Mobile Risk Intelligence & Mobile KYC APIs

What makes us different

Infrastructure. Not a product layer.

We didn't buy our way into carrier relationships. We built the compliance layer that made carriers trust us as a central intermediary — and got pre-approved across all four major UK networks.

EE compliance team said:

"We've never seen anything like this before."

We solved the part that normally creates the friction: carrier approval happens at TDS level, not customer by customer.

✓Believed to be the only company in the UK with pre-approved intermediary status across all 4 networks

✓Competitors require 4–6 weeks of due diligence before you even see an API key

✓You inherit our carrier trust the moment you sign up — zero separate onboarding

✓No humans in the critical path = infrastructure pricing = £0.35 flat for everyone

<10m

From sign up to first check.

4–6wk

What competitors take before seeing an API key.

0

Manual steps in the critical path of a check.

1×

Price for everyone. Startup = bank. No exceptions.

How it works

From signup to live API in under 10 minutes

Fully self-serve. Automated compliance. No sales call. No per-carrier onboarding. What competitors take weeks to do, we automated entirely.

01

Create an API key

Sign up, select service, declare legal basis and use case. Top up by card. No sales call. No contract. No minimum spend.

Self-serve · no sales call

02

Automated compliance generation

Platform validates your use case and generates your GDPR-compliant privacy policy wording and consent statement automatically. Copy, paste, done. No lawyer needed.

Generated for you instantly

03

Single, central approval

Paste your policy URL. We scan and verify compliance automatically. One approval covers all UK carriers. No per-network onboarding. Ever.

All 4 carriers in one approval

04

Live signals immediately

Start querying via API or manual tools immediately. Every check includes a full immutable audit trail — timestamped, cryptographically signed, included in the price.

Live · audit trail included

Upstream check

We sit before your stack. Not inside it.

TDS Risk doesn't replace anything in your stack. It sits at step zero — a £0.35 carrier check that catches fraud before it triggers the expensive processes downstream.

Step 0 — You are here

📡

TDS Risk

Trust score, SIM swap, identity signals

£0.35–£0.45

→

Step 1

📊

Credit bureau

Hard/soft search. Footprint. Cost per search.

£0.50–£2

→

Step 2

🔍

Fraud bureau

CIFAS, National Hunter. Per check cost.

£0.50–£3

→

Step 3

📋

Underwriting

Manual or automated. High cost per case.

£5–£25

→

Step 4

❌

Fraud discovered

Write-off, chargeback, regulatory risk.

£50–£500+

The logic is simple: if your downstream cost per bad submission exceeds £0.35, and TDS Risk catches even a fraction, the upstream check pays for itself — while protecting every system that follows.

Products

Trust Score & Mobile KYC

Two carrier-derived signal products. One infrastructure. Deeper signal than any alternative.

Trust Score

Mobile KYC

★ Most popular

Trust Score

£0.35

per check — same for everyone

Real-time carrier-derived risk score from 0–1000. Catches SIM swaps, VOIP numbers, deactivated lines, and high-velocity fraud signals before your stack processes the submission.

trustScoreinteger 0–1000

Real-time trust value. 1000 = perfect trust. 0 = complete risk. Derived live from carrier signals.

riskLevelinteger -1 to 4

SIM swap age with precision timing bands.

-1 unavailable · 1 = <24h swap · 4 = no swap 720h+

simTimestampstring

Exact timestamp of most recent SIM swap.

lineTypestring

mobile / landline / fixedvoip / voip / service — catch non-mobile submissions instantly.

phoneRiskboolean

True if number appears on public shared phone lists — strong fraud signal.

callDivertboolean

True if call forwarding is currently active — may indicate VoIP, intentional call routing, or unusual forwarding on a mobile number that warrants further investigation.

carrierstring

Live carrier. Not cached — queried in real time.

indicatorsarray

Full reason code set explaining the score in detail.

riskLevel reference

Val

Meaning

-1

SIM date/time unavailable from carrier

0

Outside expected timeframe or field missing

1

SIM swapped within last 24 hours — high risk

2

SIM swapped 24–72 hours ago

3

SIM swapped 72–720 hours ago

4

No SIM swap in 720+ hours — low risk

Trust Score reason codes

D1The phone number exists on websites exposing text message history publicly, which bad actors use to bypass possession checks.

RLThe phone number was associated with a high-risk line type. It is either a Non-Fixed VoIP, SMS delivery has been redirected, or it has been listed on a public website with the contents of its text messages posted publicly to allow a user to bypass phone possession check controls.

LSLow tenure SIM (SIM change < 90 days).

PNThe phone number wasn’t active.

CFThe mobile number has call forwarding enabled.

INPhone number is from a different country than the country request field.

CUCarrier call was unsuccessful.

NMNot a mobile line type.

NDNetwork status information isn’t available.

TFToll-free area code.

TRcallInSession signal is unavailable. Please use the Trust Score+ API.

PTThe carrier ported this phone number.

WSSIM timestamp wasn’t factored into the Trust Score.

No codes match.

View full reason code reference →

Sample response

POST /trust/v1 → 200 OK

{ "trustScore": 820, "riskLevel": 4, "simTimestamp": "2023-05-22T03:48Z", "indicators": ["PT"], "carrier": "EE", "lineType": "mobile", "phoneRisk": false, "callDivert": false, "countryCode": "GB" }

Identity verification

Mobile KYC

£0.45

per check — same for everyone

Granular identity match against carrier-held records. Individual scores for name, address, DOB. Catches synthetic identities, impersonation, and lost/stolen devices — no documents required.

verifiedboolean

Overall — does submitted identity plausibly match the number?

nameScore0–100

Combined name score. 100 = exact match.

firstName0–100

Granular first name match. Supports nicknames (Bill ↔ William).

lastName0–100

Granular last name match score.

addressScore0–100

Full address match. Includes P3/P5/P9 postal precision.

dobboolean

Date of birth match against carrier account record.

isLostStolenboolean

Critical fraud signal — handset reported lost or stolen. Catches device-based account takeover.

accountTypestring

prepaid / postpaid / corporate. Prepaid = higher risk.

Mobile KYC reason codes

INPhone number is from a different country than the country request field.

LALow tenure address.

DTData retrieval timeout.

NCName and address information isn’t available.

XBDate of birth isn’t available in the data.

CNFirst and last names combined in one field.

UVUnable to verify the address.

No codes match.

View full reason code reference →

Sample response

POST /kyc/v1 → 200 OK

{ "verified": true, "nameScore": 98, "firstName": 100, "lastName": 96, "addressScore": 92, "dob": true, "isLostStolen": false, "accountType": "postpaid", "carrier": "Vodafone" }

Compliance

Every check. Fully auditable.

Every request produces an immutable, cryptographically signed audit record. Included in the price of every check. Audit-ready for FCA, ICO, and FOS review.

✓Privacy policy scanned daily — access suspended if disclosures removed

✓Every check linked to exact policy version in force at time of processing

✓No retroactive modification — outputs frozen permanently at check time

✓Role separation: Controller (you) · Processor (TDS) · Signal providers (MNOs)

✓ICO registered · ZB300553 · DPA available on Trust Centre

✓Does not affect credit files — carrier signal checks only

Security & Compliance → Audit example →

Audit Summary — TDSR4421Signed

Timestamp2026-03-17T14:22:01Z

CustomerReferencemy-ref-001

RequestIdTDSR-4421-abc123

PolicyVersionv1.0

MaterialChangeNone

LegalBasislegitimate_interest

DeclaredUseCaselead_validation

DataControllerYour Business Ltd

ProcessorThe Data Supermarket Ltd

LastPolicyScan2026-03-17T13:58:09Z

NextPolicyScan2026-03-18T13:58:09Z

PolicyHashSHA-256 · 7fd0e2a9…

OutputFrozenYes

Re-executionNo

RiskRecallAvailable

SignatureSHA-256 · 8252bc1c…

Why TDS Risk

Built different. On purpose.

Competitors gatekeep carrier signals behind volume commitments and weeks of per-carrier onboarding. We built the infrastructure to make that irrelevant.

The old way

✗

4–6 weeks

Same customer x4 networks (Average 4-6 weeks in total ).

✗

Volume pricing walls

£2 small. £0.50 at 2M checks.

✗

Checks too late

After credit checks already ran.

✗

No audit trail

Manual, one-off, no monitoring.

TDS Risk

✓

Instant, all carriers

One approval. Minutes, not weeks.

✓

Same price, everyone

10 or 10M. No contracts.

✓

Front-door checks

Before any costs are triggered.

✓

Signed every check

Immutable, daily policy scan.

Pricing

Infrastructure pricing. One price for everyone.

We built automation not headcount. No manual bottlenecks = no inflated margins. A startup pays exactly what a bank pays.

★ Recommended

Trust Score

£0.35

per check — same for everyone

✓ 10 checks or 10 million — same price

✓Real-time 0–1000 trust score

✓SIM swap timestamps + riskLevel

✓13 reason codes + lineType + phoneRisk

✓Immutable signed audit trail per check

✓Credits never expire · no contract

Identity verification

Mobile KYC

£0.45

per check — same for everyone

✓ 10 checks or 10 million — same price

✓Name, address, DOB match scores

✓isLostStolen critical fraud flag

✓7 reason codes — full KYC signal context

✓Immutable signed audit trail per check

✓Same no-contract, no-expiry terms

* Does not affect credit files. Used solely for fraud prevention and identity verification.

Full pricing details + philosophy →

Use cases

Built for your industry

The upstream check that protects whatever comes next — credit checks, underwriting, KYC, or account creation.

Consumer Lending

Stop SIM swap fraud and synthetic identity before credit checks run.

Learn more →

Insurance

Filter ghost broking and application fraud at the quote form.

Learn more →

Fintech & Payments

Detect fintech account fraud before onboarding, access or payment.

Learn more →

iGaming

Detect bonus abuse and multi-accounting risk at registration.

Learn more →

Lead Generation

Validate mobile numbers at point of capture. Keep CRM clean.

Learn more →

Lead Buying

Validate purchased leads before you pay, dial or route them.

Learn more →

Affiliate Networks

Detect fake affiliate leads before they reach buyers.

Learn more →

Account Creation

Screen before KYC runs. Reduce IDV spend by filtering upstream.

Learn more →

Industry Voices

What the industry says

★★★★★

"As a compliance consultant, it was great to see how TDS has built compliance into every step of the process. The transparency around what they do and how they do it gives me real comfort that this is a company that genuinely cares about what matters to organisations already navigating a growing number of laws and regulations."

Razia Bibi-Walters

PDP Consultancy Services Limited

★★★★★

"TDS Risk adds another layer of security without adding friction for the customer. It uses information businesses already collect, it's priced low enough to run early in the journey, and the signals are useful enough to influence what happens next. That's a very strong proposition."

Robert Brooker

TDS Risk Advisor

★★★★★

"Pending a legend's opinion. A few well-known names are still deciding. One's still testing our trust scores, one's checking the reason codes twice, and one's still 'circling back.' We're holding this spot for whoever says yes first."

Some Legend

Legend Ltd

Why we built this

The infrastructure the industry locked away

"

95% of businesses are locked out — not because the signals don't exist, but because the industry built a model that punishes anyone who can't commit to millions of checks upfront. The small guys pay £2 for something the big guys get for £0.50. That's not competition. That's gatekeeping.

TDS Risk was built to tear that down. One price. No contracts. No minimums. A startup on day one has access to exactly the same carrier infrastructure as a bank.

Founder, The Data Supermarket

thedatasupermarket.com · Co. No. 13855926

<10 min

Time from sign up to your first live check, across all 4 UK carriers. EE's compliance team said they'd never seen anything like it.

4–6 wks

What competitors take in total. Same customer, repeated four times. We did it once, for everyone, permanently.

1 approval

Covers all UK networks, every customer, for the lifetime of their account. Inherit our carrier trust instantly.

Real-time, carrier-derived mobile risk intelligence

One integration. Multi-network access

Infrastructure. Not a product layer.

From signup to live API in under 10 minutes

We sit before your stack. Not inside it.

Trust Score & Mobile KYC

Every check. Fully auditable.

Built different. On purpose.

Infrastructure pricing. One price for everyone.

Built for your industry

What the industry says

The infrastructure the industry locked away

Start querying carrier signals today.

Real-time, carrier-derived mobile risk intelligence

One integration. Multi-network access

Infrastructure. Not a product layer.

From signup to live API in under 10 minutes

We sit before your stack. Not inside it.

Trust Score & Mobile KYC

Every check. Fully auditable.

Built different. On purpose.

Infrastructure pricing. One price for everyone.

Built for your industry

What the industry says

The infrastructure the industry locked away

Start querying carrier signals today.

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