Stronger authentication through real-time network intelligence
Identity verification that works before fraud does.
Fraud has adapted to the simplicity of one-time passwords. Techniques such as phishing, SIM swapping, OTP flooding and social engineering have exposed structural weaknesses in SMS-based authentication, increasing risk for both customers and enterprises.
SingVerify addresses this by moving beyond SMS-based methods. It leverages real-time signals from Singtel’s mobile network to support authentication decisions. These signals are derived from attributes associated with the mobile line and SIM, enabling verification to occur in the background without user intervention.
SingVerify is a suite of five Telco APIs, built and operated by Singtel, Singapore's largest mobile network operator.
Each API addresses a distinct fraud risk. Use one where you need it most, or deploy the full suite for comprehensive, layered protection.
Number Verify
<p>Verifies a user's phone number seamlessly through Singtel's network. No OTPs, no codes, no interruptions. Authentication completes silently in the background so users can continue their journey without a hitch.</p>
Device Location
<p>Verifies whether the customer's mobile device was physically near the point of activity. Detects location-based fraud that digital-only systems cannot identify. </p>
Scam Sniffer
<p>Detects when a user is actively in contact with a suspected scammer. Enables real-time intervention during high-risk activity. Exclusive to Singtel. Available only in Singapore. </p>
SIM Swap
<p>Detects recent SIM changes associated with a mobile number in near-real-time. Provides an immediate risk signal to help prevent OTP-based account takeover before it occurs.</p>
Device Roaming
<p>Verifies whether a device is connected to an overseas carrier network using carrier-grade telco signals. Delivers more reliable location context than IP-based method alone. </p>
See SingVerify in action
Six scenarios. Six real fraud risks. One platform.
Banking and financial services
API: Scam Sniffer and SIM Swap
A customer is on the phone with a scammer,
and about to authorise a transfer.
How SingVerify helps
When the transaction is triggered, Scam Sniffer API assesses whether the mobile line is engaged in a call with a number associated with known or suspected fraud patterns. Where risk indicators are present, the bank can pause the transaction or trigger an in-app alert before funds are released.
Outcome
Fraud risk is identified at the point of transaction, enabling timely intervention before funds leave the account.
An attacker performs a SIM swap to gain control of a customer’s mobile number and intercept SMS-based authentication.
How SingVerify helps
SIM Swap API evaluates in real time whether the SIM associated with the mobile number has changed recently. A recent change, combined with a high-risk transaction, can trigger step-up authentication or transaction controls based on the bank’s risk policies.
Outcome
The risk of account takeover via SIM swap is reduced through early detection and adaptive controls.
Retail and e-commerce
API used: Number Verify
A new user abandons registration due to delays or friction associated with OTP delivery.
How SingVerify helps
Number Verify API enables silent verification of the user’s mobile number through network-based signals. No OTP is required, allowing the user to remain within the application flow without switching screens.
Outcome
Registration friction is reduced, supporting improved completion rates and more efficient customer acquisition
Payments and fintech
API used: Device Location
Stolen credentials are used to initiate a payment from a location inconsistent with the customer’s usual activity.
How SingVerify helps
Device Location API uses network-derived signals to assess whether the mobile device is in proximity to the transaction context. Where a location inconsistency is detected, the transaction can be flagged for further review or step-up authentication based on the organisation’s risk policies.
Outcome
Potentially fraudulent transactions are identified earlier, enabling intervention before payment completion.
Call centres and customer service
API used: Number Verify
An agent relies on knowledge-based questions that a fraudster may already be able to answer.
How SingVerify helps
Number Verify API enables silent verification of whether the caller’s mobile number is associated with the account on record. This can be performed early in the interaction to inform authentication flows and reduce reliance on knowledge-based questions.
Outcome
Caller verification is streamlined, reducing dependence on personal data checks and supporting a more secure and efficient customer interaction.
Media, OTT and financial services
API used: Device Roaming
A login attempt originates from an overseas IP address, raising uncertainty about whether the user is genuinely abroad.
How SingVerify helps
Device Roaming API assesses in real time whether the mobile device is connected to a foreign carrier network. Where the device is not roaming but the IP address indicates an overseas origin, this inconsistency can be used as a risk signal to inform further authentication or monitoring.
Outcome
Anomalous login activity is identified earlier, enabling additional controls where risk indicators are present.
title_and_subtitle
Banking and financial services
API: Scam Sniffer and SIM Swap
Retail and e-commerce
API used: Number Verify
Payments and fintech
API used: Device Location
Call centres and customer service
API used: Number Verify
Media, OTT and financial services
API used: Device Roaming
Why enterprises choose SingVerify
Built on mobile network intelligence that extends beyond conventional software-based approaches.
01
Network-derived signals, not device-dependent data
SingVerify draws on real-time signals from Singtel's mobile network. These signals are tied to the SIM and cannot be fabricated by an attacker.
02
Security without user interruption
Every API runs silently in the background. Your customers experience no OTP prompts, no extra screens, and no friction.
03
Fraud stopped in real time
SingVerify provides network-based signals during key events such as logins and payments, enabling organisations to apply controls before transactions are completed.
04
Privacy and compliance by design
Data usage is minimised and aligned with applicable regulatory requirements in Singapore, supporting enterprise governance and risk frameworks.
05
Standards-based API integration
APIs are delivered via standard REST interfaces and are designed to integrate with existing authentication and risk systems. Implementation timelines vary depending on system complexity.
06
Operated by a leading regional telco
SingVerify is developed and operated by Singtel, supporting enterprises, financial institutions and public sector organisations across Singapore and the region.
Ready to build a stronger line of defence?
Talk to a Singtel enterprise specialist and find the right combination of SingVerify APIs for your business.
SingVerify is part of Singtel's CPaaS portfolio, available to enterprises, fintechs, financial institutions, and government-linked organisations in Singapore.
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