Counterparty

Receiver 20

Id: cpty_sim_meri_bts0zmjm9td
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: 13

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

Signals

Signal	Weight	Detail
counterparty.unauthorized_returns	+40	drew 2 unauthorized return(s)
counterparty.unauthorized_rate	+15	unauthorized rate 2/20 above the network threshold
counterparty.return_rate	+15	return rate 2/20
counterparty.review_share	+10	75% in the review band
counterparty.new	+10	first seen 0d ago

Inputs

{
  "n": 20,
  "returns": {
    "any": 2,
    "unauthorized": 2
  },
  "scoredN": 20,
  "holdShare": 0,
  "hardSignal": false,
  "windowDays": 180,
  "countryCode": null,
  "reviewShare": 0.75,
  "concentration": 0.002486342144365459,
  "confidenceDecay": 1,
  "distinctEntities": 13,
  "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	14	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
wire_sim_meri_6h6ph810cb3	wire outgoing	$4,849.80	COMPLETED	50	review	1046	2026-09-15 01:00Z
acht_sim_meri_4ysoeg7c1a	ach outgoing DEBIT	$333.45	SETTLED	40	review	935	2026-09-08 02:41Z
acht_sim_meri_940ktx4hbvz	ach outgoing CREDIT	$317.91	SETTLED	40	review	864	2026-09-03 23:16Z
acht_sim_meri_b77s26b5but	ach outgoing CREDIT	$735.76	SETTLED	40	review	846	2026-09-02 21:12Z
acht_sim_meri_9wp6is4dbu9	ach outgoing CREDIT	$513.57	SETTLED	40	review	833	2026-09-02 00:36Z
acht_sim_meri_c5j8szdpbnt	ach outgoing DEBIT	$582.10	SETTLED	40	review	766	2026-08-28 04:29Z
acht_sim_meri_9gah06jbkr	ach outgoing CREDIT	$414.53	SETTLED	40	review	725	2026-08-26 01:49Z
acht_sim_meri_2w3cni8dbkf	ach outgoing DEBIT	$1,217.36	SETTLED	40	review	725	2026-08-26 01:44Z
acht_sim_meri_cgv5dtnhbku	ach outgoing CREDIT	$1,290.69	SETTLED	40	review	721	2026-08-25 23:33Z
acht_sim_meri_9otzgrabb50	ach outgoing DEBIT	$316.16	HOLD	45	review	533	2026-08-13 21:35Z
acht_sim_meri_2wzt3z1daze	ach outgoing CREDIT	$671.72	SETTLED	40	review	497	2026-08-10 01:18Z
acht_sim_meri_3w86fxwawk	ach outgoing CREDIT	$498.50	SETTLED	40	review	440	2026-08-06 21:41Z
acht_sim_meri_424ms5ioato	ach outgoing CREDIT	$364.15	SETTLED	40	review	414	2026-08-04 21:45Z
acht_sim_meri_1j434pb4ani	ach outgoing DEBIT	$302.86	MANUAL_REVIEW	15	clear	345	2026-08-01 00:39Z
acht_sim_meri_bmnldud4al7	ach outgoing DEBIT	$511.91	SETTLED	60	review	331	2026-07-30 03:52Z
acht_sim_meri_bcfithliaje	ach outgoing CREDIT	$315.90	SETTLED	0	clear	299	2026-07-28 05:18Z
acht_sim_meri_42vun564ah3	ach outgoing CREDIT	$1,077.31	RETURNED	40	review	278	2026-07-26 22:52Z
acht_sim_meri_49n5189sag0	ach outgoing CREDIT	$1,119.46	SETTLED	0	clear	256	2026-07-26 00:16Z
acht_sim_meri_2s6qlaqfa76	ach outgoing CREDIT	$686.74	RETURNED	0	clear	170	2026-07-20 05:35Z
acht_sim_meri_lj3y4yu9td	ach outgoing CREDIT	$380.86	COMPLETED	10	clear	31	2026-07-11 22:37Z

Alerts on this counterparty

Opened	Detector	Summary	Severity	Skoor	Route	Status
2026-09-17 19:31Z	counterparty_hold	Counterparty Receiver 20 entered the hold band (Skoor 90, n=14): counterparty.unauthorized_returns, counterparty.unauthorized_rate, counterparty.return_rate, counterparty.review_share, counterparty.new.	high	90 hold	reviewed	held