Entity · BUSINESS

Lantern Lending

Id: enti_sim_lant_2spuvci1cfc
Program: 180938aa-f565-4063-8da7-da29139b126f
Verification: VERIFIED
High risk: no
PEP: no
Requires screening: no
Review reasons: —
Last screened: 2026-07-23 09:13Z
Country: US
Expected rails: ach

Entity Risk Skoor Report →

Skoor

35n=32

Band

review

Confidence

0.78

Version

ers-v1

Scored 2026-09-17 19:33Z.

Top reasons

#	Reason	Signal	Weight	Hard	Detail
1	ERS-HIS-01 A tenth or more of the entity's scored transfers landed in the hold band.	`entity.hold_share`	+25		13% of scored transfers in the hold band
2	ERS-VEL-01 The entity's volume in the last 30 days is more than twice its prior monthly volume.	`entity.velocity`	+10		last 30 days 3.5× its prior monthly volume

Signals

Signal	Weight	Hard	Detail
entity.hold_share	+25		13% of scored transfers in the hold band
entity.velocity	+10		last 30 days 3.5× its prior monthly volume

Inputs

{
  "n": 32,
  "alerts": {
    "opened": 10,
    "clearedByPerson": 0,
    "heldOrEscalated": 4
  },
  "returns": {
    "any": 0,
    "unauthorized": 0
  },
  "scoredN": 30,
  "holdShare": 0.13333333333333333,
  "pepStatus": "no",
  "hardSignal": false,
  "isHighRisk": false,
  "windowDays": 90,
  "reviewShare": 0.13333333333333333,
  "velocityRatio": 3.540195633246907,
  "confidenceDecay": 1,
  "screeningAgeDays": 56,
  "observationAgeDays": 4,
  "verificationStatus": "VERIFIED",
  "distinctCounterparties": 20
}

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:33Z	35	review	32	0.78	ers-v1
2026-09-17 19:32Z	10	clear	29	0.75	ers-v1
2026-09-17 19:31Z	0	clear	18	0.60	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 review band, and the re-screen cadence. A bank sets its own numbers; these are the defaults.

Per transaction: $10,000.00
Per day: $50,000.00
Per month: $500,000.00
Re-screen every: 30 days

What unlocks the next band

From review to clear: shed 6 points. At clear the caps become $100,000.00 per transaction, $500,000.00 per day, $10,000,000.00 per month.

Signal to clear	Points	Hard	What it means
entity.hold_share	25		A tenth or more of the entity's scored transfers landed in the hold band.

Transfers

Transfer	Rail	Amount	Status	Skoor	Band	n	Created
acht_sim_lant_3l7cjbxrefb	ach outgoing CREDIT	$2,094.68	SETTLED	10	clear	783	2026-09-13 04:25Z
acht_sim_lant_8bxyn8oieeb	ach outgoing DEBIT	$2,192.52	SETTLED	55	hold	774	2026-09-12 04:28Z
acht_sim_lant_90piwgzoej4	ach outgoing DEBIT	$9,234.82	SETTLED	45	hold	773	2026-09-12 04:22Z
acht_sim_lant_4rwkpipfej1	ach outgoing DEBIT	$9,434.53	SETTLED	45	hold	768	2026-09-11 23:22Z
acht_sim_lant_7fzqnsf2eek	ach outgoing DEBIT	$2,061.20	SETTLED	35	hold	767	2026-09-11 23:21Z
acht_sim_lant_3rt5rqogeiy	ach outgoing DEBIT	$9,414.21	SETTLED	10	clear	760	2026-09-11 18:22Z
acht_sim_lant_1agre44xeiv	ach outgoing DEBIT	$9,841.85	SETTLED	10	clear	758	2026-09-11 13:22Z
acht_sim_lant_8ec37lobe4f	ach outgoing DEBIT	$824.54	SETTLED	0	clear	651	2026-09-02 20:34Z
acht_sim_lant_1swwctj0e36	ach outgoing CREDIT	$624.20	SETTLED	0	clear	648	2026-09-02 04:59Z
acht_sim_lant_46c5ojcrdvc	ach outgoing DEBIT	$949.38	SETTLED	0	clear	529	2026-08-24 00:43Z
acht_sim_lant_2rmk2ye2dth	ach outgoing CREDIT	$694.91	SETTLED	40	review	501	2026-08-21 23:24Z
acht_sim_lant_8eyz2zh0dqz	ach outgoing CREDIT	$736.17	SETTLED	0	clear	469	2026-08-18 23:07Z
acht_sim_lant_ab128bzxdo5	ach outgoing CREDIT	$1,247.71	SETTLED	0	clear	448	2026-08-17 01:01Z
acht_sim_lant_ady4akv4dnb	ach outgoing CREDIT	$687.27	SETTLED	0	clear	441	2026-08-16 04:57Z
acht_sim_lant_44bhp49dkm	ach outgoing DEBIT	$1,402.65	SETTLED	40	review	397	2026-08-13 01:13Z
acht_sim_lant_97ff7jwkdk7	ach outgoing DEBIT	$2,253.77	SETTLED	15	clear	395	2026-08-12 23:47Z
acht_sim_lant_3sjoen04djm	ach outgoing CREDIT	$1,130.22	SETTLED	0	clear	394	2026-08-12 05:15Z
acht_sim_lant_3neanex9dfq	ach outgoing CREDIT	$1,685.94	SETTLED	0	clear	341	2026-08-08 00:25Z
acht_sim_lant_6xcf0235deb	ach outgoing CREDIT	$599.52	SETTLED	0	clear	326	2026-08-06 20:57Z
acht_sim_lant_4xru793vdbw	ach outgoing CREDIT	$792.55	SETTLED	40	review	300	2026-08-04 04:57Z
acht_sim_lant_7dxbq6fudas	ach outgoing DEBIT	$853.69	SETTLED	40	review	286	2026-08-03 01:08Z
acht_sim_lant_a9ulro9ud8m	ach outgoing DEBIT	$1,447.71	SETTLED	0	clear	266	2026-08-01 04:20Z
acht_sim_lant_7l0wxiuzd8a	ach outgoing CREDIT	$1,477.23	SETTLED	0	clear	259	2026-07-31 22:59Z
acht_sim_lant_btuig1tzd91	ach outgoing CREDIT	$1,352.22	SETTLED	0	clear	258	2026-07-31 20:33Z
acht_sim_lant_27nm3m2od75	ach outgoing CREDIT	$1,548.72	SETTLED	0	clear	247	2026-07-30 21:56Z
acht_sim_lant_b60hgiwqd4z	ach outgoing CREDIT	$878.00	SETTLED	0	clear	223	2026-07-29 02:06Z
acht_sim_lant_46uurit6d21	ach outgoing DEBIT	$1,425.60	SETTLED	0	clear	186	2026-07-26 02:05Z
acht_sim_lant_97muwnj1cyr	ach outgoing DEBIT	$1,124.41	SETTLED	0	clear	146	2026-07-22 04:48Z
acht_sim_lant_8kxwxhx7cxl	ach outgoing DEBIT	$736.85	SETTLED	0	clear	140	2026-07-22 01:47Z
acht_sim_lant_6ljc7zfbcwm	ach outgoing CREDIT	$2,541.56	SETTLED	0	clear	129	2026-07-21 02:17Z
acht_sim_lant_989rq1axckp	ach outgoing CREDIT	$1,843.57	COMPLETED	null	unscored	16	2026-07-11 04:51Z
acht_sim_lant_bk80s93lck1	ach outgoing CREDIT	$2,146.15	COMPLETED	null	unscored	7	2026-07-10 04:12Z

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 $2,192.52 ach transfer: counterparty.first_time, velocity.sum_24h_gt_2x_daily_avg, structuring.pattern.	high	55 hold	reviewed	held
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 45 (hold band) on a $9,234.82 ach transfer: amount.gt_3x_median, structuring.pattern.	high	45 hold	reviewed	held
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 35 (hold band) on a $2,061.20 ach transfer: structuring.pattern.	high	35 hold	reviewed	held
2026-09-17 19:32Z	velocity_spike	Entity velocity spiked: 5 transfers and $39,986.61 in 24 hours.	medium	55 hold	reviewed	held
2026-09-17 19:32Z	structuring_pattern	The entity made 4 ACH debits just under $10,000 within 24 hours.	high	45 hold	reviewed	held
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 45 (hold band) on a $9,434.53 ach transfer: amount.gt_3x_median, structuring.pattern.	high	45 hold	reviewed	held
2026-09-17 19:32Z	structuring_pattern	The entity made 3 ACH debits just under $10,000 within 24 hours.	high	35 hold	reviewed	held
2026-09-17 19:32Z	amount_just_below_threshold	A single $9,841.85 ACH debit sits just under the $10,000 reporting threshold with no 24-hour pattern around it.	low	10 clear	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $694.91 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open
2026-09-17 19:31Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $1,402.65 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open
2026-09-17 19:30Z	skoor_review	Transaction Risk Skoor 40 (review band) on a $792.55 ach transfer: returns.counterparty_prior_unauthorized.	medium	40 review	reviewed	open
2026-09-17 19:30Z	rapid_onboarding	The entity's first transfer, $2,146.15, above the program median, came 0.0 hours after verification.	medium	null unscored	reviewed	open
2026-09-17 19:30Z	first_time_counterparty_large	First transfer to a new counterparty, $2,146.15, above the program's 95th percentile.	medium	null unscored	reviewed	open