Most insurers and lenders still price risk with the same data they always have: bureau score, registration history, declared information at onboarding. These sources answer a single question: who was this customer in the past?
Zarv ID answers the right question: what is the actual risk of this customer right now — even without prior history?
What is Zarv ID?
Zarv ID is Zarv's risk scoring and identity intelligence solution. It was built specifically for auto/P&C insurers and vehicle lenders — it's not generic KYC, not a bureau, not a credit score. It's a claims, fraud, and default risk score, calibrated for the realities of insurance and vehicle credit markets.
How it works
Identity verification
Document verification, facial biometrics with liveness detection, deepfake and document tampering detection, synthetic identity detection, and cross-reference against high-risk profile databases.
Graph Intelligence
Each individual is analyzed in the context of their relationship network — not in isolation. The graph detects fraud clusters: if a person has ties to multiple flagged profiles, their score rises even without a personal negative history. Sophisticated fraudsters always pass individual checks. What exposes them is the network around them.
Behavioral scoring without prior history
Works for drivers with no prior policy or credit history — eliminating the refusal or overpricing of populations treated as unknown risk.
Initial pricing recommendation
Not just a score — a premium range recommendation, integrated via API with the existing pricing engine, at under 150 ms average latency.
Why it's not a bureau
Bureaus deliver static historical data. Zarv ID delivers behavioral and relational intelligence in real time. A customer with a clean bureau score can be a fraudster with a network of straw men. A customer with no credit history can be an excellent risk with consistent informal income. The bureau can't distinguish between them. Zarv ID can.
What happens after the contract is signed
Verification at the door is a snapshot. Risk keeps moving once the contract is signed. That's why Zarv ID feeds Zarv Signal, which monitors customer and asset behavior for the life of the policy or loan — and what monitoring and investigation learn flows back to calibrate the next score.
Know the risk before you price it. Request a Zarv ID demo.