A payslip, a bank statement or an ID can be fabricated in minutes with a phone and a free tool - generated, not edited, so forensics find nothing. CapSeal seals borrower evidence at upload. Fabricated files never fund. Genuine borrowers approve days faster.
The documents underwriting relies on are exactly the documents AI fakes best - internally consistent, correctly formatted, and free of editing artefacts, because they are generated rather than edited. The fraud does not show up in a fraud column. It shows up as credit losses at first default.
Built bottom-up for a digital lender writing 40,000 applications a year - using a fabrication rate well below the published 1-in-10 paystub figure, so the number is defensible, not promotional.
The borrower submits income, ID and statements in your origination flow or broker portal, sealed at source.
On-device signing for captured documents; provenance checks for third-party files.
Tamper and generation-artefact checks run; a proof object attaches to the file.
Attested files fast-track. Unverified files route to your normal review - never auto-declined.
Two touchpoints on the process you already run - documents sealed at upload, a verdict attached at assessment. Every outcome lands back in your LOS with the proof stored on the loan file. Paper and branch applications route to your normal review, exactly as today.
The seal rests on Apple and Google's silicon and bank-grade cryptography. Verifiable by anyone. Producible only by CapSeal.
The phone's security chip - the same silicon your banking app trusts - proves a real device captured the evidence. Injected files and emulators are refused at capture.
The sealing and anti-spoofing engine is CapSeal's alone, adversarially hardened. The proofs it emits are verifiable by your own team.
Every decision carries a cryptographic proof your auditors, AFCA or a court can independently re-check - years later, without calling us.
Two things at the moment of capture - hardware attestation and a provenance seal - make the evidence impossible to fabricate. A generated payslip has no origin to prove.
One origination channel, one success metric agreed up front, measured on your applications - not ours.