Lendscope
A Fluxusforge product · Live for Quikkred & partners

Catch defaulters30 days early.

Lendscope ingests behavioral, device, and network signals from your customer app, then scores every loan 0–100 for pre-default risk — long before DPD.

10+ signals
pre-default detection
RBI aligned
DLG compliant
On-device hashing
PII never leaves
5-min integration
drop-in SDKs

Direct API key from ops? Use it here →

lendscope.fluxusforge.in/dashboard
live
Loans tracked
4,218
At risk (nudge+)
317
7.5% of book
Critical band
42
needs action
Signals · 24h
1,884
Critical-band loans
recomputed every snapshot
loan_98765
cust_12345
74
DPD 3
ENGAGEMENT_DROP · GEO_DRIFT
critical
loan_43210
cust_88421
63
DPD 0
NEW_DEVICE_OVERDUE · VPN_USAGE
urgent
loan_55101
cust_61119
56
DPD 1
OTHER_LENDING_APP_BURST
urgent
loan_22008
cust_30298
49
DPD 0
CONTACT_CHURN
nudge
loan_71033
cust_55012
43
DPD 0
NIGHT_OWL_OVERDUE
nudge
How it works

From signal to dispatch in under a second.

Drop-in SDKs, REST + webhooks. We sit between your customer app and your collection team.

01

SDK captures signals

@lendscope/web + @lendscope/react-native ship inside your customer app, capturing fingerprint, behaviour, network, location.

02

Ingest + enrich

Every snapshot is IP→ASN/VPN enriched, fingerprint-joined, and persisted with strict tenant isolation.

03

Score 0–100

10+ risk signals + DPD multiplier roll up into a per-loan score. Per-tenant thresholds set nudge / urgent / critical.

04

Dispatch

Band escalates → Lendscope fires a webhook into your stack (you keep your WhatsApp/SMS/email vendor accounts).

Signals

Ten signals that catch defaults early.

ENGAGEMENT_DROP
No app activity for 3+ days near due date
GEO_DRIFT
Current location 150+ km from home centroid
SIM_SWAP
IMSI changed on a known device
NEW_DEVICE_OVERDUE
Fresh device first-seen after due date
CONTACT_CHURN
Contact list dropped by more than half
UNINSTALL_HINT
No heartbeat for 5+ days
OTHER_LENDING_APP_BURST
3+ competing-lender SMS in 7 days
BETTING_APP
Fantasy / gambling app detected
GPS_SPOOFER
Mock-location app installed
NIGHT_OWL_OVERDUE
1am–5am bursts while overdue
Integrate

Five minutes from sign-up to first signal.

Web@lendscope/web
import { Lendscope } from '@lendscope/web';

await Lendscope.init({ apiKey: PUBLIC_KEY });
Lendscope.identify(user.id);
Lendscope.startSession(loan.id);
Mobile@lendscope/react-native
import { Lendscope } from '@lendscope/react-native';

await Lendscope.init({
  apiKey: PUBLIC_KEY,
  enableContacts: true,
  enableSms: true,
});
await Lendscope.identify(user.id);
BackendREST
POST /api/score/recompute
X-Lendscope-Key: SERVER_KEY

{ "customerId": "cust_12345",
  "loanId":     "loan_98765",
  "loanMeta":   { "dpd": 0,
                  "dueDate": "2026-06-30" } }
Webhookyour endpoint
POST https://your-lender.com/lendscope/warning
X-Lendscope-Signature: <hmac-sha256>

{ "kind": "whatsapp",
  "payload": { "loanId": "loan_98765",
               "band": "urgent",
               "score": 78 } }
Live on Lendscope
Quikkred
Satsai Finlease
MagnetPay
Security & Privacy

Aligned with RBI digital-lending guidelines.

We treat borrower data as evidence, not advertising fuel. Phone numbers are hashed on the device. SMS bodies are parsed server-side and dropped. Installed-app lists are categorised then forgotten. Every API key is tenant-scoped; every webhook is HMAC-signed.

HMAC webhooksTenant isolationOn-device hashingTLS 1.3IST quiet hoursMulti-key scoping
Phone hashing
SHA-256 on-device before upload. We never see raw numbers.
Tenant scoped
Every record carries tenantId. Cross-tenant reads are impossible.
Quota + rate limits
Per-tenant request caps + global rate limiter prevent SDK runaway.
Bring-your-own vendor
WhatsApp/SMS/email vendors stay yours. Lendscope only signals + signs.
FAQ

Common questions.

How is this different from a fraud-detection tool?
Fraud tools fire at application time. Lendscope tracks behaviour for the life of a loan — so we surface customers drifting toward default 30+ days before the first missed EMI.
Do you store raw phone numbers or SMS bodies?
No. Phone numbers are SHA-256 hashed on the device. SMS bodies are parsed server-side into structured fields (sender, amount, category) and the original body is dropped after parsing.
Do I have to migrate my WhatsApp / SMS / email vendor?
No. Lendscope sends webhooks into your stack — you keep your existing vendor accounts. We only handle scoring + dispatch routing.
Can I self-host?
Yes. The service ships as a Docker compose stack (Mongo + Redis + Fastify + workers + dashboard) plus Caddy for TLS. Point your SDK at a custom baseUrl.
What does it cost?
Trial tier is free with a 100,000 request/month quota. Paid tiers scale by request volume and signal depth. Talk to support@fluxusforge.in for pricing.

Ready to spot defaulters before DPD?

100,000 requests on us. No card. Onboard your first customer in 5 minutes.