hashed and lock for 15 minutes after 5 wrong attempts. Existing passkeys that are not 6 digits need to be set again once.
Masked personal details on a check result are only sent to the browser after the PIN is verified.
Status page components regrouped into Core services, Compliance & evidence and Carrier connections, with new entries for Risk Recall, Account Audit Log, Audit webhook service, Policy versioning, Retention & deletion and Smart Alerts.
Status page API uptime, error rate and average response time are now measured from live traffic. Out of credit (402) responses are not counted as errors.
v2.1.0 17 March 2026 Minor
✦ New
Trust Score now returns callDirection field — MO (outgoing) or MT (incoming) when a call is in session.
Trust Score now returns callDuration — duration of active call in seconds when callInSession is true.
Postman collection updated with the new call session fields.
↑ Improved
Audit record download now includes a permanent reference URL alongside the downloadable PDF snapshot.
v2.0.0 14 January 2026 Major
✦ New
Mobile KYC endpoint added — granular identity match with nameScore, firstName, lastName, addressScore, dob, isLostStolen, and accountType.
40+ KYC reason codes added — includes full synthetic identity detection codes S1–S4, ownership tenure bands KA–KO, and address classification codes.
Self-serve onboarding flow launched — businesses can now create API keys, declare legal basis, and go live without any manual review or sales call.
Automated privacy policy scanning — paste your URL, we verify GDPR compliance automatically. Access conditional on passing scan.
Role-based audit trail — every check now records the Data Controller (customer) and Processor (TDS) roles.
↑ Improved
Community pricing model introduced — flat rate for all customers regardless of volume. £0.35 Trust Score, £0.45 Mobile KYC. No contracts, no minimums, credits never expire.
⚠ Breaking changes
reason_codes field renamed to indicators in Trust Score response. The v1.x reason_codes field was deprecated in v1.9 and is now removed.
v1.9.0 3 November 2025 Minor
✦ New
phoneRisk boolean added to Trust Score — true if number appears on public shared phone number lists.
Daily privacy policy monitoring enabled — automated scans run every 24 hours, access suspended if required disclosures are removed.
↑ Improved
reason_codes deprecated in favour of indicators — both fields returned during transition period until v2.0.
v1.8.0 18 September 2025 Minor
✦ New
Cryptographic signature added to audit records — every check now produces a SHA-256 signed, immutable audit record.
simTimestamp field added — returns exact timestamp of most recent SIM swap event.
⬡ Fixed
Fixed edge case where riskLevel could return null instead of -1 when SIM swap data was unavailable.
v1.7.0 2 July 2025 Minor
✦ New
lineType field added — mobile, landline, VoIP and other line types.
callInSession boolean added — real-time call activity detection.
v1.0.0 3 April 2025 Major 🚀 Initial launch
✦ New
Trust Score API — risk score 0–1000 with riskLevel SIM swap detection.
Initial reason code set covering device velocity, SIM events, line type, and network status.
REST API with JSON request and response, authenticated with your API key.
Basic audit logging — requestId and timestamp recorded per check.