The entity's first transfer, $654.07, above the program median, came 0.0 hours after verification.

What happened. A rapid_onboarding detector fired on the first transfer for entity enti_sim_harb_3ijt1t3u3xa under the Harbor Marketplace Payouts program. The transfer, an outgoing ACH credit of $654.07, settled and occurred 0.0 hours after the entity's verification, which is above the 24-hour threshold used by the detector and above the program's median transfer amount of $463.32. What the evidence shows. The transfer status is SETTLED with no return code, indicating no processing failure. The entity is VERIFIED, not flagged high risk, not PEP, and has no review reasons on file, with screening dated 2026-06-27. The transfer-level score is unscored (skoor null, band unscored, n=4, confidence null), so no scored risk signal supports or contradicts the alert. Hard signal is false. Prior dispositions for this entity: none. The counterparty's country is unknown, which is a data gap but not itself an adverse finding since no return code or dispute is present. What was checked. Program declared volume ($4,000,000.00/month) and rails (ach, realtime, US) against the single transfer amount; verification timestamp against transfer creation timestamp; entity risk flags (high risk, PEP, review reasons); transfer settlement status and return code; scoring band and sample size (n=4); prior dispositions. What is recommended. No funds are pending action since the transfer already settled. Given the entity is verified with no adverse risk flags, no return code, and no prior disposition history, there is no indication of a problem requiring intervention on this single transfer. However, the scoring is unscored with only n=4 observations and the counterparty country is unknown, so confidence in ruling this out entirely is limited. Close this alert, but note the thin scoring basis for the record.

{
  "n": 4,
  "band": "unscored",
  "skoor": null,
  "typology": "rapid_onboarding",
  "confidence": null,
  "thresholds": {
    "hours": 24
  },
  "medianCents": "46332",
  "routeReason": "detector not auto-closable",
  "hoursSinceVerification": 0
}