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ALLOWdec_84290 · 132ms
Sarah Williams
Account creation · New rider account · iOS · United States
Confidence
98%
Risk score
8 / 100
Decision explanation
Identity, device, and payment signals are mutually consistent.
The account passed every active onboarding policy with strong source agreement.
Positive signals
Government ID verified
Selfie match: 99.1%
Device first-party history: 3.2 years
Payment name match
Risk signals
Residential proxy detected — low confidence
Correlation insightPersona, device intelligence, and the cardholder record independently resolved to the same identity.
Policy evaluation
New Account Verification
Version v2.8 · Published by Identity & Access
policy.rule
IF identity.verified = true
AND device.confidence > 90
AND risk.score < 20
THEN allow
$8,000
amount
0.2 hrs
device age
87
risk score
Events timeline
What happened before this decision
Unified from first-party events and connected vendors
Signup started
iPhone 15 Pro · iOS 18
Phone verified
Carrier tenure · 4.1 years
Identity verified
Persona · ID + selfie
Payment method added
Name and billing match
Trust decision generated
Allow · 98% confidence · 132ms