Most insurers and lenders still price risk with the same data they always have: bureau score, registration history, declared information at onboarding. These sources answer a single question: who was this customer in the past?
Zarv ID answers the question that matters for the decision: what is this customer's actual risk right now, even without prior history?
What is Zarv ID?
Zarv ID is Zarv's risk scoring and identity intelligence solution. It was built for auto/P&C insurers and vehicle lenders. It delivers a claims, fraud, and default risk score calibrated for the realities of insurance and vehicle credit markets, which sets it apart from generic KYC or a bureau credit score.
How it works
Identity verification
Document verification, facial biometrics with liveness detection, deepfake and document tampering detection, synthetic identity detection, and high-risk profile screening.
Graph Intelligence
Each individual is analyzed in the context of their relationship network. Sophisticated fraudsters tend to pass individual checks. What the isolated file hides, the network around it reveals.
Behavioral scoring without prior history
Works for drivers with no prior policy or credit history, which avoids refusing or overpricing populations treated as unknown risk.
Initial pricing recommendation
Beyond the score, Zarv ID returns a premium range recommendation, integrated via API with the existing pricing engine, at under 150 ms average latency.
Why it goes beyond a bureau
Bureaus deliver static historical data. Zarv ID delivers behavioral and relational intelligence in real time. A customer with a clean bureau score can be a fraudster with a network of straw men. A customer with no credit history can be an excellent risk with consistent informal income. The bureau can't tell them apart. Zarv ID can.
What happens after the contract is signed
Verification at the door is a snapshot, and risk keeps moving once the contract is signed. That's why Zarv ID feeds Zarv Signal, which monitors customer and asset behavior for the life of the policy or loan. What monitoring and investigation learn flows back to calibrate the next score.
Conclusion
Know the risk before you price it. Book a Zarv ID demo.