Solutions/Alternative Lending

Alternative Lending Fraud Detection

Fintech lenders approve faster than ever—and fraudsters know it. Sightova intercepts synthetic pay stubs, fabricated bank statements, and AI-generated identity documents before they reach your underwriting queue.

API: v3.LENDING_SHIELD
DOCUMENT MODELS: 12 ACTIVE
SOC 2 TYPE II COMPLIANT

Lending Document Defense Modules

SELECT * FROM lending_fraud_matrix
ALT-STB-01
LENDING MODULE

Synthetic Pay Stub Detection

Identify AI-generated and template-manipulated pay stubs by analyzing font consistency, compression artifacts, and pixel-level anomalies that betray synthetic creation tools.

PAY STUB ANALYSISFONT FORENSICSTEMPLATE DETECTION
ALT-BNK-02
LENDING MODULE

Fake Bank Statement Analysis

Scan uploaded bank statements for signs of digital tampering, including altered transaction amounts, fabricated balance histories, and inconsistent rendering patterns.

STATEMENT VERIFICATIONBALANCE FORENSICSTAMPER DETECTION
ALT-IDV-03
LENDING MODULE

Identity Document Verification

Authenticate government-issued IDs by cross-referencing holographic watermarks, microprint patterns, and photo embedding techniques against known document specifications.

ID AUTHENTICATIONWATERMARK CHECKDOCUMENT SPEC MATCH
ALT-INC-04
LENDING MODULE

Income Document Forensics

Perform deep forensic analysis on W-2s, 1099s, and tax returns to detect pixel splicing, metadata stripping, and inconsistencies between declared fields and document structure.

W-2 VERIFICATIONTAX DOCUMENT SCANMETADATA ANALYSIS
ALT-LIV-05
LENDING MODULE

Selfie Liveness Validation

Determine whether a submitted selfie is a genuine photograph of a live person or a GAN-generated synthetic face, printed photo replay, or digitally composited identity.

LIVENESS CHECKGAN DETECTIONANTI-SPOOFING
ALT-APP-06
LENDING MODULE

Application Image Screening

Screen every image artifact attached to a loan application—utility bills, lease agreements, employment letters—for generative AI fingerprints and editing tool signatures.

DOCUMENT TRIAGEBULK SCREENINGARTIFACT ANALYSIS
DOCUMENT INTELLIGENCE

Catch Fraud Before Disbursement

Synthetic document fraud costs alternative lenders over $6 billion annually. Fraudsters use generative AI tools to produce pay stubs and bank statements that pass basic OCR checks—but not Sightova's deep forensic layer.

  • Detect pixel-level anomalies in pay stubs generated by tools like Photoshop, Canva, and AI document generators.
  • Identify metadata stripping and re-encoding patterns that indicate a document has been fabricated or altered.
  • Flag applications with mismatched identity signals across selfie, ID, and income documents in a single API call.
LENDING DOCUMENT SCAN — RESPONSE
{
  "scan_id": "lnd_8f2a4c91e7b3",
  "applicant_ref": "APP-2026-00482",
  "documents_analyzed": 3,
  "results": [
    {
      "type": "pay_stub",
      "verdict": "SYNTHETIC",
      "confidence": 0.964,
      "signals": [
        "uniform_font_rendering",
        "missing_printer_artifacts",
        "template_match:paystub_gen_v4"
      ]
    },
    {
      "type": "bank_statement",
      "verdict": "MANIPULATED",
      "confidence": 0.891,
      "signals": ["balance_splice_detected", "exif_stripped"]
    },
    {
      "type": "selfie",
      "verdict": "AUTHENTIC",
      "confidence": 0.987,
      "liveness": true
    }
  ],
  "recommendation": "DECLINE — HIGH FRAUD RISK"
}

Protect Your Lending Pipeline

Stop synthetic document fraud at the point of application. Integrate Sightova's API into your origination flow and catch fabricated income, identity, and banking documents before they cost you.

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