Decision Signals API

An identity verification API to automate risk decisioning.

Decision Signals API is a comprehensive identity verification solution to support automated risk decisioning. It aggregates name, phone, address, email, and IP data for primary and secondary sets in a single API request, checking for inconsistent or risky signals and enabling confident identity approval and rejection decisions.

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{
    "identity_score": 75,
    "primary_phone_checks": {
        "is_valid": true,
        "country_code": "US",
        "is_commercial": false,
        "line_type": "Mobile",
        "carrier": "Verizon Wireless",
        "is_prepaid": false,
        "name_match": true,
        "address_match": "Match"
    },
    "secondary_phone_checks": {
        "is_valid": true,
        "country_code": "US",
        "is_commercial": false,
        "line_type": "Mobile",
        "carrier": "Verizon Wireless",
        "is_prepaid": false,
        "name_match": false,
        "address_match": "No Match"
    },
    "primary_address_checks": {
        "is_valid": true,
        "is_commercial": false,
        "is_forwarder": false,
        "type": "Single Unit",
        "name_match": true
    },
    "secondary_address_checks": {
        "is_valid": true,
        "is_commercial": null,
        "is_forwarder": false,
        "type": "Single Unit",
        "name_match": null,
        "distance_from_primary_address": 2181
    },
    "primary_email_address_checks": {
        "is_valid": true,
        "is_disposable": false,
        "email_age_score": 100,
        "email_domain_creation_days": 11508,
        "name_match": true
    },
    "secondary_email_address_checks": {
        "is_valid": true,
        "is_disposable": false,
        "email_age_score": 60,
        "email_domain_creation_days": 11301,
        "name_match": null
    },
    "ip_address_checks": {
        "is_valid": true,
        "trust_score": 97,
        "connection_type": "government",
        "geolocation": {
            "postal_code": "20886",
            "city_name": "Montgomery Village",
            "subdivision": "MD",
            "country_code": "US"
        },
        "distance_from_primary_address": 2310,
        "distance_from_secondary_address": 854,
        "distance_from_primary_phone": null,
        "distance_from_secondary_phone": null
    },
    "warnings": [
        "Secondary Address: Invalid house/building number"
    ],
    "errors": []
}

{identity_score: 75,
primary_phone_checks: {is_valid: true,
country_code: "US",
is_commercial: false,
line_type: "Mobile",
carrier: "Verizon Wireless",
is_prepaid: false,
name_match: true,
address_match: "Match"
8 items},
secondary_phone_checks: {is_valid: true,
country_code: "US",
is_commercial: false,
line_type: "Mobile",
carrier: "Verizon Wireless",
is_prepaid: false,
name_match: false,
address_match: "No Match"
8 items},
primary_address_checks: {is_valid: true,
is_commercial: false,
is_forwarder: false,
type: "Single Unit",
name_match: true
5 items},
secondary_address_checks: {is_valid: true,
is_commercial: null,
is_forwarder: false,
type: "Single Unit",
name_match: null,
distance_from_primary_address: 2181
6 items},
primary_email_address_checks: {is_valid: true,
is_disposable: false,
email_age_score: 100,
email_domain_creation_days: 11508,
name_match: true
5 items},
secondary_email_address_checks: {is_valid: true,
is_disposable: false,
email_age_score: 60,
email_domain_creation_days: 11301,
name_match: null
5 items},
ip_address_checks: {is_valid: true,
trust_score: 97,
connection_type: "government",
geolocation: {postal_code: "20886",
city_name: "Montgomery Village",
subdivision: "MD",
country_code: "US"
4 items},
distance_from_primary_address: 2310,
distance_from_secondary_address: 854,
distance_from_primary_phone: null,
distance_from_secondary_phone: null
8 items},
warnings: ["Secondary Address: Invalid house/building number"
1 item],
errors: []
}

Use Cases: How Teams Use Decision Signals API

eCommerce Transactions

Accurately approve transactions and reduce fraud by automating identity risk in real-time.

Signup and Onboarding

Instantly verify primary and secondary identity attributes during account creation to prevent fake identities and accounts without slowing down legitimate user growth.

Lending and Underwriting

Make faster, more confident credit decisions by supplementing your existing signals and models with a comprehensive Identity Score and metadata to minimize risk.

Marketplace Trust and Safety

Proactively identify risky users, mitigate account takeovers, and prevent platform abuse to maintain a secure, trusted environment for both buyers and sellers.

Features: Made for Automating Risk Decisions

Identity Score

Support approvals and rejections with an actionable 0–100 score that measures the overall trustworthiness of the identity.

Attribute Verification and Cross-Checks

Verify individual identity inputs such as phone, address, email, and IP and cross-check them against one another to confirm overall consistency and accuracy.

Multi-Profile Comparison

Evaluate two identity sets simultaneously to measure alignment, distance, and relationship risks between primary and secondary inputs.

Built to Integrate Fast

Add a single lightweight identity layer to your rules engine or machine learning platform without months-long deployment.

Access our identity data via API integration or Batch Upload — whichever fits your needs best.

Seamlessly integrate Decision Signals API into your platform.

Upload CSV files for bulk enrichment. Get your results within minutes.

479M

Identities

1.03B

Phone-Name Linkages

1,000

QPS (up to)

99.99%

Uptime

Benefits of Using Decision Signals API

Protect your bottom line without slowing down your good customers. Here’s how Decision Signals API helps teams scale safely and efficiently:

Automate Risk Decisioning

By integrating directly into your existing workflows, Decision Signals API instantly verifies primary and secondary identity attributes. This allows you to catch risky or mismatched identities in real-time, while helping automate approval for good customers.

Consolidate Verification Checks

Instead of managing multiple vendor endpoints for phone, address, email, and IP checks, Decision Signals API aggregates all these data points in a single query. This simplifies the integration and lowers your overall API maintenance overhead.

Enhance Existing Internal Models

Companies rarely make risk decisions based on a single data provider. Decision Signals API is designed to be an effective supporting product that combines easily with your device data and internal flags.

Ensure a Frictionless User Experience

Every second of delay in checkout or onboarding costs conversions. By instantly assessing identity risk in the background, you can understand the risk associated with a user in real-time. This reduces unnecessary friction for trusted customers, while protecting your company.

Strengthen Scale Verification Effortlessly with IP Checks

Decision Signals API is built to handle massive spikes in traffic. Whether you are processing a surge in holiday eCommerce transactions or a rapid influx of marketplace signups, your decisions around risk remain fast, reliable, and automated.