The entity's first transfer, $2,146.15, above the program median, came 0.0 hours after verification.

What happened. The rapid_onboarding detector fired on entity Lantern Lending's first transfer, an outgoing ACH credit of $2,146.15, which posted 0.0 hours after the entity's verification completed. The amount is above the program's median transfer size of $1,265.56. The transfer has already settled. What the evidence shows. The transfer is a single first-time event (n=1) with an unscored band and no skoor confidence value. Signals attached are counterparty.first_time and counterparty.first_time_and_large, both consistent with a first transaction rather than any confirmed adverse finding. The entity is BUSINESS-type, VERIFIED, not high risk, not PEP, with no open review reasons and a screening date of 2026-05-20. The counterparty's country is unknown, and there is no return code on the transfer; status is SETTLED. Program KRIs show frozen_accounts, overdraft_events, stale_screening_share, high_risk_entity_share, and verification_denial_rate all in the 'ok' or 'watch' range with sufficient sample size (n=2 or n=33); several other KRIs (hold_aging_hours, manual_review_rate, velocity_vs_declared, reserve_coverage_ratio, ach return rates, sanctioned_country_transfers, counterparty_concentration_top1) are unmeasured (n=0), so no broader pattern can be confirmed or ruled out from those fields. Prior dispositions: none. What was checked. Reviewed the alert evidence block, the transfer record, the entity verification and risk status, program declared volume, program KRI panel, and prior disposition history. No hard signal is set on this alert, and the route reason recorded is 'detector not auto-closable' rather than any specific derogatory finding. What is recommended. The transfer has already settled, so a hold or release is not applicable. Given the entity is verified with no high-risk or PEP flags, no adverse screening reasons, no return code, and the KRI panel shows no elevated program-level risk in the measured fields, the alert does not present evidence requiring further action beyond confirming this is the entity's baseline first-transaction pattern. Because several KRIs are unmeasured (n=0) and the counterparty's country is unknown, a reviewer may wish to confirm counterparty identity before final closure, but nothing in the record compels escalation or holding funds already settled.

{
  "n": 1,
  "band": "unscored",
  "skoor": null,
  "typology": "rapid_onboarding",
  "confidence": null,
  "thresholds": {
    "hours": 24
  },
  "medianCents": "126556",
  "routeReason": "detector not auto-closable",
  "hoursSinceVerification": 0
}