Know the Borrower Before You Fund the Borrower
Valid8 delivers real-time bank account, identity, and behavioral intelligence that helps lenders verify faster, stop fraud early, and fund with confidence.
Products > Valid8 Bank
Valid8 is Tekambi’s real-time bank and identity validation engine, built to give lenders a clearer, more predictive look at payment risk long before a borrower reaches underwriting or funding.
Why Lenders Need Valid8
Powered by live transaction behaviors, account stability indicators, and multi-factor identity checks, Valid8 helps lenders:
Verify Applicants Instantly
IN SECONDS
Categorize & Score Risk in
5 LEVELS
Reduce Fraud more than
20%
Improve First Payment Default (FPD) performance
+17%
Detect Fraud & Synthetic Identities
INSTANTLY
The Valid8 Toolkit
Predictive Scoring (1–5 Risk Tier)
Valid8 categorizes risk with an intuitive 1–5 system. This gives lenders fast, data-backed clarity.
1 = invalid/blacklisted information
2 = high-severity return codes
3 = high account velocity
4 = identity mismatches
5 = other verified concerns
Multi-Factor Verification
Smart verification across SSN, bank account, RTN, and identity elements in one automated check.
Invalid/blacklisted SSNs flagged instantly
Blacklisted or non-returnable routing numbers
Structural anomalies that signal fraud
Bank Account Stability & Behavioral Intelligence
Live banking insights deliver a more accurate view of repayment capability.
NSF return history
Account-level risk factors
Patterns linked to early defaults
Fraud Detection & Synthetic Identity Prevention
Stop high risk leads and propspects BEFORE they enter your pipeline.
SSNs tied to ≥5 bank accounts in 180 days
Aggressive account velocity mapping
Name, SSN, and account mismatches
How Valid8 Fits into your Borrower Journey
Valid8 isn’t just a check. It’s an intelligence layer that enhances every stage of the borrower journey:
Lead
Acquisition
Filter out high-risk applicants the moment they enter your system. Reduce lead waste & improve ROI.
Accurate
Underwriting
Give your decision engine cleaner, more trustworthy input data. Use that info to make sharper decisions
Fraud
Prevention
Spot synthetic IDs, mismatched accounts, duplicate identities, and other fraud markers early.
Borrower Quality
Optimization
Align funding with unique risk tiers to reduce default rates and improve predictability patterns.
Operate with greater speed, accuracy, and confidence.
The Valid8 Scoring Framework
A fast, simple, powerful way to evaluate risk.
What Lenders Gain with Valid8
This gives lenders a fast, simple, powerful way to evaluate risk.
HIGHER
QUALITY
APPROVALS
FEWER
NSF RETURNS
& FPDs
LESS FRAUD
EXPOSURE TO
YOUR BUSINESS
LOWER
ACQUISITION COST
PER FUNDED LEAD
ACCURATE UNDERWRITING DECISIONS
GREATER
CONFIDENCE
AT SCALE
SITE LINKS
SISTER LINKS
FOLLOW TEKAMBI
