Trust score

Availability

Available in SDK v1.2+

The Trust Score capability calculates a single composite score that summarises the results of all background checks up to that point in the workflow.

Trust Score only considers background checks: Personal data checks and PEP, AML & Adverse Media checks. Document and biometric verification steps (Scan ID, Scan & Verify ID, Selfie & Face Match) don't contribute to the trust score.

How it works

Each background check produces a score after it runs. You assign a weight (0 to 5) to each of those checks:

• 0: the check has no impact on the trust score
• 1 to 5: the check contributes to the trust score, with higher values giving the check proportionally more influence

The weighted scores are then combined into a single trust score. By default, all checks carry the same weight.

You then define a threshold: if the combined trust score falls below that threshold, the step can be configured to result in a Rejected outcome or send the transaction to Manual review.

Placement in the workflow

Trust Score can be placed at different points in the workflow depending on your needs:

• Mid-workflow: place it after background checks but before additional verification steps. This lets you route high-risk users through a stricter path (for example, requiring a selfie or additional document checks) while letting low-risk users proceed directly.

• End of workflow: place it at the end to produce an overall risk signal for the transaction record, without branching.

For workflow branching based on the trust score outcome, combine this capability with an If/else branch.