Entity · BUSINESS

Harbor Marketplace Payouts

Id: enti_sim_harb_kytao1m3ti
Program: 898ba6ad-5b42-42fd-be7b-2afc9d52af5b
Verification: VERIFIED
High risk: no
PEP: no
Requires screening: no
Review reasons: —
Last screened: 2026-07-15 06:54Z
Country: US
Expected rails: ach, realtime

Entity Risk Skoor Report →

Skoor

0n=46

Band

clear

Confidence

0.95

Version

ers-v1

Scored 2026-09-17 19:32Z.

Signals

No signals fired.

Inputs

{
  "n": 46,
  "alerts": {
    "opened": 7,
    "clearedByPerson": 0,
    "heldOrEscalated": 2
  },
  "returns": {
    "any": 0,
    "unauthorized": 0
  },
  "scoredN": 44,
  "holdShare": 0.09090909090909091,
  "pepStatus": "no",
  "hardSignal": false,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0.06818181818181818,
  "velocityRatio": 1.8143087621742282,
  "confidenceDecay": 1,
  "screeningAgeDays": 64,
  "observationAgeDays": 4,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 31
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:32Z	0	clear	46	0.95	ers-v1
2026-09-17 19:31Z	0	clear	23	0.66	ers-v1
2026-09-17 19:30Z	null	unscored	0	null	ers-v1

Limits at this band

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

Per transaction: $100,000.00
Per day: $500,000.00
Per month: $10,000,000.00
Re-screen every: 90 days

What unlocks the next band

Already in the clear band: the widest caps on the ladder. Staying there means none of the signals above return.

Transfers

Transfer	Rail	Amount	Status	Skoor	Band	n	Created
acht_sim_harb_7hp5x4fz9i9	ach outgoing CREDIT	$210.64	SUBMITTED	10	clear	2249	2026-09-17 01:54Z
acht_sim_harb_9qyu4ytt9bb	ach outgoing CREDIT	$507.36	SETTLED	40	review	2170	2026-09-14 03:53Z
acht_sim_harb_1t6460l695e	ach outgoing CREDIT	$210.91	SETTLED	0	clear	2116	2026-09-12 20:57Z
acht_sim_harb_867faxvd93l	ach outgoing CREDIT	$768.64	SETTLED	0	clear	2087	2026-09-12 00:11Z
acht_sim_harb_9oo3no9o8vm	ach outgoing DEBIT	$212.45	SETTLED	0	clear	2000	2026-09-09 01:19Z
acht_sim_harb_323d3hwi9k0	ach outgoing DEBIT	$9,526.72	SETTLED	55	hold	1968	2026-09-08 02:38Z
acht_sim_harb_89wj4vha9jx	ach outgoing DEBIT	$9,151.01	SETTLED	55	hold	1950	2026-09-07 21:38Z
acht_sim_harb_cai2ngo09ju	ach outgoing DEBIT	$9,478.45	SETTLED	20	clear	1949	2026-09-07 16:38Z
acht_sim_harb_59wpbpcb9jr	ach outgoing DEBIT	$9,787.59	SETTLED	20	clear	1929	2026-09-07 11:38Z
acht_sim_harb_a40lxku18my	ach outgoing CREDIT	$345.03	SETTLED	15	clear	1883	2026-09-06 00:07Z
acht_sim_harb_3twfc2a58lz	ach outgoing CREDIT	$564.62	SETTLED	55	review	1861	2026-09-05 05:03Z
acht_sim_harb_ab0e5x4v8dl	ach outgoing CREDIT	$581.90	SETTLED	0	clear	1801	2026-09-03 04:17Z
acht_sim_harb_1p9twvrx8f3	ach outgoing CREDIT	$252.71	SETTLED	0	clear	1779	2026-09-02 21:56Z
acht_sim_harb_a4qlm3wp8cy	ach outgoing DEBIT	$257.91	SETTLED	0	clear	1759	2026-09-02 02:48Z
acht_sim_harb_becor8u9895	ach outgoing DEBIT	$750.02	SETTLED	15	clear	1719	2026-09-01 00:25Z
acht_sim_harb_bdtztix287t	ach outgoing CREDIT	$526.57	SETTLED	0	clear	1718	2026-08-31 23:11Z
acht_sim_harb_41ct4cil84m	ach outgoing CREDIT	$233.93	SETTLED	0	clear	1666	2026-08-30 02:49Z
acht_sim_harb_cnfzgo567i5	ach outgoing DEBIT	$221.38	SETTLED	10	clear	1415	2026-08-22 04:34Z
acht_sim_harb_cjmrnzde7ep	ach outgoing CREDIT	$542.78	SETTLED	0	clear	1379	2026-08-21 04:16Z
acht_sim_harb_179v5eth7ev	ach outgoing DEBIT	$451.23	SETTLED	0	clear	1357	2026-08-20 21:03Z
acht_sim_harb_ojopkkf7by	ach outgoing DEBIT	$214.92	SETTLED	0	clear	1337	2026-08-20 02:35Z
acht_sim_harb_7w4eu95577l	ach outgoing CREDIT	$307.55	SETTLED	0	clear	1314	2026-08-19 05:28Z
acht_sim_harb_4w33q9lp75d	ach outgoing CREDIT	$367.87	SETTLED	40	review	1259	2026-08-18 04:04Z
acht_sim_harb_18xcoef475j	ach outgoing CREDIT	$787.36	SETTLED	15	clear	1238	2026-08-17 21:39Z
acht_sim_harb_ayr0k68y72f	ach outgoing CREDIT	$593.08	SETTLED	0	clear	1205	2026-08-16 22:56Z
acht_sim_harb_60p83vww6u2	ach outgoing DEBIT	$516.55	SETTLED	15	clear	1111	2026-08-13 21:25Z
acht_sim_harb_4n9t5ham6qu	ach outgoing DEBIT	$300.94	SETTLED	40	review	1093	2026-08-13 01:23Z
acht_sim_harb_aj2aqcdf6iz	ach outgoing DEBIT	$272.57	SETTLED	15	clear	992	2026-08-09 20:35Z
acht_sim_harb_9emttufp6hk	ach outgoing CREDIT	$850.28	SETTLED	15	clear	989	2026-08-09 05:07Z
acht_sim_harb_asjmr12y6ca	ach outgoing CREDIT	$568.67	SETTLED	0	clear	938	2026-08-08 01:21Z
acht_sim_harb_3en0cqv36b2	ach outgoing CREDIT	$335.08	SETTLED	15	clear	895	2026-08-06 20:09Z
acht_sim_harb_a6r72bh564q	ach outgoing CREDIT	$325.40	SETTLED	10	clear	841	2026-08-04 23:40Z
acht_sim_harb_3q7znb8r61i	ach outgoing CREDIT	$911.77	SETTLED	0	clear	799	2026-08-04 00:56Z
acht_sim_harb_hn8hen75nf	ach outgoing CREDIT	$711.81	SETTLED	15	clear	643	2026-07-29 23:04Z
acht_sim_harb_2pfr31bu9kc	ach outgoing DEBIT	$9,703.25	SETTLED	65	hold	552	2026-07-27 11:15Z
acht_sim_harb_a0znszfb9k9	ach outgoing DEBIT	$9,711.80	SETTLED	65	hold	551	2026-07-27 06:15Z
acht_sim_harb_7ttl9u2c9k6	ach outgoing DEBIT	$9,460.28	SETTLED	20	clear	544	2026-07-27 01:15Z
acht_sim_harb_8jhbl13l5dv	ach outgoing DEBIT	$347.11	SETTLED	0	clear	533	2026-07-26 23:12Z
acht_sim_harb_2an17oui9k3	ach outgoing DEBIT	$9,664.70	SETTLED	20	clear	522	2026-07-26 20:15Z
acht_sim_harb_e6yor8b58f	ach outgoing CREDIT	$224.74	SETTLED	0	clear	471	2026-07-24 05:19Z

Alerts on this entity and its transfers

Opened	Detector	Summary	Severity	Skoor	Route	Status
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 55 (hold band) on a $9,151.01 ach transfer: amount.gt_10x_median, structuring.pattern.	high	55 hold	reviewed	held
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 55 (hold band) on a $9,526.72 ach transfer: amount.gt_10x_median, structuring.pattern.	high	55 hold	reviewed	held
2026-09-17 19:32Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $507.36 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open
2026-09-17 19:31Z	structuring_pattern	The entity made 4 ACH debits just under $10,000 within 24 hours.	high	55 hold	reviewed	held
2026-09-17 19:31Z	structuring_pattern	The entity made 3 ACH debits just under $10,000 within 24 hours.	high	55 hold	reviewed	held
2026-09-17 19:31Z	amount_just_below_threshold	A single $9,787.59 ACH debit sits just under the $10,000 reporting threshold with no 24-hour pattern around it.	low	20 clear	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 55 (review band) on a $564.62 ach transfer: returns.counterparty_prior_unauthorized, geo.outside_declared_countries.	medium	55 review	reviewed	open
2026-09-17 19:31Z	skoor_hold	Transaction Risk Skoor 65 (hold band) on a $9,703.25 ach transfer: amount.gt_10x_median, velocity.sum_24h_gt_2x_daily_avg, structuring.pattern.	high	65 hold	reviewed	held
2026-09-17 19:31Z	skoor_hold	Transaction Risk Skoor 65 (hold band) on a $9,711.80 ach transfer: amount.gt_10x_median, velocity.sum_24h_gt_2x_daily_avg, structuring.pattern.	high	65 hold	reviewed	held
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $367.87 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open
2026-09-17 19:30Z	velocity_spike	Entity velocity spiked: 4 transfers and $29,183.89 in 24 hours.	medium	65 hold	reviewed	held
2026-09-17 19:30Z	structuring_pattern	The entity made 3 ACH debits just under $10,000 within 24 hours.	high	65 hold	reviewed	held
2026-09-17 19:30Z	amount_just_below_threshold	A single $9,664.70 ACH debit sits just under the $10,000 reporting threshold with no 24-hour pattern around it.	low	20 clear	reviewed	open