// Risk Scoring
Fracture Score™
How Osapher calculates entity risk from live registry signals.
Overview
The Fracture Score™ is Osapher's proprietary entity risk metric. It is calculated at verification time from live registry data and returned in every verification response.
Scores range from 0 (no risk signals detected) to 100 (maximum risk). A score of 0 does not mean the entity is guaranteed to be legitimate — it means no registry-level risk signals were detected at the time of verification.
The Fracture Score™ is a data infrastructure tool. It does not constitute legal advice or replace your organisation's own compliance obligations. Always consult your legal and compliance advisors.
Risk signals
Three signals contribute to the Fracture Score:
| Signal | Points | Condition |
|---|---|---|
| Inactive Registration | +60 | ABN or NZBN status is not Active |
| Complex Entity Structure | +20 | Entity type is Trust or Partnership |
| No GST Registration | +10 | Company or Trust without GST registration |
Signals are additive and capped at 100. The maximum possible score is 90 (60 + 20 + 10).
Score bands
| Score | Band | Recommended action |
|---|---|---|
| 0 – 20 | low | Proceed with standard onboarding |
| 21 – 50 | medium | Review recommended before onboarding |
| 51 – 80 | high | Enhanced due diligence required |
| 81 – 100 | critical | Do not onboard without legal review |
Fracture signals array
The fractureSignals array in the verification response lists each signal that contributed to the score:
{
"fractureSignals": [
{
"type": "inactive_registration",
"severity": "high",
"field": "abnStatus",
"registryValue": "Cancelled",
"detectedValue": "Cancelled",
"description": "ABN registration is not active"
}
]
}Limitations
- Fracture Score is calculated from registry data only — it does not incorporate credit history, adverse media, or court records
- A score of 0 does not guarantee an entity is legitimate
- Registry data may lag behind real-world events by hours or days
- Osapher is not affiliated with the Australian Business Register, AUSTRAC, or the New Zealand Companies Office