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FraudBlock API

Lokyata’s FraudBlock API (FBA) enables lenders to perform real-time fraud assessment and risk evaluation on loan applications. By checking key borrower data points across multiple fraud detection systems and analyzing transaction pattern histories, FraudBlock computes a comprehensive fraud probability score to assist in underwriting decisions.

Environments & Credentials#

  • Production API Posting URL: http://api.fraudblock.lokyata.ai/
  • Production API Key: [to be provided]

Key Capabilities#

  • IP Risk Analysis: Identifies proxy/VPN usage, bot activity, abuse history, and transaction risks using advanced IP intelligence.
  • Velocity Tracking: Analyzes the frequency of applications using the same mobile number, SSN, bank account, email, or physical address over a 45-day window to block coordinated fraud rings.
  • Machine Learning Scores: Runs a custom-trained model to output a singular, normalized probability of fraud/default (fb_application_prob_score).