Bytes - Overview and Guide
Comprehensive module that empowers businesses to leverage alternative data for identity verification, fraud detection, and financial decision-making.
Introduction
This guide provides an in-depth overview of Decentro's Bytes module, designed to empower businesses across finance, lending, insurance, and compliance sectors by harnessing alternative data.
The module offers a suite of APIs that facilitate identity verification, credit assessment, and data mapping, thereby enhancing customer onboarding, fraud detection, and regulatory compliance processes.
1. Mobile to X Suite of APIs
Enables retrieval of diverse data types associated with a mobile number, enhancing identity verification and fraud detection.
The Mobile to X suite allows businesses to access various data points linked to a customer's mobile number.
This capability is instrumental in verifying identities, developing alternative scoring models, detecting fraud, and completing KYC processes efficiently.
| API | Description | Use Case Example |
|---|---|---|
| Mobile to PAN | Retrieves the PAN number linked to a mobile number. | Lending: Instantly fetch a potential borrower's PAN to expedite KYC during onboarding. |
| Mobile to Name | Fetches the registered name associated with a mobile number. | Fraud Detection: Confirm that the provided name matches official records to prevent identity fraud. |
By integrating these APIs, businesses can streamline customer verification processes, reduce fraud, and enhance overall operational efficiency.
2. ID Converter Suite of APIs
Facilitates seamless mapping between various identification forms, aiding in compliance and fraud prevention.
The ID Converter suite enables businesses to interlink different forms of identification, simplifying processes such as compliance checks, fraud detection, and customer onboarding.
| API | Description | Use Case Example |
|---|---|---|
| PAN to GSTIN | Retrieves the GSTIN associated with a PAN number. | Tax Compliance: Verify a vendor's GST registration to ensure tax compliance. |
| PAN to Udyam | Retrieves the Udyam number using PAN information. | MSME Verification: Confirm the Udyam registration of a small business applying for a loan. |
| PAN to Mobile & Email | Fetches the mobile number and email associated with a PAN. | KYC Completion: Obtain missing contact details during account creation to complete KYC processes. |
| RC to Chassis Number | Retrieves the chassis number linked to a vehicle's registration certificate (RC). | Insurance: Validate vehicle details before issuing a policy to ensure accurate coverage. |
Implementing these APIs assists businesses in maintaining accurate records, ensuring compliance, and preventing fraudulent activities.
3. Credit Bureau
Provides comprehensive credit reports and demographic data pull, essential for assessing creditworthiness and identity validation.
The Credit Report API offers access to detailed credit information and demographic data pull, supporting informed decision-making in financial services.
| Feature | Description | Use Case Example |
|---|---|---|
| Credit Report | Provides a detailed credit report, including credit score and outstanding liabilities. | Loan Approval: Assess a customer's creditworthiness to make informed lending decisions. |
| Data Pull | Pull the Demographic data of users that was reported to Credit Bureau | Fraud Prevention: Ensure the authenticity of identity documents to prevent fraudulent account creation. |
Utilizing this API enables financial institutions to evaluate risk accurately and comply with regulatory standards.
4. Alternate Data Suite
Offers access to non-traditional data sources for a holistic view of customer profiles, enhancing decision-making.
The Alternate Data Suite allows businesses to gather supplementary data linked to a user's mobile number, such as social profiles, phone tenure, and device intelligence.
This information enriches customer profiles, aiding in more accurate assessments and personalized service offerings.
| Feature | Description | Use Case Example |
|---|---|---|
| Social Profile Data | Retrieves social media profiles associated with a mobile number. | Marketing: Tailor marketing strategies based on a customer's social media presence and activity. |
| Phone Tenure | Provides the duration of ownership of the mobile number. | Credit Assessment: Use phone tenure as an alternative data point to evaluate customer stability. |
| Device Intelligence | Offers insights into the device associated with the mobile number. | Fraud Detection: Identify potential fraud by analyzing device information for inconsistencies. |
Incorporating this API assists businesses in making data-driven decisions, improving customer engagement, and mitigating risks.
5. Beacon – Discover New Businesses Before Anyone Else
Uncover Fresh, High-Intent Business Leads Every Day
Beacon is an intelligent lead-sourcing platform that delivers verified, high-intent corporate and business leads straight to your team — powered by multiple sources.
With it, you gain early access to newly registered companies and the key decision-makers behind them — helping you connect first, build relationships early, and stay ahead of the competition.
Why Beacon?
In a world where timing defines opportunity, Beacon ensures your sales and marketing teams are always the first to know when a new company is born.
Whether your goal is to sell financial products, SaaS solutions, or B2B services, Beacon enables you to reach newly incorporated businesses while they are actively setting up operations and open to new partnerships.
What You Get?
- Fresh Business Leads, Daily : Tap into a continuously updated stream of entities from official sources.
- Verified Entity Details: Access comprehensive company profiles — including business name, registration data, industry, and location.
- Director & Key Signatory Contacts: Gain direct access to the contact details of company directors or authorised signatories, empowering precise and impactful outreach.
Who Uses Beacon?
Beacon is trusted by:
- B2B Sales Teams – to discover and engage high-intent prospects first.
- Financial Institutions – to offer banking, insurance, or lending products to new businesses.
- SaaS & Service Providers – to connect with startups and SMEs looking for operational tools.
- Channel Partner Managers – to identify and onboard new partners as soon as they register.
The Beacon Advantage
- First-Mover Access – Identify and engage new businesses before your competitors.
- Verified, High-Quality Data – Sourced directly from government-verified datasets.
- Precision Targeting – Reach decision-makers, not generic contacts.
- Actionable Intelligence – Empower your outbound strategy with reliable, structured data delivered daily.
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Use Case Examples for the Entire Bytes Module
- Loan Origination and Underwriting: Financial institutions can utilize the Mobile to X and Credit Report APIs to swiftly verify applicant identities and assess creditworthiness, reducing approval times and enhancing customer satisfaction.
- Fraud Prevention: The ID Converter and Alternate Data APIs enable businesses to cross-reference identification information and analyze alternative data sources, effectively detecting and preventing fraudulent activities during customer onboarding.
- Regulatory Compliance: By leveraging the Credit Report and ID Converter APIs, organizations can ensure adherence to regulatory requirements, maintaining accurate records and facilitating seamless audits.
Updated 6 days ago