---
title: Fraud Risk Classification
description: Detects behavioral anomalies and identity fraud with network effect by evaluating the transaction in the temporal dimension.
canonical: https://developer.unico.io/dual-api/capabilities/fraud-risk-classification
locale: en
generated_by: markdown-export
---

While Identity Verification asks "is this the right person?", Fraud Risk 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 government identifier with additional metadata to identify data inconsistencies, history of third-party document use, behavioral anomalies, and [multi-account activity](/capabilities/multi-accounts).

Adoption advantage: can be consumed through our SDKs or via API only.

### Inputs

A process created via [Create Process](/dual-api/developers/api-reference/web-sdk/post-process) (Web & Native) or [Create Process](/dual-api/developers/api-reference/api/post-processes) (API).

**Required:**
- Person's selfie — in API integrations you send it as `imageBase64`; in Web integrations the capture is performed by Unico.
- Primary identifier (`subject.code` in API) — government ID, email, phone number, etc.

**Optional (Highly Recommended):**
- `clientReference` (`subject.clientReference` in API) — becomes **required** when Multi Accounts is enabled.
- 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. |

This table represents the individual response of the capability.

:::tip[API enum values]
In the Web & Native contract response, these map to `TRUST_RESULT_YES` (`YES`) and `TRUST_RESULT_INCONCLUSIVE` (`INCONCLUSIVE`) in the `authenticationInfo.identityFraudstersResult` field. See [Get Process](/dual-api/developers/api-reference/web-sdk/get-process) for the full enum table.
:::

:::warning[There is no `NO` response]
Fraud Risk Classification **does not return `NO`** — the absence of evidence is represented as `INCONCLUSIVE`, not as a confirmation that there is no risk.
:::

### Interpreting the result

The behavioral assessment returns one of 5 possible values. When `status = 3` (Completed), check `riskLevel.result`:

| Value | Meaning / What the engine found | Recommended action |
|---|---|---|
| `approved` | No evidence of fraud associated with this face. | Proceed with the standard approval flow. |
| `reproved` | Maximum evidence of fraud and risk. There is a very high probability that this transaction will result in financial loss, due to strong association with identity theft or recurring use of third-party identities. | Automatic block or rejection. |
| `risk-critical` | High fraud risk. Indicates critical inconsistencies, such as a severe mismatch between registration data (age/gender) and facial biometrics, pointing to a high risk associated with fraud. | Automatic rejection or strict credit policy adjustment. |
| `risk-high` | Potential fraud. This signal frequently reflects unusual recent activity or network hyperactivity. | Manual review by the analysis desk (back-office). |
| `inconclusive` | There is not enough information mapped in our network to determine that the transaction carries risk. | Proceed with the standard approval flow. |

### Multi Accounts

Answers whether the captured face is already linked to another `clientReference` within the same `clientReferenceSegment`. See the [Multi Accounts](/capabilities/multi-accounts) page for the possible responses, requirements, and all the capability's information.

### Availability

| Surface | Supported |
|---|:-:|
| **SDK** (Android, iOS, Flutter) | ✅ |
| **Web** (iFrame, Redirect) | ✅ |
| **API** (headless, no SDK) | ✅ |

### Valid combinations

Fraud Risk 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](/dual-api/capabilities/available-flows).

### Products that use this capability

- [Onboarding](/products/sign-up/onboarding/index)
- [Non-document verification](/products/sign-up/non-document-verification/index)
- [Fraud Risk Level Detection](/products/sign-up/fraud-risk-level-detection/index)
- [Multi Accounts](/products/sign-up/multi-accounts)