TDS Risk
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Trust Score — £0.35/check Mobile KYC — £0.45/check
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Consumer Lending Insurance Fintech & Payments iGaming Lead Generation Lead buying Affiliate Networks Account Creation
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Account creation · Onboarding · Digital platforms

Detect fraudulent account creation before KYC and onboarding

Detect account creation fraud risk before full KYC, identity verification or account provisioning. Trust Score assesses the mobile number, while Mobile KYC compares the submitted name, address and date of birth with available carrier information.

✓Screen mobile-number risk before full KYC or IDV begins
✓Assess recent SIM activity, line type and number status
✓Compare name, address and date of birth using Mobile KYC
✓Use reason codes and match scores inside your own onboarding rules
✓Retain an auditable record of every check and response
<2s
Per check
4
UK carriers
<10m
To go live
£0.35
Flat rate
Trust Score — Live Live signal
820 / 1000
riskLevel
4 — 720h+
lineType
mobile
phoneRisk
false
carrier
EE
Upstream Impact Pays for itself
Upstream Checks Run
90,000
Bad Submissions Blocked
19,800 / month
Downstream Cost Avoided
£138,600
Net Monthly Impact
+£107,100
Example Trust Score response 200 OK
{ "trustScore": 820, // 0–1000. Higher = more trusted "riskLevel": 4, // 4 = no SIM swap in 720+ hours ✓ "simTimestamp": "2023-05-22T03:48Z", // Last SIM event "indicators": ["PT"], // PT = ported · info "carrier": "EE", // Mobile network "lineType": "mobile", // Not VoIP, not landline ✓ "phoneRisk": false, // Not on shared fraud lists ✓ "callDivert": false, // Call forwarding signal ✓ "countryCode": "GB" }
The problem

Account creation fraud signals to check before onboarding

🏦

Fraudulent account creation

Names, addresses and dates of birth entered into a form may be genuine, stolen or altered. Available carrier data can provide an additional comparison point.
🔄

SIM swap and account-takeover risk

A recent SIM change may be relevant when a mobile number will be used for OTPs, recovery or ongoing account security. It should be assessed alongside other evidence.
💸

VoIP, inactive and non-mobile numbers

Inactive, non-mobile or higher-risk line types may not meet the requirements of a mobile-led onboarding journey.
🤖

KYC and provisioning costs

If mobile-number risk is assessed only after document checks, liveness or account creation, the business may already have incurred downstream costs.
"

Trust Score assesses the number. Mobile KYC compares available identity data. Your onboarding policy decides what happens next.

TDS Risk principle
⬆ Upstream check

TDS Risk sits before full KYC, IDV and account provisioning. Use Trust Score for mobile-number risk and Mobile KYC where carrier-derived identity matching is appropriate for the journey.

£0.35
Trust Score / check
<2s
Response time
Where TDS Risk sits

Before KYC and account provisioning.

TDS Risk adds an early carrier-derived evidence layer. It does not replace every identity, sanctions, eligibility or regulatory check required by your business.

← You are here
📡
TDS Risk check
Trust Score + Mobile KYC. SIM swap, synthetic identity, isLostStolen.
£0.35–£0.45
→
Step 2
🪪
KYC / IDV check
Document verification, selfie, liveness. Expensive per submission.
£1.50–£5.00
→
Step 3
🔍
Fraud bureau check
CIFAS, National Hunter. Known fraud databases.
£0.50–£2.00
→
Step 4
🏗️
Account provisioning
Account created, systems updated, onboarding comms sent.
£2–£10
→
Step 5
❌
Fraud discovered
Money mule activity, APP fraud, regulatory action.
£500+
The maths is simple: if your combined downstream cost per fraudulent submission exceeds £0.35, and TDS Risk catches even a fraction of those submissions, the upstream check pays for itself — while protecting every system downstream.
6–12%
Typical fraud rate in digital account creation flows
£5–£15
Average KYC + fraud bureau cost per application reaching full check
£0.35
Cost of a TDS Risk Trust Score check — before KYC runs
£0.45
Cost of a Mobile KYC check — replaces or supplements document IDV
Signal depth

Carrier signals that matter for account creation

Reason codes to watch

isLostStolen

boolean, Mobile KYC
Returns the supported lost-or-stolen device flag for use within the business’s own verification rules.

riskLevel

integer -1 to 4
Provides the available SIM-change recency band for the submitted number.

nameScore

integer 0–100, Mobile KYC
Shows the available carrier-derived match strength for the submitted name.

addressScore

integer 0–100, Mobile KYC
Shows the available carrier-derived match strength for the submitted address.

trustScore

integer 0–1000
A composite mobile-risk score that can be used as one input to account-opening rules.

lineType

string
Shows whether the number is mobile, landline, VoIP or another supported classification.
LSLow-tenure SIM; SIM change within 90 days
RLHigh-risk line type or related routing signal
PNPhone number was not active
CFCall forwarding was enabled
NMNumber was not a mobile line type
D1Number appeared on a public site exposing SMS content
PTNumber had been ported
CUCarrier call was unsuccessful

Add Trust Score and Mobile KYC before account creation

Use Trust Score and Mobile KYC before full onboarding to add live mobile risk and carrier-derived identity matching to your account creation fraud controls.

Trust Score £0.35 · Mobile KYC £0.45 · Credits never expire · Does not affect credit files · ICO Reg. ZB300553