Agent report · generated 2026-09-18 03:37Z

Settlement Agent (Harbor vendor) Agent Risk Skoor report

Current Skoor, its top reasons, its history, when it changed band, which signals appeared or disappeared, and everything decided about this agent. Built from the record; nothing here is estimated. Back to the agent →

Top reasons

The three highest-weight signals behind the number, with their stable reason codes. Credits (negative signals) are listed under signals, never as reasons.

Band transitions

Signal trends

Compared with the previous scoring at 2026-09-17 19:31Z.

Appeared

counterparty.unauthorized_returns (+40), counterparty.unauthorized_rate (+15)

Disappeared

none

Changed weight

none

History

Transfers

Window

180 days

Transfers

172

Volume

$74,596.15

Returns

2 · 1 unauthorized

Scored

169

Hold-band share

0.0%n=169

Review-band share

24.3%n=169

Alerts

Decisions

No decisions.

Signals and inputs

{
  "signals": [
    {
      "code": "counterparty.unauthorized_returns",
      "detail": "drew 1 unauthorized return(s)",
      "weight": 40
    },
    {
      "code": "counterparty.unauthorized_rate",
      "detail": "unauthorized rate 1/166 above the network threshold",
      "weight": 15
    },
    {
      "code": "counterparty.new",
      "detail": "first seen 0d ago",
      "weight": 10
    }
  ],
  "inputs": {
    "n": 166,
    "base": "crs-v1",
    "scope": [
      "ach",
      "realtime"
    ],
    "purpose": "marketplace settlement",
    "reasons": [
      {
        "id": "CRS-RET-01",
        "hard": false,
        "detail": "drew 1 unauthorized return(s)",
        "signal": "counterparty.unauthorized_returns",
        "weight": 40,
        "sentence": "The counterparty has drawn unauthorized returns."
      },
      {
        "id": "CRS-RET-02",
        "hard": false,
        "detail": "unauthorized rate 1/166 above the network threshold",
        "signal": "counterparty.unauthorized_rate",
        "weight": 15,
        "sentence": "The counterparty's unauthorized return rate is above the network threshold."
      },
      {
        "id": "CRS-NEW-01",
        "hard": false,
        "detail": "first seen 0d ago",
        "signal": "counterparty.new",
        "weight": 10,
        "sentence": "The counterparty was first seen less than a week ago."
      }
    ],
    "returns": {
      "any": 2,
      "unauthorized": 1
    },
    "scoredN": 162,
    "holdShare": 0,
    "railsUsed": [
      "ach"
    ],
    "hardSignal": false,
    "windowDays": 180,
    "countryCode": null,
    "reviewShare": 0.20987654320987653,
    "concentration": 0.011530810832706673,
    "confidenceDecay": 1,
    "distinctEntities": 28,
    "distinctPrograms": 1,
    "firstSeenAgeDays": 0,
    "operatorEntityId": "enti_sim_harb_kytao1m3ti",
    "observationAgeDays": 4,
    "programsWithReturns": 1
  }
}