Counterparty

Receiver 85

Id: cpty_sim_harb_5p4yfvh5vq
Program that added it: 898ba6ad-5b42-42fd-be7b-2afc9d52af5b
Country: —
Routing number: —
Account (last 4): —
First seen: 2026-09-17 19:30Z
Programs paying it: 1
Entities paying it: 3

Counterparty Risk Skoor Report →

Skoor

90n=3

Band

hold

Confidence

0.14

Version

crs-v1

Scored 2026-09-17 19:31Z.

Top reasons

#	Reason	Signal	Weight	Detail
1	CRS-RET-01 The counterparty has drawn unauthorized returns.	`counterparty.unauthorized_returns`	+40	drew 1 unauthorized return(s)
2	CRS-RET-02 The counterparty's unauthorized return rate is above the network threshold.	`counterparty.unauthorized_rate`	+15	unauthorized rate 1/3 above the network threshold
3	CRS-RET-03 The counterparty's return rate is above five percent.	`counterparty.return_rate`	+15	return rate 1/3

Signals

Signal	Weight	Detail
counterparty.unauthorized_returns	+40	drew 1 unauthorized return(s)
counterparty.unauthorized_rate	+15	unauthorized rate 1/3 above the network threshold
counterparty.return_rate	+15	return rate 1/3
counterparty.review_share	+10	67% in the review band
counterparty.new	+10	first seen 0d ago

Inputs

{
  "n": 3,
  "returns": {
    "any": 1,
    "unauthorized": 1
  },
  "scoredN": 3,
  "holdShare": 0,
  "hardSignal": false,
  "windowDays": 180,
  "countryCode": null,
  "reviewShare": 0.6666666666666666,
  "concentration": 0.0003527097960410213,
  "confidenceDecay": 1,
  "distinctEntities": 3,
  "distinctPrograms": 1,
  "firstSeenAgeDays": 0,
  "observationAgeDays": 9,
  "programsWithReturns": 1
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:31Z	90	hold	3	0.14	crs-v1
2026-09-17 19:30Z	null	unscored	1	null	crs-v1

Limits at this band

The ladder is policy data: these are the caps for a counterparty in the hold band, and the re-screen cadence. A bank sets its own numbers; these are the defaults.

Per transaction: $0.00
Per day: $0.00
Per month: $0.00
Re-screen every: 7 days

What unlocks the next band

From hold to review: shed 21 points. At review the caps become $10,000.00 per transaction, $50,000.00 per day, $500,000.00 per month.

Signal to clear	Points	Hard	What it means
counterparty.unauthorized_returns	40		The counterparty has drawn unauthorized returns.

Transfers with this counterparty (tenant-wide)

Transfer	Rail	Amount	Status	Skoor	Band	n	Created
acht_sim_harb_88l6fgei9i7	ach outgoing CREDIT	$463.88	SUBMITTED	40	review	2237	2026-09-16 22:18Z
acht_sim_harb_6row4jod8rh	ach outgoing CREDIT	$532.12	SETTLED	40	review	1959	2026-09-07 23:08Z
acht_sim_harb_46as69326zx	ach outgoing DEBIT	$567.47	SETTLED	40	review	1222	2026-08-17 02:55Z
acht_sim_harb_2clxnyi95vq	ach outgoing DEBIT	$928.87	RETURNED	25	clear	745	2026-08-02 04:05Z

Alerts on this counterparty

Opened	Detector	Summary	Severity	Skoor	Route	Status
2026-09-17 19:31Z	counterparty_hold	Counterparty Receiver 85 entered the hold band (Skoor 90, n=3): counterparty.unauthorized_returns, counterparty.unauthorized_rate, counterparty.return_rate, counterparty.review_share, counterparty.new.	high	90 hold	reviewed	held