Behavioral risk score
A risk score built from how a person behaves — mobility, stability, ties and usage — rather than only from the credit history they happen to have accumulated.
87% accuracy, drawing on more than 200 sources in under 150 ms.
A traditional credit score answers a question about the past: who this person was while borrowing. A behavioral score answers a different one: how they act now. Those are not the same question, and the second is the one that predicts loss and default in people who have not built a history yet.
In practice that means reading signals a bureau does not collect — movement patterns, employment stability, consistency between the identities a person presents, ties to other records. Zarv ID composes over 200 such sources and returns a result in under 150 ms at 87% accuracy, which is what makes it usable inside the approval flow rather than in a report someone reads later.
It is worth separating this from a homonym. "Behavioral" also describes device biometrics — typing rhythm, cursor movement, device signals — read at the moment of a transaction to catch a bot or an account takeover. That is useful, and it is a different thing: the signal lasts seconds, inside one session. The behavior Zarv ID reads is physical and lasts the whole contract — where someone moves, what ties they hold, how they use the asset. One answers who is on the other side of the screen right now; the other, what risk this person carries over the next twelve months.
The practical consequence is that behavior is observable from day one, instead of only once a contract starts going wrong.