TDS Risk
Products
Trust Score — £0.35/check Mobile KYC — £0.45/check
Use cases
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Payments · Fintech · Digital finance

Detect fintech account fraud before onboarding, access or payment

Add live carrier-derived evidence to fintech fraud prevention before full KYC, account opening, access, recovery or payment changes. Trust Score assesses mobile-number risk, while Mobile KYC compares submitted identity details with available carrier information.

✓Screen mobile-number risk before full KYC and onboarding
✓Identify recent SIM activity, inactive numbers and line type
✓Compare submitted identity details using Mobile KYC
✓Add reason codes and match scores to existing risk engines
✓Keep a signed, auditable record of every check
<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

Fintech fraud signals across the account lifecycle

🤖

Fintech account-opening fraud

Application details may be genuine, stolen or altered. Carrier-derived signals add context about the mobile number and available identity information.
📞

SIM swap and account takeover

Recent SIM activity can be relevant where a mobile number is used for OTPs, login, recovery or changes to payment details.
💸

Money-mule onboarding

Mobile signals can contribute another evidence layer when a business assesses new accounts, but they should be combined with transaction, identity and financial-crime controls.
📊

Downstream verification costs

If mobile risk is assessed only after document checks, fraud databases or manual review, the business may already have incurred avoidable processing costs.
"

Mobile intelligence is one layer in a strong fintech control framework. It provides evidence; your policies and systems make the decision.

TDS Risk principle
⬆ Upstream check

TDS Risk can run before onboarding costs begin and again at sensitive account events. Trust Score assesses mobile-number risk, while Mobile KYC can compare submitted identity details with available carrier information.

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

Before KYC, account access and payment risk.

TDS Risk complements existing KYC, AML, transaction monitoring, device intelligence and fraud systems. It does not replace them.

← You are here
📡
TDS Risk check
Trust Score at form submit. VOIP, deactivated, shared fraud number detection.
£0.35
→
Step 2
✅
Lead enters CRM
Validated lead. Real, active, personal mobile number confirmed.
£0.50–£1.50
→
Step 3
📞
Sales call / outreach
Team time, dialler cost, sequence cost.
£2–£8
→
Step 4
🔄
Nurture sequence
Email, SMS, retargeting. Cost per contact.
£1–£5
→
Step 5
❌
Bad lead discovered
Team time wasted. CRM polluted. Conversion metrics corrupted.
£5–£20
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.
12–20%
Typical invalid/fraudulent mobile rate in online lead captures
£5–£20
Average cost of a bad lead reaching your sales team (time + tooling)
~85%
Bad number catch rate with carrier lineType and trustScore signals
£0.35
Cost of a TDS Risk check — before the lead enters your CRM
Signal depth

Carrier signals that matter for payments and fintech

Reason codes to watch

trustScore

integer 0–1000
A composite carrier-derived score for use within onboarding, access and payment-risk rules.

riskLevel

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

simTimestamp

string
Returns the available timestamp for the most recent SIM change.

callDivert

boolean
Shows whether call forwarding is active so the business can assess it alongside other signals.

nameScore

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

isLostStolen

boolean, Mobile KYC
Returns the supported lost-or-stolen device flag for use within the business’s own controls.
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
INNumber country differed from the requested country
PTNumber had been ported

Add Trust Score and Mobile KYC to fintech fraud prevention

Use Trust Score and Mobile KYC before onboarding and at sensitive account, recovery and payment events while keeping every decision inside your own fintech fraud controls.

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