Risk Fraud Classification
While Identity Verification asks "is this the right person?", Risk Fraud Classification addresses the probabilistic variable: what is the real risk of this transaction turning into a financial loss for your business?
What it does
The engine cross-references the face and the identifier (code) with additional metadata to identify data inconsistencies, history of third-party document use, behavioral anomalies, and multi-account activity.
Adoption advantage: can be consumed through our SDKs or via API only.
Inputs
A process created via Create Process (Web & Native) or Create Process (API).
Required:
- Person's selfie (
imageBase64) - Primary identifier in
subject.code(government ID, email, phone number, etc.)
Optional (Highly Recommended):
clientReference- Extra metadata:
email,phone, demographic data (name, date of birth, gender, etc.) — these are the essential inputs for a complete behavioral model analysis.
Possible responses
| Response | Meaning |
|---|---|
YES | Signs of fraud associated with this face. |
INCONCLUSIVE | No signs of fraud associated with this face. |
NO responseRisk Fraud Classification does not return NO — the absence of evidence is represented as INCONCLUSIVE, not as a confirmation that there is no risk.
Availability
| Surface | Supported |
|---|---|
| SDK (Android, iOS, Flutter) | ✅ |
| Web (iFrame, Redirect) | ✅ |
| API (headless, no SDK) | ✅ |
Valid combinations
Risk Fraud Classification appears in flows that include the trust suffix:
idlivetrust, idtrust, idchecktrust, idchecktrustdocs, idchecktrustsign, idchecktrustdocssign, idtrustdocs, idtrustsign, idtrustdocssign, idtokentrust.
For the full matrix, see Available flows.