Signal Capture
Device, behavioural, network, contact and SMS signals — ingested from your web and mobile app in real time. Drop-in SDKs, no data team required.
[ PRE-DEFAULT RISK INTELLIGENCE ]
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Lendscope unifies device, behavioural and network signals into one intelligence system, so lenders can act on a default 30–60 days before it happens.
/ about lendscope
Most platforms only react once a borrower goes days-past-due. By then the options narrow to collection calls. Lendscope catches the behavioural fingerprint of an upcoming default — engagement drops, SIM swaps, competing-lender SMS, contact-graph churn — and gives you a 30–60 day head start.
Pattern Engine
Ten scored conditions, weighted 8 to 30, plus up to 25 points of DPD. Who is about to default, and why — before the due date, not after it.
Action Layer
The band escalates and Lendscope fires a signed webhook into your stack. Nudge, urgent, critical — you keep your own WhatsApp, SMS and email vendors.
day 27 · engagement_drop · +18
The day nothing happens is the day something does.
No heartbeat from your app for three days, with the due date inside the window. The borrower has not missed a payment. There is nothing for a collections team to act on yet — which is exactly the point.
/ thirty days
An illustrative sequence, not a customer's data. The signal codes, the weights, the trigger conditions and the thresholds are exactly what riskScoringEngine.js runs in production. Nothing here is late: the whole escalation happens before the due date.
day 0030 days to duedpd 0
loan.disbursed—
₹40,000 over 30 days. The SDK is in your app; the first snapshot lands the same evening.
score 0
day 1911 days to duedpd 0
other_lending_app_burst+14
Three competing-lender SMS in seven days. This condition only fires while the loan is not overdue — its whole job is to warn you early.
score 14
day 228 days to duedpd 0
betting_app+12
A fantasy or gambling app appears in the installed-app scan.
score 26
day 273 days to duedpd 0
engagement_drop+18
No heartbeat from the app for three days, with the due date inside the three-day window.
score 44
day 291 day to duedpd 0
uninstall_hint+22
No heartbeat at all for five days. The borrower has most likely removed your app.
score 66
band change · nudge · webhook dispatched
After the due date the picture only gets worse — new_device_overdue, geo_drift, comm_avoidance and up to 25 points of DPD keep pushing it toward critical. But by then you are collecting, not preventing. Note that other_lending_app_burst stops contributing the moment the loan goes overdue: it exists to fire before.
day 29 · band change · webhook
Someone calls on day twenty-nine.
The webhook lands in your stack the moment the band changes. Who calls, on what channel and in what words stays yours — Lendscope only tells you which loan, which band, and which conditions fired.
/ the signals
gps_spooferA mock-location app is installed on the device.30
uninstall_hintNo heartbeat for more than five days.22
engagement_dropNo heartbeat for three days, within three days of the due date.18
new_device_overdueA device first seen after the due date.18
geo_driftLast known location more than 150 km from the home centroid, while overdue.15
other_lending_app_burstThree or more competing-lender SMS in seven days — fires only while the loan is not overdue.14
comm_avoidanceTwo or more channels blocked, while overdue.12
betting_appA fantasy or gambling app in the installed-app scan.12
overlay_appAn overlay app present with the due date under seven days out.10
night_owl_overdueMore than five sessions between 01:00 and 05:00 in a week, while overdue.8
Weights are the values in the engine. · marks a condition that can fire before the loan is overdue. Further signals are written as records by the device and SMS services and carry their own weights.
[ a fluxusforge product · 2026 ]
Lendscope®
/ how it works:
early warning for modern lending books.
Every open loan is rescored on each snapshot. Weighted conditions sum into a 0–100 number, plus up to 25 points of DPD, measured against per-tenant thresholds — nudge at 60, urgent at 75, critical at 85. A band change leaves as an HMAC-signed webhook into your own stack.
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