Clean KYC, malicious intent
The documents are valid. The person is a mule, a synthetic identity, or one node in a ring spread across hundreds of applications.
KYC verifies identity. ScreenX verifies intent
ScreenX builds a real-time 360 degree digital persona of every applicant and returns one decision: who is safe, who needs a second look, who is to be declined. One API call. A verdict before the application reaches your underwriting queue.
Our gate verifies the document. It doesn't authenticate the person behind it
Bureau, KYC and rule engines assume the applicant is who the paperwork says. The cases that cost you most are the ones that pass that check.
Bureau-thin applicants
No credit history means no decision. Good borrowers get declined; risky ones get approved on a guess.
No early read on default
First-payment defaults surface only after the money is out the door.
Structured data only
Device, location, digital footprint and image signals never reach the decision. The strongest fraud and affluence signals go unused.
The strongest signals sit outside the paperwork. ScreenX reads every one of them.
Device, behaviour, network and footprint, on every applicantA verified decision before the applicant finishes signing up
One API call resolves every applicant across device, behaviour, network and digital-footprint signals, scores them against your own book, and returns an explainable verdict in milliseconds.
Signals beyond the bureau
Device, behaviour, network and digital-footprint signals resolved into one applicant profile — the inputs a credit file never captures.
Calibrated to your book, not the market
Learns from your defaults, fraud cases, and performing borrowers, not a generic benchmark.
One persona, every decision
Fraud risk, default probability, and affluence from a single profile in one call.
Six modules. One persona. One score that stands up.
Most tools hand you six separate signals and leave the joining to you. ScreenX resolves them into a single applicant persona on Sign3's unified customer graph — the same embedding engine that maps relationships traditional systems miss.
Phone, email, device, location, image and SMS signals are fused into one graph, embedded, and scored by purpose-built micro-models. From the same persona, ScreenX produces an affluence read, an identity-fraud score, a fraud-ring score and a default-probability score — over 3,000 attributes resolved into a handful of decisions a risk committee can sign off on.
Device Intelligence
Behavioural Biometrics
Location Intelligence
Digital Footprint
Image Intelligence
SMS Parser
Everything ScreenX returns on every applicant
One API call at onboarding, and the full context behind it — structured for your systems to act on in real time.
Live risk score
A risk score per applicant, computed at the point of application — rising and falling as new signals resolve.
Threat flags
Synthetic identity, device fraud, location spoofing and document tampering — each surfaced before the first approval.
Authentication action
Frictionless, step-up or block — mapped to the score on your thresholds, so genuine customers feel nothing.
Network linkage
The accounts, devices and numbers connected to a flagged applicant, ready for investigation.
The signal trail
Every session and signal behind a flag, logged and attached, so any action is reproducible later.
Measured at the gate. Proven in production.
Real outcomes from live deployments across banking, lending and credit cards.
73%of money mules flagged at onboarding
3× better than legacy systems (banking client).
78%of fraudsters in the riskiest 5%
Concentrated among the riskiest applicants (personal loan provider).
65%of NPAs in the riskiest 10%
Identified within the riskiest decile of users (credit cards client).
<200msp95 decisioning latency
Inclusive of network round-trip.
3,000+attributes per applicant
Resolved into a handful of explainable scores.
128%uplift in loan disbursals
With no rise in defaults or delinquency (lending client).
Three decisions from one call
ScreenX is a decision layer, not a single-purpose tool. The same persona answers three different questions at the gate.
Fraud detection
Identify mules, synthetic identities and fraud rings before the first transaction — the cases that clear KYC but fail on device, network and behaviour.
Credit risk
Assess default probability for bureau-thin and new-to-credit applicants, using alternate signals where bureau data is missing or stale.
Underwriting
Price and approve with confidence. Affluence and income signals approve the good borrowers your competitors decline, and flag the risky ones they approve.
Our gate verifies the document. It doesn't authenticate the person behind it
Bureau, KYC and rule engines assume the applicant is who the paperwork says. The cases that cost you most are the ones that pass that check.
Clean KYC, malicious intent
The documents are valid. The person is a mule, a synthetic identity, or one node in a ring spread across hundreds of applications.
Bureau-thin applicants
No credit history means no decision. Good borrowers get declined; risky ones get approved on a guess.
No early read on default
First-payment defaults surface only after the money is out the door.
Structured data only
Device, location, digital footprint and image signals never reach the decision. The strongest fraud and affluence signals go unused.
The strongest signals sit outside the paperwork. ScreenX reads every one of them.
Device, behaviour, network and footprint, on every applicantA verified decision before the applicant finishes signing up
One API call resolves every applicant across device, behaviour, network and digital-footprint signals, scores them against your own book, and returns an explainable verdict in milliseconds.
Book a demoSignals beyond the bureau
Device, behaviour, network and digital-footprint signals resolved into one applicant profile — the inputs a credit file never captures.
Calibrated to your book, not the market
Learns from your defaults, fraud cases, and performing borrowers, not a generic benchmark.
One persona, every decision
Fraud risk, default probability, and affluence from a single profile in one call.
Six modules. One persona. One score that stands up.
Most tools hand you six separate signals and leave the joining to you. ScreenX resolves them into a single applicant persona on Sign3's unified customer graph — the same embedding engine that maps relationships traditional systems miss.
Phone, email, device, location, image and SMS signals are fused into one graph, embedded, and scored by purpose-built micro-models. From the same persona, ScreenX produces an affluence read, an identity-fraud score, a fraud-ring score and a default-probability score — over 3,000 attributes resolved into a handful of decisions a risk committee can sign off on.
Device Intelligence
Behavioural Biometrics
Location Intelligence
Digital Footprint
Image Intelligence
SMS Parser
Everything ScreenX returns on every applicant
One API call at onboarding, and the full context behind it — structured for your systems to act on in real time.
Live risk score
A risk score per applicant, computed at the point of application — rising and falling as new signals resolve.
Threat flags
Synthetic identity, device fraud, location spoofing and document tampering — each surfaced before the first approval.
Authentication action
Frictionless, step-up or block — mapped to the score on your thresholds, so genuine customers feel nothing.
Network linkage
The accounts, devices and numbers connected to a flagged applicant, ready for investigation.
The signal trail
Every session and signal behind a flag, logged and attached, so any action is reproducible later.
Measured at the gate. Proven in production.
Real outcomes from live deployments across banking, lending and credit cards.
73%of money mules flagged at onboarding
3× better than legacy systems (banking client).
78%of fraudsters in the riskiest 5%
Concentrated among the riskiest applicants (personal loan provider).
65%of NPAs in the riskiest 10%
Identified within the riskiest decile of users (credit cards client).
<200msp95 decisioning latency
Inclusive of network round-trip.
3,000+attributes per applicant
Resolved into a handful of explainable scores.
128%uplift in loan disbursals
With no rise in defaults or delinquency (lending client).
Three decisions from one call
ScreenX is a decision layer, not a single-purpose tool. The same persona answers three different questions at the gate.
Fraud detection
Identify mules, synthetic identities and fraud rings before the first transaction — the cases that clear KYC but fail on device, network and behaviour.
Credit risk
Assess default probability for bureau-thin and new-to-credit applicants, using alternate signals where bureau data is missing or stale.
Underwriting
Price and approve with confidence. Affluence and income signals approve the good borrowers your competitors decline, and flag the risky ones they approve.