Counterparty

Receiver 23

Id: cpty_sim_harb_gzii64r41f
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: 15

Counterparty Risk Skoor Report →

Skoor

90n=20

Band

hold

Confidence

0.38

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 5 unauthorized return(s)
2	CRS-RET-02 The counterparty's unauthorized return rate is above the network threshold.	`counterparty.unauthorized_rate`	+15	unauthorized rate 5/20 above the network threshold
3	CRS-RET-03 The counterparty's return rate is above five percent.	`counterparty.return_rate`	+15	return rate 5/20

Signals

Signal	Weight	Detail
counterparty.unauthorized_returns	+40	drew 5 unauthorized return(s)
counterparty.unauthorized_rate	+15	unauthorized rate 5/20 above the network threshold
counterparty.return_rate	+15	return rate 5/20
counterparty.review_share	+10	95% in the review band
counterparty.new	+10	first seen 0d ago

Inputs

{
  "n": 20,
  "returns": {
    "any": 5,
    "unauthorized": 5
  },
  "scoredN": 20,
  "holdShare": 0,
  "hardSignal": false,
  "windowDays": 180,
  "countryCode": null,
  "reviewShare": 0.95,
  "concentration": 0.0015855890134929091,
  "confidenceDecay": 1,
  "distinctEntities": 15,
  "distinctPrograms": 1,
  "firstSeenAgeDays": 0,
  "observationAgeDays": 2,
  "programsWithReturns": 1
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:32Z	90	hold	20	0.38	crs-v1
2026-09-17 19:31Z	90	hold	15	0.30	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_a4lvg1oi9il	ach outgoing CREDIT	$813.78	MANUAL_REVIEW	55	review	2249	2026-09-17 02:04Z
acht_sim_harb_bf6tm9ql9dw	ach outgoing DEBIT	$283.14	SETTLED	40	review	2215	2026-09-15 03:36Z
acht_sim_harb_163of21a8xt	ach outgoing CREDIT	$876.21	SETTLED	40	review	2013	2026-09-09 22:39Z
acht_sim_harb_6ou18exe8gi	ach outgoing DEBIT	$643.53	SETTLED	55	review	1805	2026-09-03 23:35Z
acht_sim_harb_b13qgy5w8f0	ach outgoing CREDIT	$702.25	SETTLED	40	review	1766	2026-09-02 20:55Z
acht_sim_harb_cm7rd5oo7py	ach outgoing DEBIT	$360.31	SETTLED	40	review	1487	2026-08-24 21:25Z
acht_sim_harb_6ymkowyg6w3	ach outgoing DEBIT	$472.21	SETTLED	40	review	1134	2026-08-14 20:34Z
acht_sim_harb_283jcx2q6tm	ach outgoing CREDIT	$766.95	RETURNED	40	review	1115	2026-08-14 00:12Z
acht_sim_harb_31maepxd6pt	ach outgoing CREDIT	$214.37	RETURNED	40	review	1087	2026-08-13 01:26Z
acht_sim_harb_9bel40wn6h2	ach outgoing DEBIT	$288.08	SETTLED	40	review	967	2026-08-08 23:24Z
acht_sim_harb_7stsmku969z	ach outgoing CREDIT	$401.45	SETTLED	55	review	906	2026-08-07 03:52Z
acht_sim_harb_augndnlr62c	ach outgoing CREDIT	$692.99	RETURNED	40	review	804	2026-08-04 02:46Z
acht_sim_harb_8alkktt95o7	ach outgoing CREDIT	$716.79	SETTLED	40	review	644	2026-07-30 02:37Z
acht_sim_harb_56nj34rz5bv	ach outgoing DEBIT	$264.41	SETTLED	40	review	505	2026-07-25 23:02Z
acht_sim_harb_3zig14nb545	ach outgoing DEBIT	$427.04	SETTLED	40	review	411	2026-07-23 01:05Z
acht_sim_harb_5w7xjv4x52k	ach outgoing CREDIT	$370.95	MANUAL_REVIEW	55	review	376	2026-07-22 05:06Z
acht_sim_harb_6qqfz33g50n	ach outgoing CREDIT	$866.60	SETTLED	40	review	392	2026-07-22 04:23Z
acht_sim_harb_63czg4a54ua	ach outgoing DEBIT	$582.68	RETURNED	40	review	300	2026-07-19 20:16Z
acht_sim_harb_am5dsxxb4po	ach outgoing CREDIT	$829.07	COMPLETED	40	review	263	2026-07-18 05:13Z
acht_sim_harb_5e7ozfuc4r0	ach outgoing CREDIT	$229.42	COMPLETED	40	review	253	2026-07-18 00:51Z
acht_sim_harb_a44159na41f	ach outgoing CREDIT	$298.73	RETURNED	10	clear	50	2026-07-11 05:06Z

Alerts on this counterparty

Opened	Detector	Summary	Severity	Skoor	Route	Status
2026-09-17 19:31Z	counterparty_hold	Counterparty Receiver 23 entered the hold band (Skoor 90, n=15): counterparty.unauthorized_returns, counterparty.unauthorized_rate, counterparty.return_rate, counterparty.review_share, counterparty.new.	high	90 hold	reviewed	held