## Data signals used in verification

We incorporate signals such as:

- **Credit and identity header data** — Core identity attributes and alerts
- **Alternative data** — Telecom, utility, and account-based records that help improve match rates
- **Permissioned financial data (where authorized)** — Limited account attributes such as status or tenure
- **Authoritative data sources** — Public and private records used to corroborate identity, where permitted
- **Document verification** — Government-issued ID with selfie match
- **Deceased and fraud signals** — Verified death records and related indicators
- **Digital signals**—
  
  - Email (age, domain characteristics)
  - Phone (tenure, carrier, SIM swap indicators)
  - Device and network (IP, device attributes)
  - Behavioral patterns (velocity, anomalies)

Signals are evaluated within configured workflows. Required identity elements (e.g., name, DOB, national ID) must be verified within a single source response—results are not constructed across multiple sources.