India-native · DPDP compliant · Zero PII

Fraud stops at the
application form.

Sphoro scores every loan applicant's device and behavior before your credit engine sees them. Claude-powered intelligence, real-time behavioral AI, and zero-PII fingerprinting — all behind a single API call.

Try live playground
0
Device signals / session
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SphoroShield rules
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ms avg response
sphoro — api response
AI-native architecture

Advanced intelligence. One API call.

Sphoro is engineered end-to-end on AI and behavioral science — from Claude-powered reasoning to real-time WebGL and AudioContext fingerprinting. Production-ready in hours, not sprints.

🤖Claude API
🧠Gradient Boosting ML
📦SphoroJS SDK
🔬Behavioral Analytics
🌐WebGL Fingerprinting
🎵AudioContext API
🖼️Canvas Fingerprinting
🔌REST / Webhooks
Claude-powered risk reasoning
Anthropic Claude API analyzes behavioral anomaly patterns and synthesizes natural-language fraud explanations alongside every score — giving your risk team instant audit trails.
Sub-5ms fingerprint pipeline
Canvas, WebGL, AudioContext, and font entropy signals are hashed client-side and streamed to the scoring engine. Zero raw PII ever leaves the browser.
SphoroAI — adaptive ML
GradientBoosting model continuously trained on your own PAID/DEFAULTED outcomes. Retrains weekly on new feedback signals. ml_score backfilled automatically.
Cloud-native, globally scalable
Containerised microservices on managed compute, distributed caching, encrypted model artifact storage, and hardware-backed secrets — deployed in ap-south-1 for sub-5ms latency across India.
Products

Five tools. One API key.

Every product ships as a REST endpoint. Score in <5ms, get 50+ named variables you pipe straight into your BRE.

🛡️SphoroScore
Real-time risk score 0–1000 from 65,000+ device signals and behavioral patterns. Integrates directly with your BRE or credit decision engine via a single REST call.
POST /v1/score
🪪SphoroID
Persistent cross-session device identity. Link returning fraudsters across applications even after cookie clearing. Stored in sphoro_device_identities table.
GET /v1/device/:id
⚡SphoroShield
30 built-in fraud rules — WEBDRIVER, EMULATOR, RAPID_FORM_FILL, ROBOTIC_MOUSE, PASTED_PAN — fire in parallel in <5ms. Add custom rules per lender via API.
Rule engine
🤖SphoroAI
GradientBoosting model trained on your own loan book. PATCH /v1/session/:id/outcome with PAID or DEFAULTED. Model retrains weekly. ml_score backfilled.
Python / sklearn
📊SphoroLens
Real-time analytics dashboard for your risk team. Session explorer, device intelligence, top flag trends, fraud P&L impact. Webhook delivery for HIGH/CRITICAL.
Dashboard
How it works

Score happens before submit.

SphoroJS runs silently while the applicant fills the form. By the time they hit submit, you already have a score.

📡
SDK collects
One <script> tag on your loan form. SphoroJS collects 65,000+ device + behavioral signals as the applicant types. Zero latency to your form.
⚙️
SphoroShield scores
On submit, signals POST to /v1/score. Thirty rules fire in parallel. SphoroAI model runs. Score 0–1000 returned with 50+ variables in <5ms.
✅
Your LOS decides
Score + risk level + flags flow into your loan service via webhook or API response. CRITICAL → hard block. HIGH → manual review. LOW → normal BRE flow. PATCH outcome to retrain SphoroAI.
Live playground

Score your own device right now.

SphoroJS is already running on this page, collecting signals. Fill the form, hit score — see exactly what your lenders see.

Demo loan application
Not a real form. No data submitted. Signal collection is live.
⚡ collecting now
session_time0s
keystrokes0
mouse_moves0
paste_events0
scroll_depth0%
🛡️
Score appears here after you run SphoroScore
collecting device signals
Pricing

Pay per session. No setup fees.

First 10,000 sessions free. Upgrade when you need more volume.

Starter
₹8 /session
up to 10,000 sessions / month
First 10,000 free — no card required
  • SphoroScore API
  • 30 SphoroShield rules
  • 50+ ML variables
  • SphoroLens dashboard
  • REST API + JS SDK
  • SphoroID device graph
  • SphoroAI custom model
  • Custom rules
Most popular
Growth
₹4 /session
up to 1,00,000 sessions / month
~₹4L/month · volume discounts available
  • Everything in Starter
  • SphoroID device graph
  • SphoroAI custom model
  • Webhook delivery
  • Custom rules per lender
  • Outcome feedback loop
  • Slack support
  • 99.9% SLA
Enterprise
Custom
Unlimited sessions
Volume pricing · dedicated model per brand
  • Everything in Growth
  • Dedicated SphoroAI per brand
  • VPC / on-premise deploy
  • 99.99% SLA
  • Dedicated engineer
  • VAPT support
  • Multi-brand LOS
  • 24/7 phone + Slack
Trusted by

Indian lenders who moved fast.

↓68%
Fraud applications
Average reduction in high-risk applications within 30 days of going live.
2 hrs
Integration time
From API key to scoring live traffic on your LOS backend — any language, any framework.
0 PII
Personal data collected
Only device signals and behavioral hashes. DPDP Act compliant from day one.
Ready when you are

Get your API key.
First 10,000 sessions free.

30-minute demo. We show you live fraud patterns from your product — and exactly what Sphoro would have stopped. No slides. No pitch deck.

Try playground first
sales@sphoro.com · Bengaluru 🇮🇳
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