Agent report · generated 2026-09-18 03:31Z

Settlement Agent (Lantern 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 →

Skoor

10n=64

Band

clear

Confidence

0.80

Version

ars-v1

As of

2026-09-17 19:32Z

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.

#	Reason	Signal	Weight	Hard	Detail
1	CRS-NEW-01 The counterparty was first seen less than a week ago.	`counterparty.new`	+10		first seen 0d ago

Band transitions

When	From	To	Skoor	n
2026-09-17 19:31Z	unscored	clear	10	42

Signal trends

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

Appeared: none
Disappeared: none
Changed weight: none

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:30Z	null	unscored	1	null	ars-v1
2026-09-17 19:31Z	10	clear	42	0.69	ars-v1
2026-09-17 19:32Z	10	clear	64	0.80	ars-v1

Transfers

Window: 180 days
Transfers: 66
Volume: $86,155.60
Returns: 0 · 0 unauthorized
Scored: 65
Hold-band share: 1.5%n=65
Review-band share: 0.0%n=65

Alerts

Opened	Detector	Summary	Route	Status
2026-09-17 19:32Z	skoor_hold	Transaction Risk Skoor 35 (hold band) on a $2,061.20 ach transfer: structuring.pattern.	reviewed	held
2026-09-17 19:32Z	structuring_pattern	The entity made 3 ACH debits just under $10,000 within 24 hours.	reviewed	held
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	reviewed	open
2026-09-17 19:31Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status potential).	reviewed	open
2026-09-17 19:30Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	reviewed	open
2026-09-17 19:30Z	sanctions_or_pep	Activity on an entity flagged by screening (PEP status no, high risk).	reviewed	open

Decisions

No decisions.

Signals and inputs

{
  "signals": [
    {
      "code": "counterparty.new",
      "detail": "first seen 0d ago",
      "weight": 10
    }
  ],
  "inputs": {
    "n": 64,
    "base": "crs-v1",
    "scope": [
      "ach",
      "realtime"
    ],
    "purpose": "marketplace settlement",
    "reasons": [
      {
        "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": 0,
      "unauthorized": 0
    },
    "scoredN": 61,
    "holdShare": 0.01639344262295082,
    "railsUsed": [
      "ach"
    ],
    "hardSignal": false,
    "windowDays": 180,
    "countryCode": null,
    "reviewShare": 0,
    "concentration": 0.01312457479443559,
    "confidenceDecay": 1,
    "distinctEntities": 27,
    "distinctPrograms": 1,
    "firstSeenAgeDays": 0,
    "operatorEntityId": "enti_sim_lant_2spuvci1cfc",
    "observationAgeDays": 3,
    "programsWithReturns": 0
  }
}