SpyCloud, a leader in identity threat protection, announced on August 26, 2025, the launch of its Consumer IDLink solution, an API-driven platform designed to empower financial institutions and consumer-facing organizations to reduce fraud and prevent account takeovers. By leveraging proprietary identity matching analytics, Consumer IDLink unifies fragmented identity exposures from breaches, malware, and phishing attacks, providing a comprehensive view of consumer risk.
SpyCloud unveils Consumer IDLink API to unify identity exposure data.
Solution targets financial institutions to prevent fraud and account takeovers.
Correlates 800B+ credentials across 60,000+ breach sources and 80+ malware families.
Boosts data richness by 2.6X and credential pairs by nearly 3X.
Enables early detection of compromised users and synthetic identities.
Part of SpyCloud’s Consumer ATO Prevention suite for seamless integration.
Unlike traditional credential-checking tools, Consumer IDLink adopts a holistic identity approach, revealing a consumer’s complete exposure across their online personas. SpyCloud’s research shows the average individual has 18 unique usernames and 237 darknet-exposed records, often scattered across unrelated sources like breaches, infostealer malware, and phishing campaigns. "Fraud prevention starts with knowing exactly what criminals know," said Damon Fleury, SpyCloud’s Chief Product Officer. "Consumer IDLink gives financial institutions the power to see what traditional tools miss: the complete picture of a consumer’s exposure across dark web data."
Consumer IDLink dynamically correlates over 800 billion credentials and PII from more than 60,000 breach sources, 80+ malware families, and numerous phishing kits. By analyzing shared identifiers like emails, usernames, passwords, and phone numbers, it builds a unified view of identity risk. This enables early detection of compromised users and proactive intervention, minimizing fraud without disrupting legitimate customers.
Data from the top 100 US financial institutions highlights Consumer IDLink’s impact:
2.6X Data Richness: Increases average records per exposed user from 12 to over 33, enhancing risk assessment.
Nearly 3X Credential Pairs: Boosts credential pairs (username/email and password combinations) from 6 to 16, identifying more vulnerabilities.
Proactive Intervention: Supports automated workflows for password resets and step-up authentication, preventing fraud before it occurs.
These capabilities allow organizations to detect compromised consumers, assess portfolio risk, and uncover exposures from malware and phishing, not just breaches, preserving brand trust and reducing financial losses.
As part of SpyCloud’s Consumer ATO Prevention product within the Consumer Risk Protection suite, Consumer IDLink delivers high-volume, flexible APIs that integrate with existing security, fraud, and risk management tools. This ensures organizations can operationalize the world’s largest repository of recaptured identity data to protect users from login to transaction, minimizing manual processes and enhancing efficiency.
SpyCloud’s Consumer IDLink sets a new standard for identity threat protection, empowering financial institutions to stay ahead of cybercriminals. By unifying fragmented identity data and enabling proactive fraud prevention, the solution strengthens security, preserves customer trust, and supports scalable risk management in an evolving threat landscape.
About SpyCloud
SpyCloud transforms recaptured darknet data to disrupt cybercrime. Its automated identity threat protection solutions leverage advanced analytics and AI to proactively prevent ransomware and account takeover, detect insider threats, safeguard employee and consumer identities, and accelerate cybercrime investigations. SpyCloud's data from breaches, malware-infected devices, and successful phishing also powers many popular dark web monitoring and identity theft protection offerings. Customers include seven of the Fortune 10, along with hundreds of global enterprises, mid-sized companies, and government agencies worldwide. Headquartered in Austin, TX, SpyCloud is home to more than 200 cybersecurity experts whose mission is to protect businesses and consumers from the stolen identity data criminals are using to target them now.
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