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Real-time phone antifraud: 50 ms, 12 signals

2026-05-22 · 8 min read

Most signup-fraud detection is reactive: bots register, drain your free credit, you find out next morning. Phone-reputation antifraud flips that around — you decide before you spend money sending the OTP at all.

We scrape 55+ public SMS-receive sites continuously and feed every message through a seven-stage NLP pipeline that extracts service name and OTP code. The result lands in a Neo4j graph: PhoneNumber nodes connected to Service nodes by OBSERVED_ON timestamp edges.

Twelve risk signals: public-board appearance, service diversity, category mix, cross-source presence, OTP volume, spam ratio, OTP-code collision rate, cluster membership, carrier line type, Telegram presence + age, geo inconsistency, composite risk score.

curl -H "X-API-Key: $KEY" https://sms-24.net/api/v1/lookup?number=+14155550132 returns risk_score, is_disposable, service_diversity, sources, services_used, cluster_tag, verdict — all in roughly 50 milliseconds.

Explainable: every flagged number ships with the list of signals that fired and their weights. We do NOT ingest private SMS, do NOT store OTP codes past 24h, do NOT ship a third-party tracker, do NOT resell user data.

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