Now in Beta — Vehicle Finance Fraud Detection

Catch fraud before
it catches you

AI-powered fraud detection for vehicle finance. Submit an application via API — get a risk score, reason codes, and evidence pack in seconds. No changes to your existing systems.

Free sandbox access. No credit card required. First API call in under 5 minutes.

POST /v1/fraud/applications
curl -X POST https://api.thynkguard.com/v1/fraud/applications \
  -H "Authorization: Bearer tg_live_yourorg_..." \
  -H "Content-Type: application/json" \
  -d '{
    "applicant": {
      "id_number": "8501015800088",
      "income_declared": 45000,
      "employer": "Acme Corp"
    },
    "vehicle": {
      "make": "Toyota", "model": "Hilux",
      "year": 2024, "purchase_price": 550000
    },
    "dealer": { "id": "DLR-001" }
  }'
Response — 201 Created (4.2s)
{  "risk_score": 72,
  "risk_tier": "high",
  "decision_recommendation": "route_to_investigation",
  "reason_codes": [    { "code": "DOC_INCONSISTENCY_001", "severity": "high",
      "description": "Declared income inconsistent with deposits" }
  ],
  "confidence": 0.89}
< 10s
Scoring latency (p95)
0.92+
AUC-ROC accuracy
99.9%
API uptime SLA
5 min
Time to first API call

Four intelligence modules. One API.

Start with fraud scoring. Expand to dealer analytics, asset monitoring, and depreciation AI.

Live

Fraud Scoring

Submit a finance application — get a risk score (0-100), reason codes, and auto-generated evidence pack. OCR extraction, cross-document consistency checks, and entity linkage all in one call.

Phase 2

Dealer Intelligence

Monitor submission patterns at the dealership level. Rush pattern detection, affordability normalisation, override tracking, and peer-group risk ranking.

Phase 3

Asset Monitoring

Post-disbursement lifecycle defence. Telemetry ingestion, mobility risk tracking, geofence alerting, and early delinquency signals.

Phase 3

Depreciation AI

AI-driven residual value forecasting for the South African vehicle market. Scenario analysis for mileage, region, and macro conditions.

Live in 5 minutes

Zero changes to your existing systems. Bolt ThynkGuard onto any LOS with a single REST call.

1

Sign up and get your sandbox key

Create an account. Your sandbox API key is generated instantly — no approval process.

2

Submit a test application

POST to /v1/fraud/applications with applicant, vehicle, and dealer data. Use our pre-built test scenarios.

3

Get a risk score in seconds

Receive a 0-100 risk score, risk tier (low/medium/high), reason codes with evidence, and an auto-generated evidence pack.

4

Go live

Switch from tg_test_ to tg_live_ keys. Same API, same response format. ThynkGuard sits as middleware — no changes to your LOS.

Start free. Scale as you grow.

All plans include sandbox access, documentation, and email support.

Starter

Free during beta

Core fraud scoring for smaller lenders.

  • Fraud scoring API
  • 100 req/min
  • Sandbox environment
  • Email support (48h)
  • 99.5% uptime SLA
Start Free
Most Popular

Professional

Contact us

Full intelligence suite for growing institutions.

  • Everything in Starter
  • Dealer Intelligence
  • Depreciation AI
  • 500 req/min
  • All SDKs
  • Priority support (8h)
  • 99.9% uptime SLA
Get in Touch

Enterprise

Custom

Full platform with investigation workspace and custom deployment.

  • Everything in Professional
  • Asset Monitoring
  • Investigation Workspace
  • Custom rate limits
  • Dedicated CSM
  • Hybrid / Private Cloud
  • 99.95% uptime + SLA credits
Contact Sales

Ready to close the fraud gap?

Get your sandbox API key in 60 seconds. Submit your first test application in 5 minutes. No meetings, no procurement — just an API call.