Industries

Twelve sectors. One engine, one evidentiary standard.

What differs between sectors is the decision being made, the artifact types a counterparty presents, and how much uncertainty the institution can carry. The reasoning does not differ — which is why extending to a new sector is a matter of configuration rather than a new product.

Evaluate against your own cases The contract

How to read these

The decision, the gap, and what we add — in that order.

That is the order in which a risk officer evaluates a vendor, so it is the order each card is written in. The registered intent, purpose and stake printed at the foot of every card are the actual parameters that sector's call carries, not an illustration.

Banking and lending

The decision: Whether to open an account or extend credit against a thin file.
What existing tooling misses: A bureau reports borrowing history. It does not report that the email address on the application is three weeks old, that the device has submitted four applications under different names this month, or that the telephone number postdates the employment history it is offered to support.
What GriffynX adds: Correlation across identifiers the applicant supplied separately. A clean record on each one and an adverse pattern between them is the case this exists for.

Payments and fintech

The decision: Whether to authorise a transfer to a first-time payee, within the authorisation window.
What existing tooling misses: Rules detect what they were written to detect. A first-time payee at an unusual hour is either a fraud or a Tuesday, and the difference is not present in the transaction. It is in the conduct of the payee's identifiers elsewhere.
What GriffynX adds: A preliminary assessment inside the stated deadline, refined afterwards rather than withheld. UPI identifiers and DLT-registered SMS headers are first-class artifact types.

Digital assets

The decision: Whether to accept a deposit from, or release funds to, a wallet address.
What existing tooling misses: An address is sanctioned or it is not, and every exchange screens for that. The material question precedes it: whether the address, or the cluster around it, has been named in scam reporting, drained a contract, or appeared beside identifiers already refused.
What GriffynX adds: Sanctions screening and community reporting on a single call, with the address treated as an artifact that correlates to an email, a handle or a device rather than as a string in isolation.

Marketplaces and platforms

The decision: Whether to permit a seller to list, a driver to drive, or a host to host.
What existing tooling misses: Everything on the application is true. The applicant is real, the address exists, the documents are valid. What is not visible is that the identifiers reuse a network already behind three suspended accounts — a fact about your own platform's history joined to public evidence.
What GriffynX adds: Your suspensions are testimony. Submitted as observations, they weigh on future assessments, which no external vendor can do on your behalf because they do not hold them.

Dating and social platforms

The decision: Whether a new profile is a person, and whether it is the person it represents itself to be.
What existing tooling misses: Relationship fraud does not fail a document check, because the documents are genuine and belong to somebody. What discloses it is the shape of the account: a handle claimed across nine platforms in a week, photographs that predate the profile, a number in one jurisdiction and a device in another.
What GriffynX adds: Our broadest coverage sits on social handles, because identity is thinnest there. The assessment concerns the account, not the person behind it, and infers no protected characteristic.

Compliance and AML

The decision: Whether you can demonstrate, afterwards, that you looked and what you found.
What existing tooling misses: Screening tools answer the question asked on the day it was asked. What they rarely produce is what an examiner wants: which rule ran, on which version, against which evidence, and why the answer was what it was at that moment rather than today.
What GriffynX adds: Every call writes one audit record carrying the declared purpose, and every assessment names the methodology version that produced it. Risk bands are a policy you publish and version, so a label from March can be reconstructed in October.

Investigations

The decision: What occurred, who was involved, and what can be placed before a regulator or a court.
What existing tooling misses: The subject is a network, not a person. Several analysts touch it, scope grows as it proceeds, and at the end somebody must show their working to somebody who was not present.
What GriffynX adds: Cases carry an authorisation record, a budget, a legal hold and an append-only event log. Every expansion is one deliberate, costed hop rather than an open-ended crawl, and the export is an evidentiary bundle.

Also served

The same engine and the same artifact types. Sector-specific sources are in development, so these are scoped on a call rather than claimed here.

Insurance

Whether an applicant or a claimant is who the policy file says.

The same correlation across contact and device identifiers, ahead of underwriting and at first notice of loss.

Pack in development

Hiring and workforce

Whether a candidate or a contractor is authentic, before an offer or a first assignment.

Authenticity from public footprint alone, inferring nothing protected about the individual.

Pack in development

Real estate and rental

Whether a prospective tenant, buyer or listing agent is legitimate.

Domain age, infrastructure and contact-identifier conduct on the listing side as well as the applicant side.

Pack in development

Telecommunications

Whether to provision a line, a port-out or a bulk sender identity.

Number reputation, sender-identity registration and device correlation on the same assessment.

Pack in development

Travel and mobility

Whether a booking, a supplier or a counterparty in a high-value itinerary is genuine.

Domain and payment-handle assessment inside the booking window, with a preliminary answer on a deadline.

Pack in development

What stays constant

The sector changes the question. It does not change the standard.

One assessment shape

Whatever the sector, the response is the same object: score, interval, evidence summary, findings, absences, methodology version, and your policy's label.

One audit standard

Every call writes one record carrying the purpose you declared. A decision from any sector can be reconstructed on the same terms.

Your policy, not ours

Thresholds and labels reflect a sector's risk appetite and your own. We supply the evidence and the calibrated uncertainty; the action is yours.

Your outcomes compound

Reported outcomes — repaid, defaulted, suspended, reversed — weigh on subsequent assessments of your book specifically, not an industry average.

Individuals

The same engine answers a single enquiry from one person.

More than half of adults encountered an attempted fraud last year. Discover is the consented entrance: an individual can submit an identifier and read what public sources establish about it, with the reasoning shown — including their own, to see what a counterparty would find. It is free, it requires no registration, and it is the same assessment an institution receives through the API.

About Discover

Bring one case from your own book.

A five-day evaluation on the licensed tier, scoped to your sector, with one of us on the call to configure it. Tell us the decision you are trying to make.

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