Survives cookie clears, browser changes, and incognito mode. Device signals persist for months — not the 7-day window of a browser cookie.

Surface device signals shared across multiple loan applications, credit accounts, and identity checks — the fingerprint of a serial fraudster.

Detect whether a claimed new device has applied for BNPL credit elsewhere. Stop fraud before the first payment rather than after the first default.

Score every login session against known-bad device signals. Flag credential stuffing attacks at the device level, not the IP level.