Bureau Alternate Data is a risk intelligence product that evaluates users' digital footprints using non-PII signals to assess credibility, detect fraud, and support credit decisioning. The product collects and analyzes signals across multiple dimensions including email, phone number, IP address, app usage, social data, browsing behavior, and behavioral patterns. These signals are used to generate dynamic risk scores and evaluate user credibility without relying on traditional financial data. Key scoring outputs include: - Affluence Scores: Assess creditworthiness for new-to-credit or thin-file applicants to support credit underwriting decisions. - Mule Scores: Real-time scores designed to detect money mule activity and flag accounts associated with money laundering. The product is designed to detect disposable and synthetic accounts at the point of onboarding, reduce reliance on manual fraud review processes, and support contextual risk decisioning powered by machine learning models. It is positioned for use across industries including financial services, fintech, crypto, eCommerce, gaming, marketplaces, and online dating. Use cases include account takeover protection, promo abuse prevention, bot detection, onboarding, credit underwriting, location spoofing detection, and KYC/KYB workflows. Bureau states the product complies with regional and global data privacy regulations and uses only non-PII signals. It is part of Bureau's broader unified risk decisioning platform.