property keys and contract
Deepfake protection for loan documents

Lend on documents that can lie
prove themselves.

A payslip, a bank statement or an ID can be fabricated in minutes with a phone and a free tool - generated, not edited, so forensics find nothing. CapSeal seals borrower evidence at upload. Fabricated files never fund. Genuine borrowers approve days faster.

$12.9M
fraud loss avoided per year, 40k-application digital lender
1 in 10
paystubs supplied to lenders is fake
Days
off time-to-yes for attested genuine files
108x
annual impact vs total CapSeal cost
Start a 60-day pilot See the numbers
The problem, in the industry's own numbers

Income and document fraud went generative

The documents underwriting relies on are exactly the documents AI fakes best - internally consistent, correctly formatted, and free of editing artefacts, because they are generated rather than edited. The fraud does not show up in a fraud column. It shows up as credit losses at first default.

$9.2B
US auto-lending fraud exposure; ~43% from income and employment misrepresentation
POINT PREDICTIVE 2025
1 in 10
paystubs supplied to US lenders is fake - rising three straight years
INDUSTRY SURVEY 2025
$1B+
suspected AI-document loan fraud uncovered at one major Australian bank
REPORTED 2026
5x
growth in AI-generated document fraud in a single year
INDUSTRY RESEARCH 2025
The shift

From document forensics to document provenance

Today

  • Doctored payslips and statements clear serviceability and pass OCR
  • Synthetic documents leave no editing artefacts for forensics to find
  • Fraud surfaces only at first default, after funding
  • Manual document review slows every genuine borrower
  • No provenance record behind responsible-lending decisions

With CapSeal

  • Fabricated income and ID files caught before funding, not at default
  • Evidence must prove its origin - generated documents cannot
  • Attested files advance straight to fast approval
  • Underwriters focus on credit judgment, not pixel inspection
  • Every decision carries a replayable provenance proof
The money

The losses are 108 times the cost of stopping them

Built bottom-up for a digital lender writing 40,000 applications a year - using a fabrication rate well below the published 1-in-10 paystub figure, so the number is defensible, not promotional.

Annual fraud losses vs CapSeal cost

Fabricated-document files stopped before funding
Avoided $12.9M CapSeal $0.12M 108x Digital lender - 40k applications/yr - USD

How the number is built

Every haircut applied, every step shown
Applicationsper year
40,000
Sealed at originationx 70% digital channel share
28,000
Fabricated income or ID filesx 3% - vs 1-in-10 paystub rate published
840
Caught before fundingx 85% prevention effectiveness
714
Fraud loss avoided714 x $18,000 avg early-default loss
$12.9M / yr

Net annual impact by origination volume

Same model, same haircuts - the mechanism scales linearly
$12.8M $32.0M $80.1M 40k applications - digital lender 100k - multi-product 250k - major lender
Impact figures are fraud losses avoided net of CapSeal platform and per-file fees. Full model, assumptions and cited sources in the CapSeal lending industry brief.
How it works

Four steps, inside the origination flow you already run

STEP 01

Capture

The borrower submits income, ID and statements in your origination flow or broker portal, sealed at source.

STEP 02

Seal

On-device signing for captured documents; provenance checks for third-party files.

STEP 03

Verify

Tamper and generation-artefact checks run; a proof object attaches to the file.

STEP 04

Decide

Attested files fast-track. Unverified files route to your normal review - never auto-declined.

Inside your origination workflow

Where CapSeal sits in the loan lifecycle

Two touchpoints on the process you already run - documents sealed at upload, a verdict attached at assessment. Every outcome lands back in your LOS with the proof stored on the loan file. Paper and branch applications route to your normal review, exactly as today.

YOUR PROCESS • STAGE 1 Application submitted Borrower uploads income, ID and statements in your origination flow CAPSEAL: documents sealed at upload YOUR PROCESS • STAGE 2 Docs & underwriting File assessed in your LOS or origination platform as normal CAPSEAL: verdict attached to file ATTESTED-GENUINE Fast-track Straight to approval - days off time-to-yes UNVERIFIED Normal doc review Your existing checks, unchanged. Never auto-declined. TAMPERED / SYNTHETIC Held for fraud team Funding stopped; fraud team gets the file with proof attached YOUR PROCESS • STAGE 3 Funding & audit Every outcome lands back in your origination system. The proof object is stored with the loan file - replayable for responsible-lending audit, dispute or regulator review, years later, without calling CapSeal. INTEGRATION FOOTPRINT Runs beside your LOS and broker portals - an SDK at document upload and one API call at assessment. No origination-platform migration. Paper and branch applications simply route as unverified.
Why the verdict holds

The seal rests on Apple and Google's silicon and bank-grade cryptography. Verifiable by anyone. Producible only by CapSeal.

HARDWARE

Attested at the source

The phone's security chip - the same silicon your banking app trusts - proves a real device captured the evidence. Injected files and emulators are refused at capture.

PROPRIETARY

Our engine, your proof

The sealing and anti-spoofing engine is CapSeal's alone, adversarially hardened. The proofs it emits are verifiable by your own team.

AUDIT-READY

Responsible lending, provable

Every decision carries a cryptographic proof your auditors, AFCA or a court can independently re-check - years later, without calling us.

How it works, in one picture

The mechanism behind the seal

Two things at the moment of capture - hardware attestation and a provenance seal - make the evidence impossible to fabricate. A generated payslip has no origin to prove.

STEP 1 Capture Photo taken in your app STEP 2 Seal Locked on the device STEP 3 Verify Seal + spoof checks STEP 4 Decide Pay / review / reject INSIDE THE SEAL Hardware attestation Apple and Google's own security chips prove a real, un-tampered phone and camera took the photo. Did a real camera see a real scene? + Provenance The photo is cryptographically bound to device, time and place. Change one pixel and it breaks. Can this photo prove its own origin? = Sealed evidence A photo that carries its own proof. Deepfakes can't produce it. Verifiable by anyone, without trusting us. Genuine claims pass and pay instantly. Fabricated evidence never gets a seal.
The offer

Prove it on your own book in 60 days

One origination channel, one success metric agreed up front, measured on your applications - not ours.

ScopeOne product line, digital origination channel
Duration60-90 days
IntegrationSDK drop-in + one verify API call - days, not quarters
Success metricAgreed up front: fast-track rate and fraud files caught pre-funding
Your borrowerNothing new to learn - same flow, same portal
PricingPlatform floor + per-file-verified - full schedule on scoping call
pilots@capseal.ai sales@capseal.ai