Lending

Identify borrowers you can trust in real time

Enhance the underwriting process, streamline collections, and safeguard your operations with alternative data.

Smiling man in a blue blazer signing a document while a woman watches him.

Lenders’ growing fight against fraud

Caught between customer demands for fast approvals and the need for accurate risk assessment, digital lenders must also address growing fraud rates.

Synthetic identity fraud

$3 billion
U.S. lender exposure to synthetic identities

Combining stolen and fake personal details, fraudsters create new identities designed to bypass credit checks and secure loans, leaving lenders with major losses.

Source: TransUnion

Loan stacking

10x
Fraud rate of borrowers who take out 3+ loans at once

Borrowers who take out multiple loans from different lenders simultaneously—before the first loan appears on credit reports—are strongly associated with high default rates.

Source: The Wall Street Journal

“No intent to repay” fraud

4%
Estimated rate of “no intent to repay” fraud

Losses from "no intent to repay" fraud - where borrowers secure loans with no intention of paying them back - are often written off as credit risk by lenders.

Source: TransUnion

Account takeover

$13 billion
Losses due to account takeover in 2023

Using stolen credentials, fraudsters gain unauthorized access to lenders’ accounts, apply for new loans, and, once the funds are deposited, quickly withdraw the money.

Source: AARP & Javelin

Solutions

Discover the frictionless way to assess borrower risk

Score, approve, decline or send for review new accounts, logins and transactions in real‑time with no impact on the user experience.

SESSION

Detect high-risk web sessions in real time without disrupting real users and trusted AI agents.

ONBOARDING

Enhance user verification during customer onboarding, verifying genuine sign-ups in seconds.

LOGIN

Prevent end-user accounts from being compromised with multilayered ATO protection.

Platform overview

The Ultimate Identity Intelligence Hub

Trustfull’s complete suite of APIs, models and workflows powers accurate detection of fraud and fincrime attemps during every sign-up, login and transaction event.