FraudShield Lite API
Overview
FraudShield Lite is designed to be used at the top of the onboarding funnel, the point at which a user first enters your journey. It helps financial institutions screen out potential fraud accounts early, before they enter the liability base, without adding friction for genuine customers.
Solution
With just five basic inputs collected at onboarding: phone number, name, email ID, pincode and IP address, Signzy's FraudShield Lite runs multiple checks in parallel on the applicant: digital identity analysis, email and phone validations, pincode risk, IP reputation, WhatsApp presence, telecom fraud-risk lists (MNRL and FRI), etc. The enriched profile built from these checks gives you a consolidated trust score and risk category for every applicant.
Speed
The API is purpose-built for real-time onboarding flows and p99 response in under 3 seconds, so you can run all of these checks inline without slowing down user onboarding or hurting conversion.
Outcome
Every applicant gets a single trust score with supporting signal-level detail, letting you approve genuine users instantly, route moderate-risk cases for review, and stop likely fraud accounts at the door all within the first step of your funnel.
API Description
API cURL
curl --location 'https://api.signzy.app/api/v3/fraudshield-lite-score' \
--header 'Content-Type: application/json' \
--header 'Authorization: (Auth Token) ' \
--data-raw '{
"phoneNumber": "",
"email": "",
"name": "",
"pincode": "",
"ipaddress":"",
"apiVersion": "v4"
}'Input Table
Parameters | Required | Type |
|---|---|---|
phoneNumber | Yes | String |
No | String | |
name | Yes | String |
pincode | No | Integer |
ipAddress | No | String |
apiVersion | No | value to be "v4" |
API Output
{
"result": {
"trustScore": {
"score": "396",
"riskCategory": "Moderate Risk"
},
"digitalIdentityDetails": {
"impact": "Positive",
"digitalIdentityScore": "0.49",
"samePhoneNameCount": "6",
"diffPhoneNameCount": "0",
"totalPhoneNameCount": "6",
"sameEmailNameCount": "",
"diffEmailNameCount": "",
"totalEmailNameCount": "",
"morePhonesMappedWithEmail": "0",
"moreEmailsMappedWithPhone": "2",
"digitalFootprint": "Medium",
"fintechCount": "0",
"ageBand": "",
"gender": "Male",
"firstNameMatch": "true",
"lastNameMatch": "false",
"phoneFirstSeenYear": "2018",
"emailFirstSeenYear": "",
"phoneEmailMatch": "",
"phoneEmailFirstSeenYear": "",
"phoneEmailLastSeenYear": "",
"phoneNameFirstSeenYear": "2018",
"phoneNameLastSeenYear": "2025",
"emailNameFirstSeenYear": "",
"emailNameLastSeenYear": "",
"ecomFootprint": "",
"socialFootprint": "true",
"travelFootprint": "",
"qcomFootprint": "true",
"fcomFootprint": ""
},
"financeDetails": {
"impact": "NA",
"hasCreditCard": "",
"businessOwner": ""
},
"phoneDetails": {
"impact": "NA",
"phoneDeactivatedDays": "",
"phoneDeactivationCount": "0",
"phoneTenure": {
"min": "48",
"max": ""
}
},
"emailDetails": {
"impact": "Negative",
"status": "invalid",
"freeEmail": "false",
"subStatus": "mailbox_not_found",
"domain": "signzy.com",
"domainAgeDays": "4065",
"smtpProvider": "g-suite"
},
"pincode": {
"impact": "Positive",
"blacklisted": "",
"phonePincodeMatchCount": "",
"phoneUniquePincodesCount": "3",
"emailPincodeMatchCount": "",
"emailUniquePincodesCount": "0"
},
"ipBlacklist": {
"impact": "NA",
"isHijacked": "",
"isSpider": "",
"isTor": "",
"isDshield": "",
"isVpn": "",
"isSpyware": "",
"isSpamBot": "",
"isBot": "",
"isListed": "",
"isProxy": "",
"isMalware": "",
"isExploitBot": "",
"blocklists": [],
"listCount": "",
"sensors": [],
"city": "",
"regionCode": "",
"region": "",
"country": "",
"latitude": "",
"longitude": ""
},
"phoneWhatsappCheck": {
"impact": "Positive",
"whatsappStatus": "Account Found",
"isBusiness": "false"
},
"mnrlCheck": {
"impact": "NA",
"tsp": "",
"disconnectionReason": "",
"dateOfDisconnection": "",
"incorporationDate": "",
"mobileNo": "",
"lsa": "",
"dateOfReactivation": "",
"reactivationReason": "",
"deactivatedDays": ""
},
"friCheck": {
"impact": "NA",
"mobileNo": "",
"status": "",
"reason": "",
"dateFlagged": "",
"lsa": "",
"tspName": "",
"sensitivityIndex": ""
},
"apiStatuses": {
"digitalIdentityScore": "SUCCESS",
"getEmailValidation": "SUCCESS",
"digitalIntegrity": "NOT_APPLICABLE",
"mnrlCheck": "SUCCESS",
"phoneWhatsappCheck": "SUCCESS"
}
}
}Output Table
Category | Subcategory | Description | Type |
|---|---|---|---|
trustScore | Score | A numeric representation of the trust score. | String |
| Risk Category | Risk classification (e.g., Moderate Risk). | String |
digitalIdentityDetails | Impact | Overall impact of digital identity checks. | String |
| Digital Identity Score | Score representing the user's digital identity strength. | String |
| Same Phone Name Count | Number of instances where the same phone number is associated with the user's name. | String |
| Different Phone Name Count | Number of instances where a different phone number is associated with the user's name. | String |
| Total Phone Name Count | Total number of instances of phone-to-name association. | String |
| Same Email Name Count | Number of instances where the same email address is associated with the user's name. | String |
| Different Email Name Count | Number of instances where a different email address is associated with the user's name. | String |
| Total Email Name Count | Total number of instances of email-to-name association. | String |
| More Phones Mapped With Email | Number of additional phones mapped to the email address. | String |
| More Emails Mapped With Phone | Number of additional emails mapped to the phone number. | String |
| Digital Footprint | Overall footprint of the user's digital presence (e.g., Medium). | String |
| Fintech Count | The number of fintech accounts linked to the user. | String |
| Age Band | The age range of the user based on digital records. | String |
| Gender | The user's gender based on digital records. | String |
| First Name Match | Whether the user's first name matches across digital records. | String |
| Last Name Match | Whether the user's last name matches across digital records. | String |
| Phone First Seen Year | Year the phone number was first observed in digital records. | String |
| Email First Seen Year | Year the email address was first observed in digital records. | String |
| Phone Email Match | Whether the phone number and email address match across digital records. | String |
| Phone Email First Seen Year | Year the phone number and email address were first seen together. | String |
| Phone Email Last Seen Year | Year the phone number and email address were last seen together. | String |
| Phone Name First Seen Year | Year the phone number and user's name were first seen together. | String |
| Phone Name Last Seen Year | Year the phone number and user's name were last seen together. | String |
| Email Name First Seen Year | Year the email address and user's name were first seen together. | String |
| Email Name Last Seen Year | Year the email address and user's name were last seen together. | String |
| Ecom Footprint | Whether the user has a presence on e-commerce platforms. | String |
| Social Footprint | Whether the user has a presence on social media platforms. | String |
| Travel Footprint | Whether the user has a presence on travel platforms. | String |
| Qcom Footprint | Whether the user has a presence on quick-commerce platforms. | String |
| Fcom Footprint | Whether the user has a presence on food-delivery platforms. | String |
financeDetails | Impact | Overall impact of finance checks. | String |
| Has Credit Card | Whether the user holds a credit card. | String |
| Business Owner | Whether the user is a business owner. | String |
phoneDetails | Impact | Overall impact of phone checks. | String |
| Phone Deactivated Days | Number of days the phone was deactivated. | String |
| Phone Deactivation Count | Number of times the phone has been deactivated. | String |
| Phone Tenure | Tenure of the phone number in months, returned as a minimum and maximum range (min, max). | Object |
emailDetails | Impact | Overall impact of email checks. | String |
| Status | Status of the email address (e.g., valid, invalid). | String |
| Free Email | Whether the email address is from a free provider (e.g., Gmail, Yahoo). | String |
| Sub Status | Sub-status of the email address (e.g., mailbox_not_found). | String |
| Domain | Domain of the email address (e.g., signzy.com). | String |
| Domain Age Days | Number of days since the domain was created. | String |
| SMTP Provider | The email service provider hosting the mailbox (e.g., g-suite). | String |
pincode | Impact | Overall impact of pincode checks. | String |
| Blacklisted | Whether the pincode is blacklisted. | String |
| Phone Pincode Match Count | Number of instances where the phone pincode matches. | String |
| Phone Unique Pincodes Count | Number of unique pincodes associated with the phone number. | String |
| Email Pincode Match Count | Number of instances where the email pincode matches. | String |
| Email Unique Pincodes Count | Number of unique pincodes associated with the email address. | String |
ipBlacklist | impact | The effect of IP blacklist details on the Trust Score. | String |
| isHijacked | Indicates whether the IP address is hijacked. | String |
| isSpider | Indicates whether the IP is associated with a web crawler or spider. | String |
| isTor | Indicates whether the IP address is linked to the Tor network. | String |
| isDshield | Indicates whether the IP is listed in the DShield database of known malicious IPs. | String |
| isVpn | Indicates whether the IP address is linked to a VPN (Virtual Private Network). | String |
| isSpyware | Indicates whether the IP is associated with spyware activities. | String |
| isSpamBot | Indicates whether the IP is linked to a spam bot. | String |
| isBot | Indicates whether the IP is linked to bot activity. | String |
| isListed | Indicates whether the IP is listed in any known blacklist or threat intelligence sources. | String |
| isProxy | Indicates whether the IP is linked to a proxy server. | String |
| isMalware | Indicates whether the IP is associated with malware activities. | String |
| isExploitBot | Indicates whether the IP is linked to exploit bot activities. | String |
| blocklists | A list of blacklists where the IP address is flagged. | Array |
| listCount | The number of lists the IP address is flagged on. | String |
| sensors | The detection sensors used to identify the IP address as malicious. | Array |
| city | The city associated with the geographical location of the IP address. | String |
| regionCode | The region code associated with the geographical location of the IP address. | String |
| region | The region associated with the geographical location of the IP address. | String |
| country | The country associated with the geographical location of the IP address. | String |
| latitude | The latitude associated with the geographical location of the IP address. | String |
| longitude | The longitude associated with the geographical location of the IP address. | String |
phoneWhatsappCheck | Impact | Overall impact of the WhatsApp check. | String |
| Whatsapp Status | Whether a WhatsApp account exists for the phone number (e.g., Account Found). | String |
| Is Business | Whether the WhatsApp account is a business account. | String |
mnrlCheck | Impact | Overall impact of the MNRL (Mobile Number Revocation List) check. | String |
| TSP | Telecom service provider of the revoked mobile number. | String |
| Disconnection Reason | Reason the mobile number was disconnected. | String |
| Date Of Disconnection | Date the mobile number was disconnected. | String |
| Incorporation Date | Date the mobile number record was incorporated into the MNRL. | String |
| Mobile No | The mobile number found in the MNRL. | String |
| LSA | Licensed Service Area (telecom circle) of the mobile number. | String |
| Date Of Reactivation | Date the mobile number was reactivated, if applicable. | String |
| Reactivation Reason | Reason the mobile number was reactivated. | String |
| Deactivated Days | Number of days the mobile number remained deactivated. | String |
friCheck | Impact | Overall impact of the FRI (Financial Fraud Risk Indicator) check. | String |
| Mobile No | The mobile number checked against the FRI database. | String |
| Status | Risk status of the mobile number as per the FRI database. | String |
| Reason | Reason the mobile number was flagged. | String |
| Date Flagged | Date the mobile number was flagged. | String |
| LSA | Licensed Service Area (telecom circle) of the mobile number. | String |
| TSP Name | Telecom service provider of the flagged mobile number. | String |
| Sensitivity Index | Risk sensitivity level assigned to the mobile number (e.g., Medium, High, Very High). | String |
apiStatuses | — | Status of each API used. Each entry in apiStatuses can be "SUCCESS" (if successful), "FAILURE" (if failed) or "NOT_APPLICABLE" (if not used). | Object |
Risk category according to risk score
Score Range | Risk Category | Description |
|---|---|---|
Greater than 750 | Very Low Risk | Entities that pose minimal or no risk based on the evaluation criteria. |
501 - 750 | Low Risk | Entities with some risk, but generally acceptable with standard due diligence. |
301 - 500 | Moderate Risk | Entities with noticeable risk, requiring enhanced due diligence and monitoring. |
Less than 300 | High Risk | Entities with high risk, necessitating stringent monitoring and comprehensive mitigation measures. |
Status Codes
Code | status | Description |
|---|---|---|
200 | Success | The request id was successfully generated. |
404 | Data not found | No record was found |
409 | Upstream Error | Usptream down, please try again |
400 | Bas request | Error in input parameters |
500 | Internal Server Error | Internal Server Error Please contact support |