Risk Score API

Q: What is a high risk score?

A high risk score typically falls closer to 100, indicating greater risk and potential fraud. Scores are categorized into Low, Medium, and High risk levels to guide decision-making in onboarding and underwriting.

Q: Who can use Decentro’s Risk Score API?

NBFCs, fintech lenders, banks, insurance providers, e-commerce platforms, and payment companies can use the API to detect fraud and make better decisions.

Q: How is Decentro’s Risk Score API different from traditional credit scores?

Unlike static credit scores, Decentro’s API uses real-time data from 100+ signals to deliver dynamic, multi-dimensional risk insights within milliseconds.

Streamline Risk Assessment with Intelligent Scoring using Omniscore

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What is Risk Score?
Fraud Risk Score Assessment using Omniscore
Methodology
The Need For Risk Score APIs
Types of APIs
How Can Your Business Leverage Risk Score APIs
Key Features Of Risk Score API
Where You Can Use It
Risk Score APIs For Your Business - How can Decentro Help?
Frequently Asked Questions?

What is Risk Score?

Risk Score automatically evaluates and scores customers between Low, Medium and High risk for customer profiling, segmentation, underwriting and risk analysis purposes. With Decentro's Scanner module and Omniscore technology, your business can assess digital identity patterns, financial behaviour, and employment stability, enabling confident decisions with unparalleled accuracy.

This comprehensive scoring system is ideal for companies in highly regulated banking, lending, fintech, and insurance sectors that require advanced fraud prevention and risk assessment capabilities.

Fraud Risk Score Assessment using Omniscore

OmniScore, Decentro's proprietary scoring system, analyses over 100 behavioural signals in real-time, delivering unprecedented accuracy in fraud detection and user profiling. Unlike traditional credit scores that rely on static data, OmniScore provides a dynamic, 360-degree view of user trustworthiness.

OmniScore evaluates users through 3 critical intelligence layers:

Digital Identity Intelligence

Validates digital authenticity by analysing phone tenure, social profile depth across 20+ platforms, and digital-physical identity alignment to detect impersonation risks.

Financial Credibility Score

Examines credit bureau patterns, delinquency history, utilisation behaviours, and inquiry frequency to identify suspicious financial activities like credit stacking and synthetic identities.

Employment Stability Score

Verifies career credibility through tenure analysis, employer validation, and employment consistency checks to confirm claimed work history.

Scanner delivers unified risk scores between 100-1000 within 300ms, combining weighted assessments to categorise risk into actionable levels: Low, Medium and High.

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Methodology

Data Analysis

The Risk Score API analyses multiple data dimensions, including digital identity patterns, financial credibility, and employment stability, to generate comprehensive risk insights.

Intelligent Scoring

The system delivers an Omniscore between Low, Medium and High, combining weighted assessments from digital footprint, financial behaviour, and employment validity.

Risk Categorization

Based on the unified Omniscore, the API classifies customers into actionable risk levels - Low, Medium, and High - allowing businesses to make informed decisions on onboarding, underwriting, and fraud prevention.

The Need For Risk Score APIs

Automated
Risk Assessment

Save time and minimise fraud by scoring customers through multi-dimensional analysis, reducing manual review processes.

Real-Time
Fraud Detection

The APIs facilitate real-time verification of customer identity, financial patterns, and employment status for instant risk evaluation.

Enhanced
Underwriting

Ensure accurate credit decisions with comprehensive risk insights that go beyond traditional credit bureau data.

Improved
Experience

Provide faster approvals for legitimate customers while effectively blocking fraudulent applications.

API Types

Explore the Two API Variants Available

User Intelligence
Basic API

Delivers essential fraud intelligence through a core triple-layer assessment
Digital Identity Intelligence
Financial Credibility Score
Employment Validity Score

User Intelligence
Advanced API

Builds on the Basic variant with two additional risk signals
Location Intelligence
E-commerce Behaviour Analysis

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Nexus Intelligence Active

Build your risk scoring flow
in record time.

Describe your use case. Nexus tells you exactly which Decentro APIs to use — and how to connect them.

How Can Your Business Leverage Risk Score APIs

Reduce Fraud and Costs

Automate customer risk evaluation and fraud detection to save time and prevent losses.

Boost Approval Speed

Enable faster customer acquisition by eliminating manual reviews for low-risk applicants.

Ensure Compliance

Stay compliant with the latest KYC and AML regulations through automated risk assessment processes.

Enhance Decision Making

Provide your teams with comprehensive risk insights for confident underwriting and customer management.

Flexible Integration

Integrate with multiple systems and workflows through API-driven architecture for tailored risk management solutions.

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Key Features

Triple-Layer
Risk Assessment

Evaluate users through digital footprint, financial behaviour, and employment stability.

Omniscore

Receive unified risk scores between 100 and 1000 with detailed component breakdowns.

Real-Time
Processing

Receive risk assessments within 300 milliseconds for seamless workflow integration.

Multi-Dimensional
Analysis

Access granular data points across 20+ digital platforms for comprehensive profiling.

Advanced
Fraud Detection

Identify sophisticated fraud patterns invisible to single-metric systems.

Enterprise
Integration

Benefit from APIs designed for reliability, speed, and security.

Where You Can Use It

Banks &
NBFC

Streamline loan application screening and account opening verification with comprehensive risk assessment.

Fintech
Lenders

Assess thin-file borrowers and gig economy workers with alternative data beyond traditional credit scores.

Insurance
Companies

Enable seamless fraud detection for policy applications and claims processing.

E-commerce
Platforms

Prevent order fraud and validate high-value transactions with behavioural analysis.

Wealth
Mangement

Prevent cross-border money laundering operations.

Payment
Platforms

Implement real-time fraud detection for transactions and merchant risk scoring.

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Got Questions?

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Risk Score APIs For Your Business - How Can Decentro Help?

Why Use Decentro’s Risk Score APIs?

Part of Decentro’s Scanner Module

Scalable, high-performance, compliant

Real-time risk scoring & alerts

Tailorable workflows for any vertical

Proven to cut fraud by 40–70%

Low false positives

Plug-and-play API (Sandbox + Prod)

Multi-provider architecture for uninterrupted uptime

For Developers

Access our Product Guide

Simple & Automated APIs To Help You Launch 10X Faster.

API Documentation

For Businesses

24x7 Multi-Channel Priority Support

Designed to be customer-centric

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Frequently Asked Questions

How do you calculate Risk Score?

Decentro’s Risk Score is calculated using OmniScore, which analyzes over 100 real-time signals across digital identity, financial behavior, and employment data. Each layer is weighted to generate a unified score between 100 and 1000, enabling accurate risk profiling and fraud detection.

What is a high risk score?

Who can use Decentro’s Risk Score API?

How is Decentro’s Risk Score API different from traditional credit scores?

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Risk Score API

Streamline Risk Assessment with Intelligent Scoring using Omniscore

Table of Contents

What is Risk Score?

Fraud Risk Score Assessment using Omniscore