TDS Risk
Products
Trust Score — £0.35/check Mobile KYC — £0.45/check
Use cases
Consumer Lending Lead buying Insurance Lead Generation Account Creation Online Gambling Betting Affiliate Networks Payments Fintech
Developers
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Company
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Upstream check — before costs are incurred

TDS Risk doesn't replace your stack. It protects it.

TDS Risk sits at the very start of your customer journey — before credit checks, underwriting, account creation, or manual review. A 2-second, £0.35 carrier signal check that filters fraud before your expensive downstream processes ever touch a bad submission.

✓Not a replacement — a complement. Your existing stack stays exactly as it is.
✓Sits upstream — catches bad submissions before they trigger credit searches, fraud tools, or underwriting.
✓ROI is immediate — if your downstream costs exceed £0.35/check on fraudulent submissions, TDS Risk pays for itself.
✓No integration risk — nothing changes downstream. You just stop bad submissions reaching it.
Calculate your savings ↓
Example: 10,000 checks/month · 10% fraud rate
Bad submissions reaching stack1,000/mo
Downstream cost per bad submission£9.00
Current monthly waste£9,000
TDS Risk cost (10k × £0.35)£3,500
Bad submissions caught upstream~850 (85%)
Downstream waste saved£7,650
Net monthly saving£4,150/mo

TDS Risk pays for itself more than twice over — stopping 850 fraudulent submissions before they reach your stack, saving £4,150 every month while generating a signed audit trail for every check. Try the calculator below with your own numbers.

Where TDS Risk sits in your stack

The upstream check that protects every step that follows

Each step to the right costs more, takes longer, and is harder to reverse. TDS Risk sits at step 1 — where a £0.35 check can prevent £4–£50+ of downstream cost on every bad submission.

Step 0 — You are here
📡
TDS Risk check
Carrier-derived trust score + identity signals. Catches fraud, VOIP, SIM swaps, synthetic identity.
£0.35 – £0.45
→
Step 1
📊
Credit check
Hard or soft credit search. Leaves a footprint. Costs per search. Triggered on submissions that passed step 0.
£0.50 – £2.00
→
Step 2
🔍
Fraud bureau check
CIFAS, National Hunter, SIRA. Per-check cost. Takes time. Flags known fraud — but only after submission.
£0.50 – £3.00
→
Step 3
📋
Underwriting / review
Manual or automated underwriting. High cost. High latency. Operational overhead on bad submissions.
£5 – £25
→
Step 4
❌
Fraud discovered
Chargeback, write-off, or account closure. Operational cost, reputational damage, and regulatory risk.
£50 – £500+
The logic is simple: if your combined downstream cost per fraudulent submission exceeds £0.35–£0.45, and TDS Risk catches even a fraction of those submissions, it pays for itself — while protecting every other system in your stack.
Stack positioning

We complement your stack. We don't replace it.

TDS Risk is not a fraud tool or a credit bureau. It's a carrier signal layer that sits upstream of all of them — improving their accuracy and reducing their cost by filtering submissions before they arrive.

🤝
Works alongside
Credit bureaux
Experian, Equifax, TransUnion still run their checks — but only on submissions that passed your TDS Risk carrier screen. Fewer bad searches. Cleaner data. Lower cost.
🤝
Works alongside
Fraud bureaux
CIFAS, National Hunter, SIRA catch known fraudsters. TDS Risk catches the ones who aren't in any database yet — using live carrier signals, not historical records.
🤝
Works alongside
Identity verification
Document verification, selfie checks, and liveness detection are expensive. TDS Risk filters out bad mobile submissions before they even reach your IDV provider.
🤝
Works alongside
KYC platforms
Full KYC journeys are costly and time-consuming. TDS Risk is a pre-KYC screen — a fast, cheap carrier check that filters obvious fraud before you invest in the full KYC process.
🤝
Works alongside
CRM & lead platforms
Validate mobile numbers at point of lead capture. Filter VOIP numbers, deactivated lines, and high-velocity fraud signals before leads enter your CRM and waste your team's time.
🤝
Works alongside
Underwriting engines
Feed TDS Risk signals — trustScore, riskLevel, lineType — directly into your underwriting model as additional input features. Better decisions. Lower default rates.
Example scenarios

See the numbers in real contexts

Click an example to load it into the calculator below, or adjust the numbers yourself.

Consumer lending
Personal loan applications
Monthly applications: 5,000
Fraud rate: 12%
Product: Trust Score
Downstream cost: £6.50 (credit + fraud bureau)
Catch rate: ~85%
£2,848
estimated monthly saving
Insurance
Motor & home quote flow
Monthly quotes: 20,000
Fraud rate: 8%
Product: Trust Score
Downstream cost: £6.50 (fraud bureau + underwriting review)
Catch rate: ~85%
£1,840
estimated monthly saving
Lead generation
B2B lead validation at capture
Monthly leads: 50,000
Bad number rate: 18%
Product: Trust Score
Cost of bad lead: £3.00 (sales time + CRM + follow-up cost)
Catch rate: ~85%
£5,450
estimated monthly saving
ROI Calculator

Calculate your upstream saving

Enter your numbers. We'll show you what TDS Risk costs, what it saves, and whether the upstream check pays for itself — before you ever sign up.

Your current setup
Adjust each field to match your situation. All calculations update live.
Volume
Monthly checks / submissionsHow many mobile numbers do you process?
Which TDS Risk product?
Your fraud / bad submission rate
Fraud / bad submission rate (%)What % of submissions are fraudulent or invalid?
Downstream costs
Cost per bad submission reaching downstream (£)Credit check + fraud bureau + review time + write-off risk per bad submission
£
Estimated catch rate (%)What % of fraud do you expect TDS Risk to catch? ~85% is typical.
Not sure about your fraud rate? Industry averages: consumer lending 8–15%, insurance 5–10%, lead generation 12–20%, account creation 6–12%. Start with the default and adjust once you have your own data.
Your estimated ROI
Updates live as you adjust inputs
Monthly volume10,000
TDS Risk product cost (£0.35/check)£3,500
Bad submissions (current)1,000
Bad submissions caught850
Downstream waste (current)£9,000
Downstream waste saved£7,650
Net monthly position
+£4,150
Downstream savings exceed TDS Risk cost by £4,150/month
TDS Risk costDownstream waste saved
✓ TDS Risk pays for itself
Even accounting for the full TDS Risk cost, you save on downstream waste — plus you've eliminated fraudulent submissions from reaching your stack entirely.
Annual downstream saving
£91,800
Downstream waste eliminated per year at current fraud rate
Bad submissions stopped per year
10,200
Fraudulent or invalid submissions that never reach your downstream stack

Estimates based on your inputs and a typical ~85% catch rate for carrier-derived signals. Actual results vary by use case and fraud type. No credit file impact. For illustrative purposes.