See the risk your data can't

Your model knows their past.
Vision Score reads their present.

Powered by Trusting Social's proprietary computer vision, Vision Score is an independent risk layer validated on 1M+ real-world outcomes. Highly predictive. Unbiased by design. Built for the borrowers your model can't reach. It runs alongside your existing stack — so every decision is made on a more complete picture.

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The Signal

Every borrower has an invisible signature

At the point of application, Vision Score captures real-time biometric signals—unique and invisible to traditional models

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The Proof

Identify risk that historical data misses

Vision Score flags hidden default risks in profiles that appear safe by every historical measure, reading the "present moment" signals that standard models were never built to see.

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The Reach

Score the borrowers no one else can

For thin-file applicants, Vision Score analyzes onboarding cues—liveness, age, and environment—to generate a standalone risk score with no extra steps or infrastructure.

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The Outcome

A more accurate, wider portfolio

By pairing historical data with real-time biometric signals, you surface hidden risk and score the "invisible" borrower. Fewer defaults, more approvals.

Stage 1

Biometric Signal Capture

Captured within your workflow

Stage 2

Liveness Verification

Deepfake, mask & spoofing detection

Stage 3

Risk Parameter Extraction

Validated against real loan performance data

Stage 4

Score Calculation

Trained and calibrated on your institution's data

Stage 5

Decision Integration

Integrated score into your lending workflow

Who it’s Built for

Any institution making credit decisions at scale.

Digital Banks and Digital Lenders

Fast decisioning, high volume, thin-file borrowers. You are already comfortable with alternative data and your infrastructure is API-ready. Vision Score adds an independent signal to every application without adding friction — and the pilot cycle is short enough to produce results within the campaign window.

Universal and Commercial Banks

Your scoring infrastructure is strong and your cycles are longer. Vision Score does not ask you to change what you have. It adds a data source your model has never had — and the proof point from a digital lender pilot means the conversation starts from evidence, not pitch.

Rural and Thrift Banks

Your borrowers are often invisible to every traditional data source. That is not a gap in your model. That is a structural limitation of the data. Vision Score was built for exactly this population — producing a credible independent risk signal where no other data exists.

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Liveness & Deepfake Defense

Integrated protection that detects masks, photos, and deepfakes to ensure real-time user presence during the scoring process.

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Dynamic Adaptability

Not a "one-size-fits-all" score; the model learns risk patterns uniquely for every partner, distinguishing between high-risk BNPL signals and unsecured personal loan profiles.

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Enhanced Credit Inclusion

Extends credit to underserved demographics by identifying low-risk candidates who would be rejected by traditional telco or financial data limits.

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Socioeconomic Pattern Recognition

Sophisticated environmental analysis can detect high-risk signals even in profiles with "perfect" traditional credit scores.