Counterparty

Receiver 21

Id: cpty_sim_harb_b3trqxlu3zb
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: 18

Counterparty Risk Skoor Report →

Skoor

90n=22

Band

hold

Confidence

0.41

Version

crs-v1

Scored 2026-09-17 19:32Z.

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 1/22 above the network threshold
3	CRS-RET-03 The counterparty's return rate is above five percent.	`counterparty.return_rate`	+15	return rate 2/22

Signals

Signal	Weight	Detail
counterparty.unauthorized_returns	+40	drew 1 unauthorized return(s)
counterparty.unauthorized_rate	+15	unauthorized rate 1/22 above the network threshold
counterparty.return_rate	+15	return rate 2/22
counterparty.review_share	+10	50% in the review band
counterparty.new	+10	first seen 0d ago

Inputs

{
  "n": 22,
  "returns": {
    "any": 2,
    "unauthorized": 1
  },
  "scoredN": 20,
  "holdShare": 0,
  "hardSignal": false,
  "windowDays": 180,
  "countryCode": null,
  "reviewShare": 0.5,
  "concentration": 0.0017776881014839926,
  "confidenceDecay": 1,
  "distinctEntities": 18,
  "distinctPrograms": 1,
  "firstSeenAgeDays": 0,
  "observationAgeDays": 3,
  "programsWithReturns": 1
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:32Z	90	hold	22	0.41	crs-v1
2026-09-17 19:31Z	80	hold	15	0.31	crs-v1
2026-09-17 19:30Z	null	unscored	2	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_5upwyni799v	ach outgoing CREDIT	$196.82	SETTLED	40	review	2168	2026-09-14 03:42Z
acht_sim_harb_bii7379i98y	ach outgoing CREDIT	$232.04	SETTLED	40	review	2164	2026-09-14 01:22Z
acht_sim_harb_6s2z66e691f	ach outgoing CREDIT	$542.94	SETTLED	55	review	2038	2026-09-10 20:16Z
acht_sim_harb_bqvthyet8rk	ach outgoing DEBIT	$790.57	SETTLED	40	review	1955	2026-09-07 22:32Z
acht_sim_harb_6sw0baiq9ku	ach outgoing CREDIT	$434.51	SETTLED	40	review	1931	2026-09-07 13:46Z
acht_sim_harb_1hf8vhg68h3	ach outgoing DEBIT	$614.25	SETTLED	40	review	1817	2026-09-04 02:29Z
acht_sim_harb_2uuousyo86p	ach outgoing CREDIT	$352.65	RETURNED	40	review	1675	2026-08-30 21:04Z
acht_sim_harb_3dcolxmx72i	ach outgoing DEBIT	$260.69	SETTLED	40	review	1211	2026-08-16 23:26Z
acht_sim_harb_9169jkqk6gz	ach outgoing CREDIT	$196.26	SETTLED	40	review	973	2026-08-09 00:28Z
acht_sim_harb_bbslsie66g	ach outgoing DEBIT	$628.36	SETTLED	40	review	834	2026-08-04 22:57Z
acht_sim_harb_4u4do18n60i	ach outgoing DEBIT	$636.67	SETTLED	40	review	787	2026-08-03 20:33Z
rttr_sim_harb_bsmklx4p5jr	realtime outgoing	$934.69	COMPLETED	0	clear	535	2026-07-27 23:00Z
acht_sim_harb_4b86h4my58z	ach outgoing CREDIT	$750.81	SETTLED	0	clear	491	2026-07-25 04:36Z
acht_sim_harb_3u6zkong561	ach outgoing CREDIT	$754.64	SETTLED	0	clear	469	2026-07-24 05:10Z
acht_sim_harb_7fjwvhq522	ach outgoing DEBIT	$240.16	SETTLED	0	clear	393	2026-07-22 03:56Z
acht_sim_harb_nfx75g04sv	ach outgoing CREDIT	$429.69	SETTLED	0	clear	289	2026-07-19 03:57Z
acht_sim_harb_932wypjc4m2	ach outgoing DEBIT	$614.21	RETURNED	0	clear	234	2026-07-17 04:49Z
acht_sim_harb_3rzc6lw24n6	ach outgoing CREDIT	$531.53	COMPLETED	0	clear	226	2026-07-17 00:34Z
acht_sim_harb_bmgqv5t344o	ach outgoing CREDIT	$675.29	COMPLETED	0	clear	67	2026-07-11 23:29Z
acht_sim_harb_cdz9zbn41z	ach outgoing DEBIT	$378.99	COMPLETED	0	clear	50	2026-07-11 05:51Z
acht_sim_harb_c2hb6tao40j	ach outgoing CREDIT	$700.06	COMPLETED	0	clear	36	2026-07-10 23:37Z
acht_sim_harb_8cm0rze3zb	ach outgoing CREDIT	$411.96	COMPLETED	null	unscored	13	2026-07-10 02:03Z

Alerts on this counterparty

Opened	Detector	Summary	Severity	Skoor	Route	Status
2026-09-17 19:31Z	counterparty_hold	Counterparty Receiver 21 entered the hold band (Skoor 80, n=15): counterparty.unauthorized_returns, counterparty.unauthorized_rate, counterparty.return_rate, counterparty.new.	high	80 hold	reviewed	held