## 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`)<br>- Correlation score between name and phone (`0.01–0.99`)<br>- 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…**<br>- 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