policy-v1

Automated or reviewed

The written line between the decisions the platform may make alone and the ones that wait for a person. The automated side never widens on its own.

What the platform may close alone

Detector	Condition
repeat_pattern	band in clear; no hard signal; program history ≥ 30; the draft recommends close
return_rate_drift_within_threshold	band in clear; no hard signal; program history ≥ 30; the draft recommends close

What always waits for a person

Detector
first_time_counterparty_large
freeze_or_limit
sanctions_or_pep
sanctioned_jurisdiction
denied_entity_activity
structuring_pattern
skoor_hold
reserve_coverage
return_rate_breach

Actions needing a second approver

Action
freeze_account
request_to_program
suspend_card_account

Hold band

A transfer in the hold band is held before anyone decides. Fail closed.

The full policy

{
  "version": "policy-v1",
  "autoClosableDetectors": [
    "repeat_pattern",
    "return_rate_drift_within_threshold"
  ],
  "autoCloseBands": [
    "clear"
  ],
  "minProgramN": 30,
  "alwaysReviewed": [
    "first_time_counterparty_large",
    "freeze_or_limit",
    "sanctions_or_pep",
    "sanctioned_jurisdiction",
    "denied_entity_activity",
    "structuring_pattern",
    "skoor_hold",
    "reserve_coverage",
    "return_rate_breach"
  ],
  "twoApproverActions": [
    "freeze_account",
    "request_to_program",
    "suspend_card_account"
  ],
  "holdBandAutoHold": true
}