RiskSeal Digital Credit Scoring

RiskSeal is an alternative data company founded in 2022 by Artem Lalaiants and Vadim Ilyasov, registered as RiskSeal, Inc. in Wilmington, Delaware, with offices in Texas and Warsaw. It helps lenders assess applicants who have little or no credit bureau history by analysing their digital footprint.

Using only an email address, phone number or IP address, the API checks presence across 200+ global and regional online platforms and returns 400+ data points, such as account age, breach exposure, virtual SIM detection, VPN use and e-commerce or subscription signals, plus a proprietary digital credit score, in under five seconds. Lenders use it for credit decisioning, fraud detection, identity checks and debt collection. It covers 145+ countries, including India, Indonesia, Malaysia, the Philippines, Singapore and Vietnam.

• Email intelligence: Checks account age, domain reputation and data breach exposure.
• Phone intelligence: Validates numbers, number age and virtual SIM usage.
• IP and network checks: Detects geolocation mismatches, VPN, proxy and TOR use.
• Platform presence: Scans 200+ social, e-commerce and subscription platforms.
• Digital credit score: Returns a proprietary score with 400+ raw attributes.
• Real-time API: Delivers results in under five seconds or via batch enrichment.

A Vietnamese consumer finance company can add digital footprint scores for first-time borrowers without CIC history. A BNPL provider can screen sign-ups for virtual SIMs and disposable emails before granting limits. A collection team can verify whether a borrower's phone and email are still active.

RiskSeal reports up to 2 times higher approvals in thin-file segments, 98% coverage of underserved applicants and up to 25% fewer defaults. Combining its digital signals with bureau data raised model AUC from about 0.67 to 0.73 in the company's figures. Lenders can start with a free proof of concept and pay per transaction, with no extra integration or training fees.

A large share of adults in Southeast Asia still have thin or no credit files, while smartphone and e-commerce use is high. Lenders and BNPL providers increasingly use consented digital footprint data to approve more applicants and detect synthetic identities, complementing bureau scores.

Founded in 2022; registered as RiskSeal, Inc. in Wilmington, Delaware, with offices in McKinney, Texas and Warsaw, Poland. ISO/IEC 27001:2022 certified and states GDPR compliance. Clients shown include Clicredito MX, OnCredit, AvaFin, Neu Money, Credito365 and MoneyMan, with 2026 case studies from a Philippine BNPL provider and an Indonesian neobank.