Consumer loan origination fraud detection
Real-time identity intelligence for loan origination fraud
95 billion
fraud attempts blocked annually
47%
more fraud detected
2+ billion
identity records referenced globally
<1 second
response time
Stop fraud earlier in the origination journey
Fraud at origination is becoming more coordinated, more scalable, and harder to detect with static checks alone. Synthetic identity fraud, reused credentials, shared devices, and linked applications can all appear legitimate when viewed in isolation.
Fideo supports lending teams with real-time identity intelligence—uncover hidden connections behind applications and assess risk with more confidence at the point of decision.
With Fideo, lenders can:
- Detect fraud before funding
- Identify synthetic and manipulated identities
- Uncover linked applicants and shared devices
- Reduce false positives and manual review burden
- Improve decisioning speed without adding friction
Two products, one clearer view of risk
Fideo Signals and Fideo Verify plug into loan origination systems, fraud tools, and decisioning platforms through APIs or data feeds. They combine identity, device, behavior, and network data to give lenders a clearer view of risk—gaining context-rich risk insights that static checks miss.
Detect hidden risk behind every application
Fideo enriches loan applications with identity, device, behavioral, and network intelligence that helps teams distinguish legitimate borrowers from high-risk applicants.
By connecting signals across a persistent identity graph, Fideo surfaces risk patterns that rules and point-in-time checks often miss.
Expose coordinated and complex fraud
Origination fraud rarely happens one application at a time. Fraud rings often reuse devices, contact points, credentials, and synthetic identity components across multiple applications to evade detection.
Fideo helps lenders identify these hidden patterns before accounts are opened or funds are disbursed.
Built for fraud, risk, and lending teams
Fideo supports both automated decisioning and analyst-led investigations, helping organizations strengthen fraud defenses without slowing down the customer experience.
Whether you are optimizing approval strategy, improving fraud model performance, or investigating suspicious applications, Fideo provides the intelligence needed to act earlier and with more precision.
Reveal hidden risk across identities, devices, and networks
- Identity attributes and linkage patterns
- Shared devices and infrastructure
- Credential exposure and compromise signals
- Behavioral anomalies and activity patterns
- Network relationships across identities
Detect common and coordinated fraud patterns
- Synthetic identity fraud
- Multi-account and repeat applicant fraud
- Shared-device and linked-identity abuse
- Coordinated application fraud
- Credential replay and identity manipulation
Support key lending, fraud, and risk workflows
- Loan origination screening
- Fraud operations and analyst review
- Identity verification and step-up workflows
- Model development and risk strategy
- Portfolio monitoring and offline analysis
Developer-first integration
Integrate Signals & Verify in minutes
Fideo is API-first, making it easy to embed identity intelligence directly into your loan origination stack, fraud workflows, and decisioning systems. Use real-time signals for application decisions, or deploy batch and data-feed workflows for deeper portfolio analysis—all within a single integration.
Fast to operationalize
Launch core identity and fraud signal capabilities quickly with lightweight integration into existing lending workflows.
Flexible delivery
Access structured intelligence through real-time APIs, batch processing, or direct data feeds.
One unified intelligence framework
Identity, device, behavioral, and network signals work together in one extensible platform built for origination fraud detection.
Explainable & defensible
Outputs are interpretable and auditable, supporting analyst review, model governance, and compliance requirements.
curl -X POST \
https://api.fideo.ai/verify \
-H 'Authorization: Bearer {Your API Key}' \
-H "Content-Type: application/json" \
-d '
{
"emails": [
"[email protected]"
],
"phones": ["+19175550199"],
"profiles": [
{
"service": "x",
"username": "mariatrustywell",
"url": "https://x.com/mariatrustywell"
}
],
"name": {
"given": "Maria",
"family": "Trustwell",
"full": "Maria A. Trustwell"
},
"organization": "Northwind Mutual",
"title": "VP, Deposit Risk",
"location": {
"addressLine1": "19 Highview Blvd",
"city": "Brookhaven",
"region": "New York",
"regionCode": "NY",
"postalCode": "11719",
"country": "United States",
"countryCode": "US"
},
"ipAddress": "65.142.71.22",
"birthday": "1982-07-04"
}
{ "risk": 0.9016137062189019, "checks": [ { "id": "BREACHED_IDENTITY_COMPROMISED", "state": "MED", "name": "Identity Compromised in last 30 days", "description": "The identity has been compromised in the last month, which could indicate a medium potential fraud attempt.", "risk": "MED", "checkPackage": "Breached" }, { "id": "IP_GEOLOCATION_MISMATCH", "state": "TRUE", "name": "IP geolocation mismatch", "description": "The IP geolocation does not match the provided address, indicating a potential fraud attempt.", "risk": "HIGH", "checkPackage": "IP Address" }, { "id": "IP_TYPE", "state": "TOR", "name": "TOR Node detected", "description": "A very high-risk IP, as Tor and anonymizers are commonly linked to privacy-conscious users but are also frequently associated with criminal activity, malware, and fraud attempts.", "risk": "HIGH", "checkPackage": "IP Address" } ] }
Resources
Strengthen origination defenses with real-time identity intelligence
Modern lending fraud requires more than static rules and isolated checks. Fideo combines real-time signals with identity and network context to help lenders detect fraud earlier, investigate faster, and make better origination decisions at scale.