Phone Risk and Phone Risk with Sim Swap
What is Phone Risk?
Phone Risk evaluates a phone number to predict the likelihood of fraud and measure its correlation to an identity.
It leverages risk intelligence and phone number attributes — such as porting history, subscriber tenure, and line type — to assess both risk and trust.
The Real-Time SIM Swap Verification service extends Phone Risk by detecting whether a phone number has undergone a SIM swap within a specified timeframe. This adds a critical defense layer against account takeover and fraud targeting OTP-based authentication.
| Enrichment | Input fields | Signals returned | Coverage | Best for |
|---|---|---|---|---|
| Phone Risk | Flexible – Full or partial PII to support standard verification or progressive onboarding | - Probabilistic phone risk scores (0.001–0.999)- Correlation score between name and phone ( 0.01–0.99)- Reason codes explaining fraud risk, tenure, or correlation results |
Global | Assessing fraud risk and identity correlation for phone numbers across onboarding, authentication, and profile updates. |
| Phone Risk with Real-Time SIM Swap Verification | Flexible – Full or partial PII to support SIM swap detection alongside standard verification or progressive onboarding | Everything in Phone Risk, plus… - Actionable reason codes indicating whether a SIM swap event occurred within the specified time frame |
Supported countries and carriers | Detecting SIM swap activity to prevent account takeover and secure high-risk transactions. |
What you can do with Phone Risk
- Protect profile updates – Assess risk in real time when users add or change phone numbers.
- Safeguard OTP flows – Ensure the number receiving OTPs is low risk and belongs to the rightful user.
- Enable progressive onboarding – Verify ownership and trustworthiness of a phone number with minimal PII.
- Detect fraud – Flag numbers associated with third-party fraud or suspicious behavior.
Unique Features
Multiple risk scores in one call
Run challenger and production models simultaneously to compare performance, migrate seamlessly, or configure thresholds by model.
Flexible use cases
Apply Phone Risk across the customer journey, from onboarding to authentication to ongoing profile updates.
Correlation intelligence
Measure how strongly a phone number is tied to an individual’s name to verify ownership and legitimacy.
Granular transparency
Reason codes explain the factors behind both the phone risk score and correlation values.
Lightweight input requirements
Only a phone number and country are required, but accuracy improves with optional PII such as name and address.
Enhance Phone Risk with Real-Time SIM Swap Verification
- Secure high-risk transactions – Check SIM swap status before approving sensitive or high-value activity.
- Reinforce OTP flows – Detect recent SIM swaps before sending one-time passcodes.
- Validate account changes – Confirm legitimacy of phone numbers tied to beneficiary or profile updates.
- Authorize new users – Prevent unauthorized access when adding users to an account.
- Defend call center interactions – Identify SIM swap risks on inbound calls to stop account takeovers.
Updated about 1 month ago