Fraud Prevention & Identity Verification API
Signalpath gives regulated platforms real-time carrier network signals — SIM swap history, silent number verification, device location coherence — through a single developer-friendly API that replaces SMS OTP with stronger fraud prevention at lower cost.
Services
Confirms that the phone number on file matches the active SIM on the device without sending a single SMS, eliminating the OTP intercept surface entirely. When the silent check can't complete, automatic fallback to OTP keeps the user flow intact and your conversion rate protected. Single REST API endpoint with SDKs for Node, Python, and Go — no per-carrier contracts required.
Queries carrier-level SIM change history the moment a high-value transaction is initiated and delivers a webhook alert with a recency-weighted risk score before the transaction clears. The score is weighted by hours since the swap occurred and the transaction value, giving risk teams a defensible, explainable signal rather than a black-box flag.
Surfaces anonymized, aggregated SIM swap clusters and account takeover patterns detected across the Signalpath customer base, updated in real time. When one platform absorbs a fraud wave, every connected platform receives the signal before the same actors rotate targets. Threat data arrives as structured JSON events your fraud stack can ingest directly.
Compares the device location declared at transaction time against the cell tower position inferred from carrier network data, flagging contradictions as a real-time fraud indicator. A login reported from London on a device whose network signal places it in Eastern Europe is a specific, actionable risk event — not a suspicion score. Plugs into existing transaction scoring pipelines as an enrichment signal.
Delivers a binary (18+/under-18) or banded (18–25, 26–35, 36+) age signal derived from carrier KYC records, with no raw identity data transmitted at any point in the flow. The signal is explainable, auditable, and derived from the same KYC process carriers use to issue the SIM — no document upload or storage infrastructure required.
Every verification event — silent number check, SIM swap query, age signal, location coherence check — is logged with a tamper-evident timestamp, signal source, decision rationale, and exportable record formatted for PSD2 SCA and FCA audit requirements. Pull a complete verification history for any user, transaction, or date range in seconds. Built for the moment your auditor asks why you approved that transaction.
Why Signalpath
Signalpath's multi-carrier signal aggregation is built above raw GSMA Open Gateway APIs. Developers get a single clean integration instead of fragmented per-carrier contracts and telco documentation — coverage without the negotiation overhead.
Every risk signal includes human-readable context and an audit-ready log entry. Compliance teams get a specific mechanism — SIM swap recency, location mismatch distance, carrier coverage tier — not an opaque confidence score they can't explain to an auditor.
Signalpath is built for mid-market teams. Transparent usage-based pricing and a freemium-to-paid funnel mean procurement closes in weeks, not quarters — while you're still ahead of the next fraud event, not recovering from it.
