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One score before the account opens.

A real-time application check returns a 0-100 score, ranked reason codes and the action your decision engine can take.

Test this module

A valid document set answers whether records exist. Personhood Score tests whether those records resolve to one independent economic actor at the moment of application.

A score without reason codes is not ready for a regulated credit decision.

64

Thin

Action
Step-up verification
Reason 1
No bureau history
Reason 2
Identity signals agree
Reason 3
Unique device and address

What the module returns

The output is structured for a decision engine and readable by the person who must review it later.

  • Score and band

    The response places the application in a consistent, thin, inconsistent, contradictory or ring-linked band.

  • Ranked reason codes

    Examples include a newly issued mobile number, address reuse across recent applications and no contradictions despite a thin credit file.

  • Recommended action

    Approve, step-up verification, manual review, decline or decline and flag the linked ring.

  • Reproducible record

    The input version, model version, raw signals and decision are logged for later supervisory review.

It sits beside the bureau pull.

The integration is a separate decision input. Your policy engine keeps control of thresholds and final authority.

  1. Application submitted

    Your onboarding service sends tokenised identity, device, economic and network signals.

  2. Signals evaluated

    Six signal groups are scored against a segment-calibrated model and checked for hard overrides.

  3. Decision returned

    The API response arrives inside the application decision window with no secondary polling step.

  4. Outcome fed back

    Confirmed fraud and clean repayment outcomes improve later calibration inside the institution's environment.

The response is deliberately short.

Detailed evidence remains available for review without bloating the synchronous decision payload.

Example response
{
  "applicationId": "PRM-20481",
  "score": 64,
  "band": "Thin",
  "recommendedAction": "step_up",
  "reasonCodes": ["thin_footprint", "signals_coherent"]
}

Test Personhood Score on historical applications.

We reproduce the signals available at the original decision time, then compare the ranked result with later confirmed outcomes.

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