Counterparty

Receiver 45

Id: cpty_sim_meri_6ppd81dfako
Program that added it: 48915275-d6d2-4068-8e62-f51a51f9da77
Country: —
Routing number: —
Account (last 4): —
First seen: 2026-09-17 19:30Z
Programs paying it: 1
Entities paying it: 4

Counterparty Risk Skoor Report →

Skoor

90n=5

Band

hold

Confidence

0.17

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

Signals

Signal	Weight	Detail
counterparty.unauthorized_returns	+40	drew 2 unauthorized return(s)
counterparty.unauthorized_rate	+15	unauthorized rate 2/5 above the network threshold
counterparty.return_rate	+15	return rate 2/5
counterparty.review_share	+10	60% in the review band
counterparty.new	+10	first seen 0d ago

Inputs

{
  "n": 5,
  "returns": {
    "any": 2,
    "unauthorized": 2
  },
  "scoredN": 5,
  "holdShare": 0,
  "hardSignal": false,
  "windowDays": 180,
  "countryCode": null,
  "reviewShare": 0.6,
  "concentration": 0.0007026786137167462,
  "confidenceDecay": 0.9777777777777777,
  "distinctEntities": 4,
  "distinctPrograms": 1,
  "firstSeenAgeDays": 0,
  "observationAgeDays": 34,
  "programsWithReturns": 1
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:31Z	90	hold	5	0.17	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_meri_98t13fw3c21	ach outgoing DEBIT	$489.34	SETTLED	40	review	936	2026-09-08 02:52Z
acht_sim_meri_app6i4p8b4x	ach outgoing CREDIT	$1,128.26	SETTLED	40	review	542	2026-08-13 22:01Z
acht_sim_meri_8suy85ctax4	ach outgoing DEBIT	$336.80	SETTLED	55	review	466	2026-08-08 03:18Z
acht_sim_meri_3i1nr1l3as3	ach outgoing CREDIT	$589.11	SETTLED	55	review	403	2026-08-04 04:31Z
acht_sim_meri_asm1hynwaqt	ach outgoing CREDIT	$1,023.21	RETURNED	0	clear	386	2026-08-03 04:02Z
acht_sim_meri_64de3re4ako	ach outgoing DEBIT	$800.48	RETURNED	10	clear	305	2026-07-28 21:53Z

Alerts on this counterparty

Opened	Detector	Summary	Severity	Skoor	Route	Status
2026-09-17 19:31Z	counterparty_hold	Counterparty Receiver 45 entered the hold band (Skoor 90, n=5): counterparty.unauthorized_returns, counterparty.unauthorized_rate, counterparty.return_rate, counterparty.review_share, counterparty.new.	high	90 hold	reviewed	held