Investor onboarding
Identity credentials pass while the declared mobile may be revoked, newly activated or controlled elsewhere.
Put mobile-number risk into investor onboarding.
Resolve investor identity, mobile validity and linked application infrastructure in the workflow affected by the SEBI and DoT intelligence-sharing MoU.
The mobile number is now an operational risk input.
The SEBI and DoT MoU signed on 15 April 2026 creates a route for regulated entities to use FFRI and revocation-list intelligence.
Account linkage
Devices, bank beneficiaries and contact details can connect multiple investor applications.
Control change
A later SIM swap or contact update can change who effectively controls the account.
Money movement
By the time transaction behaviour is abnormal, account-opening evidence may be difficult to reconstruct.
15 April 2026
SEBI and DoT intelligence-sharing MoU signed
SEBI and Department of Telecommunications, April 2026
A new data feed is useful only when the resulting investor action can be explained.
Use the intelligence in a reasoned decision.
A revocation-list match is significant, but policy still needs context, evidence lineage and a documented action.
Personhood Score
Account opening
Combine mobile validity with identity coherence and economic evidence at account opening.
Cluster Intelligence
Connected risk
Map repeated devices, beneficiaries and contact attributes across investor records.
Sleeper Watch
Ongoing control
Re-score after mobile-control changes or material account events.
Rebuild the evidence available at onboarding.
Historical applications are scored using the mobile, identity and account-linkage evidence available at the original decision time. Later confirmed outcomes remain labels, not features leaked into the backtest.
15 April 2026 changes the data path.
The SEBI and DoT MoU covers sharing the Financial Fraud Risk Indicator and Mobile Number Revocation List with SEBI-regulated entities. Each member remains responsible for lawful use and its own decision policy.
Run the Brokers and AMCs backtest.
The first output is a ranked historical file and a precision curve at your available review capacity. No production integration is required.
Book a backtest