Entity velocity spiked: 4 transfers and $29,183.89 in 24 hours.

What happened. A ach outgoing debit transfer of $9703.25 (acht_sim_harb_2pfr31bu9kc) on program Harbor Marketplace Payouts (simulated) was flagged by detector velocity_spike: Entity velocity spiked: 4 transfers and $29,183.89 in 24 hours.. What the evidence shows. Transaction Risk Skoor 65 (band hold). Signals: amount.gt_10x_median (+20), velocity.sum_24h_gt_2x_daily_avg (+10), structuring.pattern (+35, hard). Entity Harbor Marketplace Payouts: verification VERIFIED, PEP no, high risk no. What was checked. Program KRIs as of the latest snapshot: frozen_accounts ok, hold_aging_hours unmeasured, overdraft_events ok, manual_review_rate ok, card_fraud_declines unmeasured, pep_flagged_entities watch, velocity_vs_declared unmeasured, stale_screening_share ok, high_risk_entity_share watch, reserve_coverage_ratio ok, ach_overall_return_rate ok, verification_denial_rate ok, manual_review_aging_hours breach, ach_unauthorized_return_rate ok, sanctioned_country_transfers ok, ach_administrative_return_rate ok, counterparty_concentration_top1 ok. No prior dispositions on this entity or counterparty. What is recommended. Recommended: hold. A person decides; this draft was assembled from the evidence without a model (model call failed).

{
  "n": 526,
  "band": "hold",
  "skoor": 65,
  "signals": [
    {
      "code": "velocity.sum_24h_gt_2x_daily_avg",
      "detail": "24h sum above 2× the program daily average",
      "weight": 10
    }
  ],
  "autoHold": true,
  "routeReason": "detector not auto-closable"
}