FinAGG/ Products/ SKIP Tracing
08 · COLLECTIONS · v 0.9 · BETA

Find the borrower without breaking DPDP.

A graph agent that reconciles EPFO, RoC, mobile-network, e-commerce and address signals into a current-location estimate — all using consent-based or publicly-available sources, with a full provenance trail for the compliance team.

● BETA · 11 PARTNERS
SourcesEPFO · RoC · MoCA · telco · e-com
Match rate · DPD 90+68%
Address freshnessmedian 47 d
Legal basisconsent + legitimate interest
Audit log7y · immutable
A TRACE
§ 01

An address graph, not a guess.

Each edge is a verifiable signal with a timestamp and a source. The collections agent sees the trail before they pick up the phone.

subject · APP-99412 · DPD 92 · last contact + 71d
resolved · conf 0.84
TIMELINE
FEB '24 onboarded · address Koramangala, BLR · phone 98••• ·1234
AUG '25 ↳ EPFO · employer change · TCS → Flipkart
OCT '25 ↳ Telco · primary SIM ported · new circle (KA → KA)
JAN '26 ↳ RoC · new directorship · 5 km from Whitefield
MAR '26 ↳ e-com · 8 deliveries to Whitefield in 30d
NOW delta-addr · Whitefield, BLR · conf 0.84
DERIVED CONTACT
primary addrWhitefield, BLR · 560066 confidence0.84 alt addrKoramangala (stale) phone (verified)98••• ·1234 · active phone (new)99••• ·8821 · prob 0.91 employerFlipkart Internet directorshipAurum Logistics LLP · 2 mo
// COMPLIANCE
All 5 signals derived from sources with lawful basis (consent / legitimate interest under DPDPA §7). Source IDs and timestamps in audit log · trace AUD-7C92.
// 01

Lawful sources only.

No scraping personal accounts, no dark-web data. Public registers, telco partners under consent, and your own internal CRM.

// 02

Confidence-graded.

Every trace returns a confidence band. Collections only acts on traces above your policy threshold.

// 03

Provenance, end-to-end.

Every signal cited with source + timestamp. Compliance can defend any contact to a regulator.

// 04

Field-team handoff.

Routes the trace into your collections platform with a map view, suggested time-of-visit and call priority.

Find them. Lawfully.

Beta is open only to licensed lenders with an active collections desk. DPA + SCC required.