About
Plum Identity is an AI-powered fraud prevention solution that uses behavioral analytics to validate identities at the time of application — entirely without Personally Identifiable Information (PII). It is the first identity validation solution built to government standards, making it uniquely suited for public-sector agencies and regulated industries that must balance strong fraud prevention with constituent privacy. The platform generates a risk score for every applicant by analyzing tens of thousands of behavioral and device data points. It automatically identifies stolen identities, synthetic identities, drop houses, disposable email addresses, bots, money mules, suspicious devices, and both foreign and domestic fraud organizations — all before a payment is processed. There is no facial recognition, no invasive public records check, and no exposure of sensitive personal data. Deployment is designed to be fast and frictionless: organizations can be fully operational in three lightweight steps with no consulting services, no training, and no coding. This makes Plum accessible to government programs, financial institutions, insurance providers, and any organization processing high volumes of applications where fraud risk is elevated. By surfacing fraudulent applicants early in the pipeline, Plum frees operations teams to focus entirely on serving legitimate constituents and customers. Its privacy-first architecture differentiates it from legacy identity verification approaches, while its government-grade standards and award-winning technology give enterprise clients confidence in its accuracy and compliance posture.
Key Features
- PII-Free Identity Validation: Validates applicant identities using behavioral analytics alone — never collecting, storing, or exposing Personally Identifiable Information.
- Behavioral Risk Scoring: Calculates a real-time risk score per applicant from tens of thousands of behavioral and device data points to flag high-risk submissions.
- Broad Fraud Detection Coverage: Identifies stolen and synthetic identities, bots, drop houses, disposable emails, money mules, suspicious devices, and organized fraud rings in a single pass.
- Government-Grade Standards: Built and certified to government standards, making it compliant and trusted for public-sector programs and regulated industries.
- No-Code, Three-Step Deployment: Organizations can be fully operational in three lightweight steps with zero coding, training, or consulting services required.
Use Cases
- Government agencies screening benefit or assistance program applications for synthetic and stolen identities before disbursing funds.
- Financial institutions validating new account or loan applications to intercept bot-driven and organized fraud at the point of submission.
- Insurance providers detecting drop houses and disposable email patterns in high-volume claims or enrollment flows.
- Healthcare or social services organizations protecting program integrity by identifying mules and suspicious devices in applicant pipelines.
- Any enterprise processing large volumes of online applications that needs privacy-preserving fraud prevention without invasive identity checks.
Pros
- Privacy-First Architecture: Eliminates PII exposure and invasive checks like facial recognition, protecting constituent privacy while still delivering strong fraud signals.
- Immediate Time-to-Value: No-code setup and no consulting dependencies mean organizations see results from day one without lengthy onboarding cycles.
- Comprehensive Threat Coverage: Detects a wide spectrum of fraud types — synthetic identities, bots, organized fraud organizations — in a single unified risk score.
- Pre-Payment Fraud Interception: Flags fraudulent applicants before any payment is disbursed, reducing financial exposure and downstream remediation costs.
Cons
- No Transparent Public Pricing: Pricing is not listed publicly; prospective customers must request a demo, which may slow evaluation for smaller teams.
- Primarily Enterprise and Government Focused: The solution is optimized for high-volume application pipelines in government and regulated industries, making it potentially over-engineered for small-scale use cases.
- Limited Self-Service Documentation: Public-facing technical documentation and integration guides are minimal, requiring direct engagement with the Plum team to assess fit.
Frequently Asked Questions
How does Plum Identity validate identities without using PII?
Plum uses behavioral analytics — analyzing device signals, interaction patterns, and thousands of other non-personal data points — to generate a risk score. It never requires or stores names, Social Security numbers, or other Personally Identifiable Information.
What types of fraud does Plum Identity detect?
Plum detects stolen identities, synthetic identities, drop houses, disposable email addresses, bots, money mules, suspicious devices, and both foreign and domestic fraud organizations, all at the time of application.
How long does it take to integrate Plum Identity?
Plum is designed for rapid deployment. Organizations can be up and running in three lightweight steps with no coding, no training, and no consulting services required.
Is Plum Identity compliant with government standards?
Yes. Plum Identity is the first identity validation solution built to government standards, making it well-suited for public-sector agencies and regulated industries with strict compliance requirements.
Does Plum Identity use facial recognition or public records checks?
No. Plum explicitly does not use facial recognition or public records checks. Its fraud signals come entirely from behavioral and device analytics, preserving constituent privacy throughout the process.
