The applicant's digital history, made readable for decisioning.

A real-time API that takes a phone number and email address and returns a structured intelligence profile of the applicant's digital existence. No SDK required. No additional data collected from the applicant.

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Trusted by 20+ banks, NBFCs & fintechs across India

JupiterNiyoPunjab & Sind BankJana Small Finance BankCSB BankLenDenClubmoneyview
SnapmintIndiaMARTBajaj FinanceKisshtOneCardSmartCoinOTO

Why it exists

Identity signals aggregated across social, commerce, banking and telecom

A genuine person accumulates years of digital presence across the ecosystem: social, commerce, governance, financial, telecom. A synthetic or recently fabricated identity does not. Digital Footprint reads the depth and consistency of that presence and converts it into structured intelligence that traditional verification mechanisms cannot produce.

What It Does

A phone number and an email address in. Five clusters of intelligence out.

Incoming call on a phone with identity signals radiating out
  • Number vintage5 yrs
  • Operator · circleAirtel · DL
  • Porting historyNone
  • Circle matchConsistent

Telco Intelligence

The phone number alone carries more identity context than most institutions realise. Digital Footprint extracts 14+ telco-specific attributes and reads them against the rest of the applicant's profile. A recently activated number in a mismatched telecom circle tells a very different story from a five-year number with consistent registration.

  • Phone number vintage and activation recency
  • Operator, telecom circle, and SIM type
  • Porting history and number lifecycle
  • Circle-to-application consistency
Inbox flagging an invalid email address
  • MailboxDeliverable
  • DomainValid
  • DisposableNo
  • Mailbox age7 yrs

Email Intelligence

In Indian digital onboarding, a surprising number of applications go through with fabricated or non-existent email addresses, simply because no validation layer exists in the flow. Digital Footprint catches this at the point of application, before the process moves forward.

  • Mailbox existence and deliverability check
  • Domain validation
  • Disposable and temporary email detection
  • Invalid entries flagged before the applicant proceeds
Phone showing a folder of social apps
  • Platforms present42
  • Messaging appsPresent
  • Commerce appsPresent
  • Name consistency94%

Social and Digital Presence

The breadth of someone's digital existence is one of the most reliable indicators of whether their identity is genuine. Digital Footprint evaluates presence across 100+ platforms and scores the pattern. A genuine applicant shows up across the ecosystem. A fabricated one does not.

  • Messaging and communication platforms
  • Social networking platforms
  • E-commerce and quick-commerce applications
  • Government digital identity and utility services
  • Travel and transportation platforms
  • Name consistency verified across platforms linked to the phone and email
Credit card held in front of an online banking dashboard
  • UPI & payments3 apps
  • Demat & investment2 apps
  • Premium fintechPresent
  • Lending platforms6

Affluence and Financial Presence

Not all digital presence is equal. The financial platforms an applicant is registered on carry economic signals that no document or bureau score provides. This cluster reads the financial and lifestyle tier of the applicant's digital footprint, and it works in both directions: as an affluence indicator and as a risk signal.

  • Credit card and banking application presence
  • UPI and payments application presence
  • Demat and investment platform presence
  • Premium fintech and lifestyle application presence
  • Lending and BNPL platform density as a credit-stress signal (presence on 5+ lending platforms is a statistically significant risk indicator, IV 0.230)
Profile overview with demographic summary on a laptop
  • NameVerified
  • Age31
  • GenderMale
  • CityPune

Demographic Intelligence

This is the most tangible output Digital Footprint returns. From just a phone number and email, Sign3 derives factual identity attributes without collecting anything additional from the applicant. These are immediately usable for enrichment, verification, or decisioning.

  • Name associated with the phone number and email
  • Age
  • Gender
  • City and geography
  • Returned as structured fields, ready for direct consumption

What Comes Out

300+ attributes per applicant. Single API call. Three consumption tiers.

Where It Applies

Three deployments, each reading the digital footprint for a different decision.

  • Fraud prevention

    Fraud prevention

    Synthetic identity detection, mule identification, multi-accounting

  • Credit underwriting

    Credit underwriting

    Thin-file and NTC scoring, credit hunger assessment, portfolio enrichment

  • Onboarding

    Onboarding

    Identity verification, email validation, applicant risk classification

Integration

A single REST call sits alongside your existing stack. No SDK, no app-side changes, no data migration, no replacement of systems already in production.

  • Delivery

    REST API. No SDK. No app-side changes.

  • Input

    Phone number and email address.

  • Response time

    Real-time.

  • Timeline

    Live in 1–2 weeks.

  • Compliance

    DPDP Act compliant. GDPR compliant.

Trusted by 20+ banks, NBFCs & fintechs across India

JupiterNiyoPunjab & Sind BankJana Small Finance BankCSB BankLenDenClubmoneyview
SnapmintIndiaMARTBajaj FinanceKisshtOneCardSmartCoinOTO

Why it exists

A genuine person accumulates years of digital presence across the ecosystem: social, commerce, governance, financial, telecom. A synthetic or recently fabricated identity does not. Digital Footprint reads the depth and consistency of that presence and converts it into structured intelligence that traditional verification mechanisms cannot produce.

Identity signals aggregated across social, commerce, banking and telecom

What It Does

A phone number and an email address in. Five clusters of intelligence out.

Telco Intelligence

The phone number alone carries more identity context than most institutions realise. Digital Footprint extracts 14+ telco-specific attributes and reads them against the rest of the applicant's profile. A recently activated number in a mismatched telecom circle tells a very different story from a five-year number with consistent registration.

  • Phone number vintage and activation recency
  • Operator, telecom circle, and SIM type
  • Porting history and number lifecycle
  • Circle-to-application consistency

Email Intelligence

In Indian digital onboarding, a surprising number of applications go through with fabricated or non-existent email addresses, simply because no validation layer exists in the flow. Digital Footprint catches this at the point of application, before the process moves forward.

  • Mailbox existence and deliverability check
  • Domain validation
  • Disposable and temporary email detection
  • Invalid entries flagged before the applicant proceeds

Social and Digital Presence

The breadth of someone's digital existence is one of the most reliable indicators of whether their identity is genuine. Digital Footprint evaluates presence across 100+ platforms and scores the pattern. A genuine applicant shows up across the ecosystem. A fabricated one does not.

  • Messaging and communication platforms
  • Social networking platforms
  • E-commerce and quick-commerce applications
  • Government digital identity and utility services
  • Travel and transportation platforms
  • Name consistency verified across platforms linked to the phone and email

Affluence and Financial Presence

Not all digital presence is equal. The financial platforms an applicant is registered on carry economic signals that no document or bureau score provides. This cluster reads the financial and lifestyle tier of the applicant's digital footprint, and it works in both directions: as an affluence indicator and as a risk signal.

  • Credit card and banking application presence
  • UPI and payments application presence
  • Demat and investment platform presence
  • Premium fintech and lifestyle application presence
  • Lending and BNPL platform density as a credit-stress signal (presence on 5+ lending platforms is a statistically significant risk indicator, IV 0.230)

Demographic Intelligence

This is the most tangible output Digital Footprint returns. From just a phone number and email, Sign3 derives factual identity attributes without collecting anything additional from the applicant. These are immediately usable for enrichment, verification, or decisioning.

  • Name associated with the phone number and email
  • Age
  • Gender
  • City and geography
  • Returned as structured fields, ready for direct consumption

What Comes Out

300+ attributes per applicant. Single API call. Three consumption tiers.

A device emitting individual digital-footprint signals as structured data

Raw Signals

The full attribute set, available as structured data via API. Institutions with internal data science teams consume these directly into their own scorecards, models, or rule engines. Sign3's enrichment becomes a feature layer underneath the institution's own intelligence, not a replacement for it.

  • Platform presence map across 100+ platforms
  • Email validation status
  • Telecom attributes and porting history
  • Name consistency assessment
  • Affluence classification data
A scorecard reading the digital-footprint signals into a risk score

Pre-Built Scores

Ready-to-use scores for institutions that need a decision without building their own model. Each score is accompanied by the contributing factors, so the verdict is transparent.

  • Identity verification score
  • Social depth score
  • Credit hunger indicator
  • Affluence classification
  • Digital maturity assessment
digital-footprint signals feeding a configurable risk model

Custom Risk Models

Scoring models calibrated to the institution's own portfolio. Sign3 trains on the client's historical outcomes, and returns a model tuned to the patterns specific to that book. Two institutions receive different models, because their risk profiles differ. The enrichment is universal. The scoring is yours.

  • Primary messaging platform absence: IV 0.319
  • Name unverifiable: IV 0.280
  • Lending platform count (5+): IV 0.230

Where It Applies

Three deployments, each reading the digital footprint for a different decision.

Fraud prevention

Fraud prevention

Synthetic identity detection, mule identification, multi-accounting

Credit underwriting

Credit underwriting

Thin-file and NTC scoring, credit hunger assessment, portfolio enrichment

Onboarding

Onboarding

Identity verification, email validation, applicant risk classification

Integration

A single REST call sits alongside your existing stack. No SDK, no app-side changes, no data migration, no replacement of systems already in production.

SDK connecting a mobile app and a code editor

Delivery

REST API. No SDK. No app-side changes.

Input

Phone number and email address.

Response time

Real-time.

Timeline

Live in 1–2 weeks.

Compliance

DPDP Act compliant. GDPR compliant.

Run your last week of traffic through Sign3.

We'll score it, surface the fraud patterns your current stack missed, and walk you through what we found. Your data, our scoring. No commitment, no integration, no decision required until you've seen the result.

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