Risk assessment the instant an email address is exchanged.
Adaptive AI scoring built on email, IP, phone and address signals enriched across a global contributory network — precise fraud decisions in real time, with clear reason codes and almost no friction for genuine customers.
- Of fraud captured
- ~90%
- Of transactions targeted for review
- 10%
- Score returned inline via API
- Real time
- Juniper Research Platinum Award
- 2025
Of fraud captured
Of transactions targeted for review
Score returned inline via API
Juniper Research Platinum Award
Why organisations use Emailage
Digital adoption has pushed fraud upstream: attacks now arrive at account opening and checkout, before any traditional verification step. Emailage scores risk from the minimal data a customer already gives you — starting with an email address — by analysing its digital footprint and linkages across a large cross-industry contributory network. The adaptive model architecture continuously learns from your own transactions, industry trends and emerging fraud patterns, so scores stay accurate without manual recalibration cycles. The result is a first filter that clears good customers instantly and reserves heavy verification for the small slice of traffic that warrants it.
Adaptive AI models
Fully model-based architecture that continuously learns from your transactions and emerging fraud patterns — no manual recalibration projects.
Multi-signal analysis
Email, IP, phone, address and behavioural signals are analysed together rather than scored in isolation.
Dynamic attribute linking
Automated linking across attributes surfaces complex connections, dependencies and abnormalities that single-signal checks miss.
Global contributory network
One of the largest cross-industry fraud networks sharpens detection of attack patterns before they reach your channel.
Transparent reason codes
Every score is accompanied by clear reason codes, giving analysts operational clarity and giving auditors traceability.
Customisable scoring
Thresholds and score treatment are calibrated to your own fraud profile and risk appetite, not a generic industry default.
Automation-ready output
Scores and codes plug straight into decision rules to reduce manual review and streamline genuine users.
Short time to value
Flexible integration options and rapid activation mean the score can sit inline in onboarding or checkout quickly.
Coverage and specifications
Signals
- Email address and domain footprint
- IP intelligence
- Phone attributes
- Address signals
- Behavioural and velocity indicators
Outputs
- Numeric risk score
- Transparent reason codes
- Recommended treatment
- Attribute linkage insight
Integration
- Real-time REST API
- Delivered through API4ALL
- Orchestration across workflows
- Rapid activation
- Rules and thresholds tuned with our team
Business impact
- Fewer false positives
- Higher conversion rates
- Lower abandonment
- Less manual review
- Better experience for trusted users
How it works
- 01
Capture minimal data
An email address is enough to score; adding phone, IP, address or name increases precision.
- 02
Enrich and link
The digital footprint behind those identifiers is enriched and dynamically linked across the contributory network.
- 03
Score in real time
An AI-generated risk score plus reason codes return within the API call, inline with your customer journey.
- 04
Decide automatically
Your rules approve, step up or decline — low-risk customers pass without friction, high-risk traffic is routed for review.
- 05
Learn and adapt
Outcomes feed back into adaptive models so performance keeps improving as fraud patterns shift.
Where it is used
- Account opening and digital onboarding fraud checks
- E-commerce and card-not-present transaction screening
- Payment institution and EMI customer risk assessment
- Gaming and iGaming account verification
- Lending application fraud triage before credit assessment
- Insurance quote and claims fraud signals
Outcomes teams report
- Around 90% of fraud captured while targeting roughly 10% of transactions
- Manual review queues shrink as automation handles clear-cut cases
- Genuine customers complete onboarding with minimal friction
- Top-line growth from higher conversion and lower abandonment
Frequently asked questions
How fast is the response?
Scores return in real time inside the API call, so they can run inline at account opening or checkout without noticeable delay.
Does it replace document verification?
No. It is a frictionless first filter that decides who needs heavier verification, which is what keeps verification costs down.
What data do we need to send?
An email address is enough to generate a score; adding phone, IP, address and name improves accuracy.
Do we have to retrain or recalibrate the model?
No. The adaptive architecture continuously learns from your transactions and wider fraud trends without manual recalibration.
Can we explain a decision to a customer or regulator?
Yes. Each score comes with transparent reason codes so decisions are explainable and auditable.
How is it integrated?
Through API4ALL or directly into your platform, with thresholds and rules tuned alongside our team during implementation.
Interested in Emailage?
One contract, local implementation and support — Securing Ease of Mind.