Predictive risk scoring on every verification
An intelligent score combining all verification signals to give you a clear view of each person's risk level.
What feeds the score?
Credit history
Integrated buró and círculo de crédito scores.
Judicial records
Federal and state criminal proceedings.
Sanctions lists
OFAC, EU, UN and 10+ international sources.
Digital footprint
Online presence, social media and public records.
How does it work?
Run verifications
Every tool you use generates signals that feed the score.
The model calculates
Our engine weighs all signals and generates a score from 0 to 100.
Make decisions
Use the score to approve, reject or escalate to manual review.
curl -X POST https://api.singula.mx/v1/risk/score \
-H "Authorization: Bearer sk_live_..." \
-d '{"customer_id": "cus_lzk9m4ab3f"}'
→ {
"score": 18,
"level": "low",
"signals": {
"credit_score": 750,
"judicial": "clear",
"blacklist": "clear",
"digital_footprint": "consistent"
},
"recommendation": "approve",
"confidence": 0.94
}Score from 0 to 100
Easy to interpret. Low = low risk. High = high risk.
Multi-source
Combines signals from all Singula tools.
Configurable thresholds
Define your own approval and rejection thresholds.
Evolves with data
The model improves as it processes more verifications.
Credit bureau as an input to our risk engine
Singula is the identity and KYC platform for the B2B sector in Mexico. Our customers — proptechs, fintechs and commercial businesses — delegate risk evaluation of their end users to us. We query Círculo de Crédito directly as part of our engine, on people who have given consent.
Singula is the registered "User"
We contract the Círculo API directly. This is not a resale model: we are our customers' risk evaluator.
Internal query, no exposure
The score/report feeds our decision engine. The raw data never leaves our infrastructure.
Consolidated signal to the customer
Your customer receives a decision: approve, review or reject — not the raw bureau report.
Consent anchored to KYC
Bureau consent is captured inside the same biometric + INE flow the holder already signs.