SKOOR Risk Money movement. Skoored by AI.

Program

Lantern Lending (simulated)

Program report → · Weekly program risk report →

Program Skoor
45n=3995
Skoor version
prs-v1
KRI window
60 days, as of 2026-09-18 01:14Z
Declared monthly volume
$900,000.00
Declared rails
ach
Declared countries
US
Source
simulated

Key risk indicators

KRIValuenThresholdStatusNote
frozen_accounts020ok
hold_aging_hours1412.159426111111324watch
overdraft_events020ok
manual_review_rate1.1%7362.0%ok
card_fraud_declinesnull00unmeasured
pep_flagged_entities1330watch
velocity_vs_declared60.0%368150.0%ok
stale_screening_share0.0%3320.0%ok
high_risk_entity_share3.0%335.0%ok
reserve_coverage_ratio122.4%318100.0%ok
ach_overall_return_rate0.9%31815.0%ok
verification_denial_rate3.0%335.0%ok
manual_review_aging_hours1439.2805372222222848breach
ach_unauthorized_return_rate0.0%3180.5%ok
sanctioned_country_transfers07360ok
ach_administrative_return_rate0.0%3183.0%ok
counterparty_concentration_top111.2%73650.0%ok

Recent alerts

OpenedDetectorSummarySeveritySkoorRouteStatusDue
2026-09-18 00:18Zmanual_review_aging8 transfer(s) have sat in manual review for up to 1438 hours.mediumnull unscoredreviewedopendue 2026-09-25 00:18Z
2026-09-17 19:32Zskoor_holdTransaction Risk Skoor 55 (hold band) on a $2,192.52 ach transfer: counterparty.first_time, velocity.sum_24h_gt_2x_daily_avg, structuring.pattern.high55 holdreviewedheldno clock
2026-09-17 19:32Zskoor_holdTransaction Risk Skoor 45 (hold band) on a $9,234.82 ach transfer: amount.gt_3x_median, structuring.pattern.high45 holdreviewedheldno clock
2026-09-17 19:32Zrapid_onboardingThe entity's first transfer, $1,775.45, above the program median, came 0.0 hours after verification.mediumnull unscoredreviewedopenno clock
2026-09-17 19:32Zskoor_holdTransaction Risk Skoor 35 (hold band) on a $2,061.20 ach transfer: structuring.pattern.high35 holdreviewedheldno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $585.48 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopenno clock
2026-09-17 19:32Zsanctions_or_pepActivity on an entity flagged by screening (PEP status no, high risk).high20 clearreviewedopenno clock
2026-09-17 19:32Zsanctions_or_pepActivity on an entity flagged by screening (PEP status potential).high25 clearreviewedopenno clock
2026-09-17 19:32Zrapid_onboardingThe entity's first transfer, $2,400.00, above the program median, came 0.0 hours after verification.medium60 holdreviewedheldno clock
2026-09-17 19:32Zsanctions_or_pepActivity on an entity flagged by screening (PEP status potential).high15 clearreviewedopenno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $721.96 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopenno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $574.43 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopenno clock
2026-09-17 19:32Zvelocity_spikeEntity velocity spiked: 5 transfers and $39,986.61 in 24 hours.medium55 holdreviewedheldno clock
2026-09-17 19:32Zstructuring_patternThe entity made 4 ACH debits just under $10,000 within 24 hours.high45 holdreviewedheldno clock
2026-09-17 19:32Zskoor_holdTransaction Risk Skoor 45 (hold band) on a $9,434.53 ach transfer: amount.gt_3x_median, structuring.pattern.high45 holdreviewedheldno clock
2026-09-17 19:32Zstructuring_patternThe entity made 3 ACH debits just under $10,000 within 24 hours.high35 holdreviewedheldno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $1,033.81 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopenno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $620.59 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopenno clock
2026-09-17 19:32Zvelocity_spikeEntity velocity spiked: 2 transfers and $3,952.20 in 24 hours.medium10 clearreviewedopenno clock
2026-09-17 19:32Zrapid_onboardingThe entity's first transfer, $2,404.22, above the program median, came 0.0 hours after verification.medium0 clearreviewedopenno clock
2026-09-17 19:32Zamount_just_below_thresholdA single $9,841.85 ACH debit sits just under the $10,000 reporting threshold with no 24-hour pattern around it.low10 clearreviewedopenno clock
2026-09-17 19:32Zsanctions_or_pepActivity on an entity flagged by screening (PEP status no, high risk).high20 clearreviewedopenno clock
2026-09-17 19:32Zrapid_onboardingThe entity's first transfer, $2,349.46, above the program median, came 0.0 hours after verification.medium0 clearreviewedopenno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $591.05 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopenno clock
2026-09-17 19:32Zskoor_reviewTransaction Risk Skoor 40 (review band) on a $811.77 ach transfer: returns.counterparty_prior_unauthorized.medium40 reviewreviewedopenno clock

Recent transfers

TransferRailAmountStatusSkoorBandnCreated
acht_sim_lant_996vu3kweidach outgoing DEBIT$572.29SUBMITTED0clear8162026-09-17 05:28Z
acht_sim_lant_930vsevveibach outgoing DEBIT$671.72SUBMITTED0clear8162026-09-17 04:43Z
acht_sim_lant_8hm1v1eveitach outgoing CREDIT$816.68SUBMITTED40review8162026-09-17 03:51Z
acht_sim_lant_ajbzn3ueeilach outgoing CREDIT$2,430.86SUBMITTED0clear8162026-09-17 03:47Z
acht_sim_lant_5b4mwebjeipach outgoing CREDIT$2,599.13SUBMITTED25clear8162026-09-17 03:36Z
acht_sim_lant_5ghhz70seifach outgoing DEBIT$1,065.56SUBMITTED0clear8162026-09-17 03:31Z
acht_sim_lant_9wj1r8mmei5ach outgoing DEBIT$1,719.15SUBMITTED0clear8162026-09-17 03:21Z
acht_sim_lant_aeo41mucei7ach outgoing CREDIT$1,455.42SUBMITTED15clear8162026-09-17 01:58Z
acht_sim_lant_yodkpfqeijach outgoing CREDIT$757.99SUBMITTED0clear8162026-09-17 01:05Z
acht_sim_lant_coj11m1kei9ach outgoing DEBIT$1,910.21SUBMITTED30review8162026-09-17 01:02Z
acht_sim_lant_14mslxvseihach outgoing CREDIT$1,787.46SUBMITTED0clear8132026-09-17 00:05Z
acht_sim_lant_5gj9q39weirach outgoing DEBIT$1,912.81SUBMITTED0clear8132026-09-16 22:41Z
acht_sim_lant_5wkhgeaoeinach outgoing CREDIT$2,352.42SUBMITTED10clear8102026-09-16 21:37Z
acht_sim_lant_4ghdysqzei2ach outgoing DEBIT$786.82SETTLED0clear8152026-09-16 04:20Z
acht_sim_lant_504ukvehtach outgoing DEBIT$2,181.20SETTLED10clear8142026-09-16 03:16Z
acht_sim_lant_9f54nnytehzach outgoing CREDIT$1,003.44SETTLED0clear8132026-09-16 02:23Z
acht_sim_lant_74nwuf6behqach outgoing CREDIT$585.48SETTLED40review8122026-09-16 01:16Z
acht_sim_lant_54uunzlnehkach outgoing DEBIT$1,346.80SETTLED0clear8112026-09-16 00:00Z
acht_sim_lant_8nxi3gjcehnach outgoing CREDIT$2,565.00SETTLED15clear8102026-09-15 23:55Z
acht_sim_lant_4m7tws99ehwach outgoing DEBIT$1,877.43SETTLED0clear8092026-09-15 23:45Z
acht_sim_lant_44foil1sehhach outgoing CREDIT$969.57SETTLED0clear8092026-09-15 21:33Z
acht_sim_lant_704mht3degwach outgoing DEBIT$1,368.95SETTLED0clear8082026-09-15 04:46Z
acht_sim_lant_6am3sfrpeh5ach outgoing CREDIT$649.85SETTLED0clear8072026-09-15 02:29Z
acht_sim_lant_194f5clvegzach outgoing CREDIT$1,160.60SETTLED20clear8052026-09-15 00:14Z
acht_sim_lant_c3kokefkegtach outgoing CREDIT$1,942.04SETTLED0clear8052026-09-15 00:05Z
acht_sim_lant_bad6akdkeh8ach outgoing DEBIT$1,423.04SETTLED0clear8042026-09-14 22:52Z
acht_sim_lant_l188loieh2ach outgoing CREDIT$751.90SETTLED0clear8032026-09-14 22:08Z
acht_sim_lant_8v6sfyypegqach outgoing DEBIT$1,547.63SETTLED0clear8022026-09-14 21:09Z
acht_sim_lant_8xx12gqyehbach outgoing DEBIT$1,950.87SETTLED0clear8012026-09-14 21:01Z
acht_sim_lant_cg65emfneheach outgoing CREDIT$1,470.12SETTLED0clear8002026-09-14 20:09Z
acht_sim_lant_9kwkldwpegeach outgoing CREDIT$1,745.13SETTLED0clear7992026-09-14 05:40Z
acht_sim_lant_4f3plcpdeghach outgoing CREDIT$1,586.24SETTLED0clear7982026-09-14 05:30Z
acht_sim_lant_qsp2qaheg8ach outgoing DEBIT$1,004.64SETTLED25clear7962026-09-14 05:28Z
acht_sim_lant_3i2cwwscefqach outgoing CREDIT$1,685.15SETTLED0clear7962026-09-14 04:06Z
acht_sim_lant_9ojsel9tefzach outgoing DEBIT$2,165.46SETTLED0clear7952026-09-14 04:05Z
acht_sim_lant_3896lbaaegbach outgoing CREDIT$2,183.04SETTLED0clear7942026-09-14 03:38Z
acht_sim_lant_bz2hcpuxeg2ach outgoing DEBIT$1,535.55SETTLED0clear7932026-09-14 01:48Z
acht_sim_lant_1qg0oge7egnach outgoing CREDIT$1,837.11SETTLED0clear7922026-09-14 00:56Z
acht_sim_lant_8tp5045wegkach outgoing DEBIT$1,964.13SETTLED0clear7912026-09-14 00:29Z
acht_sim_lant_2fdfkd7hefwach outgoing CREDIT$677.00SETTLED15clear7892026-09-13 23:45Z

Entities

Each entity carries an Entity Risk Skoor from its own history on this program; an entity tagged as an agent also carries an Agent Risk Skoor.

EntityTypeEntity SkoorAgent SkoorVerificationHigh riskPEPLast screened
Birch Holdings 313 enti_sim_lant_2dt4asy7chmBUSINESS0n=24 clearVERIFIEDnono2026-09-09 04:54Z
Dune LLC 33 enti_sim_lant_9yb6hmwocgiPERSON0n=11 clearVERIFIEDnono2026-09-07 09:48Z
Alder Co 324 enti_sim_lant_4a5rbybcciuBUSINESS0n=19 clearVERIFIEDnono2026-09-06 17:19Z
Fern Studio 317 enti_sim_lant_b20ihghci2BUSINESS25n=16 clearVERIFIEDnono2026-09-05 03:16Z
Elm Partners 316 enti_sim_lant_1t056e63chyBUSINESS0n=27 clearVERIFIEDnono2026-09-03 05:47Z
Elm Partners 34 enti_sim_lant_iciax8tcgmPERSON0n=20 clearVERIFIEDnono2026-09-03 04:00Z
Alder Co 30 enti_sim_lant_bzg8kp1scg6BUSINESS0n=29 clearVERIFIEDnono2026-09-02 18:04Z
Heath Holdings 37 enti_sim_lant_24kd4gjtcgyBUSINESS0n=20 clearVERIFIEDnono2026-09-02 02:11Z
Potential Pep 3 enti_sim_lant_866sn4vcjdPERSON60n=34 reviewVERIFIEDnopotential2026-09-01 05:48Z
Cedar Services 326 enti_sim_lant_25vmlec9cj2BUSINESS0n=14 clearVERIFIEDnono2026-08-31 11:21Z
Juniper LLC 321 enti_sim_lant_1em2vt14ciiPERSON15n=33 clearVERIFIEDnono2026-08-30 21:47Z
Grove Co 318 enti_sim_lant_6tljrrozci6BUSINESS0n=22 clearVERIFIEDnono2026-08-30 15:39Z
High Risk Trading 3 enti_sim_lant_6uvwvng8cjhBUSINESS20n=26 clearVERIFIEDyesno2026-08-29 23:12Z
Birch Holdings 325 enti_sim_lant_b0j3i3l4ciyBUSINESS0n=33 clearVERIFIEDnono2026-08-28 21:52Z
Payout Agent (Lantern) enti_sim_lant_be7kgc35cjl agentBUSINESS0n=24 clear0n=24 clearVERIFIEDnono2026-08-28 13:08Z
Larch Studio 323 enti_sim_lant_7dif55rlciqPERSON15n=10 clearVERIFIEDnono2026-08-27 14:57Z
Kestrel Partners 322 enti_sim_lant_8nwmqx7fcimBUSINESS0n=48 clearVERIFIEDnono2026-08-25 19:41Z
Cedar Services 314 enti_sim_lant_coagxc8rchqBUSINESS0n=27 clearVERIFIEDnono2026-08-25 09:16Z
Iris Services 38 enti_sim_lant_35l0ul4ech2PERSON30n=34 reviewVERIFIEDnono2026-08-24 10:53Z
Dune LLC 315 enti_sim_lant_5fzmtezdchuBUSINESS0n=39 clearVERIFIEDnono2026-08-24 10:10Z
Grove Co 36 enti_sim_lant_58si96u1cguBUSINESS0n=23 clearVERIFIEDnono2026-08-23 18:20Z
Kestrel Partners 310 enti_sim_lant_4w6h6ihfchaPERSON10n=12 clearVERIFIEDnono2026-08-23 08:50Z
Alder Co 312 enti_sim_lant_3ijsd2kdchiPERSON0n=23 clearVERIFIEDnono2026-08-22 11:56Z
Iris Services 320 enti_sim_lant_5pyvo263cieBUSINESS0n=34 clearVERIFIEDnono2026-08-19 17:33Z
Dune LLC 327 enti_sim_lant_5oo9e1t4cj6BUSINESS0n=38 clearVERIFIEDnono2026-08-18 22:05Z
Heath Holdings 319 enti_sim_lant_on5tbo6ciaPERSON0n=18 clearVERIFIEDnono2026-08-18 21:00Z
Birch Holdings 31 enti_sim_lant_5ii7h7ipcgaBUSINESS10n=56 clearVERIFIEDnono2026-08-18 09:52Z
Juniper LLC 39 enti_sim_lant_84ee5nt0ch6BUSINESS0n=34 clearVERIFIEDnono2026-08-18 08:48Z
Cedar Services 32 enti_sim_lant_6vouo184cgePERSON10n=16 clearVERIFIEDnono2026-08-15 12:13Z
Larch Studio 311 enti_sim_lant_717xoqj8chePERSON15n=10 clearVERIFIEDnono2026-08-14 00:20Z
Fern Studio 35 enti_sim_lant_c5dgr8dpcgqBUSINESS0n=13 clearVERIFIEDnono2026-08-12 19:52Z
Lantern Lending enti_sim_lant_2spuvci1cfcBUSINESS35n=32 reviewVERIFIEDnono2026-07-23 09:13Z
Denied Origin 3 enti_sim_lant_9312rknkcjaPERSON85n=1 holdDENIEDnono2026-06-24 12:01Z

Counterparties

Each counterparty carries a Counterparty Risk Skoor from every transfer to or from it across the bank, not only this program.

CounterpartyCountryCounterparty SkoorAgent SkoorPrograms paying itReturns drawnFirst seen
Receiver 101 cpty_sim_lant_8uee88y7eipnulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 99 cpty_sim_lant_bpe02ut2ei9nulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 100 cpty_sim_lant_8lqy52m8einnulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 98 cpty_sim_lant_20xruxfkehtnulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 97 cpty_sim_lant_787c5s8xeg8nulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 95 cpty_sim_lant_5xlyuno4efbnulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 96 cpty_sim_lant_26dfm46aefnnulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 94 cpty_sim_lant_6r2ola61eewnulln=1 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 93 cpty_sim_lant_3a23pmf9eebnulln=2 unscored10 · 0 unauthorized2026-09-17 19:32Z
Receiver 91 cpty_sim_lant_4ndq4tcgecnnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 90 cpty_sim_lant_8ray1q4kecknulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 89 cpty_sim_lant_47eq2knkeamnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 84 cpty_sim_lant_7lf3f653e8vnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 85 cpty_sim_lant_9r3z92jxe9anulln=2 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 86 cpty_sim_lant_8qg1viu7e9dnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 87 cpty_sim_lant_9ax8omhqe9knulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 83 cpty_sim_lant_2b6p1um4e8dnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 82 cpty_sim_lant_7xnj44zpe8anulln=2 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 81 cpty_sim_lant_45kkv9fue7gnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 102 cpty_sim_lant_1gour80xejaNGnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 80 cpty_sim_lant_aw8uwnoye6cnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 79 cpty_sim_lant_5ooqr3dqe53nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 77 cpty_sim_lant_8gks7xaye4lnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 76 cpty_sim_lant_9id70noae4cnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 74 cpty_sim_lant_6yn47pize3lnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 73 cpty_sim_lant_5mtuzr3ae3inulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 75 cpty_sim_lant_2yj3jlf5e3rnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 71 cpty_sim_lant_2xz63sose2onulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 72 cpty_sim_lant_4v2n4doye2xnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 70 cpty_sim_lant_6rtblr1ke1o35n=5 review10 · 0 unauthorized2026-09-17 19:31Z
Receiver 69 cpty_sim_lant_6xisdznke19nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 105 cpty_sim_lant_cpznl6w2ekbnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 106 cpty_sim_lant_94qqf76dekhnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 104 cpty_sim_lant_5dbnr3m4ek8nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 103 cpty_sim_lant_38iu741gejznulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 92 cpty_sim_lant_5wjf4ijree2nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 78 cpty_sim_lant_96n1awpxe4rnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 88 cpty_sim_lant_4q7ys3vkea410n=3 clear10 · 0 unauthorized2026-09-17 19:31Z
Receiver 68 cpty_sim_lant_muiygzfe0fnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 67 cpty_sim_lant_9ag4jda6dyanulln=2 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 66 cpty_sim_lant_6yh9ya04dxjnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 65 cpty_sim_lant_78h9jsxidx7nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 64 cpty_sim_lant_55g2m13wdwjnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 63 cpty_sim_lant_1fdm06mwdwdnulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 62 cpty_sim_lant_7d5beu9dduunulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 61 cpty_sim_lant_aw0r3z61dt8nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 60 cpty_sim_lant_12ystsgkdse10n=6 clear10 · 0 unauthorized2026-09-17 19:31Z
Receiver 59 cpty_sim_lant_24jvhvhbdrenulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 58 cpty_sim_lant_4pal34omdqhnulln=2 unscored10 · 0 unauthorized2026-09-17 19:31Z
Receiver 57 cpty_sim_lant_5dv1kifbdq8nulln=1 unscored10 · 0 unauthorized2026-09-17 19:31Z