Entity report · generated 2026-09-18 03:06Z

Lantern Lending Entity Risk Skoor report

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

Skoor

35n=32

Band

review

Confidence

0.78

Version

ers-v1

As of

2026-09-17 19:33Z

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	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

Band transitions

When	From	To	Skoor	n
2026-09-17 19:31Z	unscored	clear	0	18
2026-09-17 19:33Z	clear	review	35	32

Signal trends

Compared with the previous scoring at 2026-09-17 19:32Z.

Appeared: entity.hold_share (+25)
Disappeared: none
Changed weight: none

History

As of	Skoor	Band	n	Confidence	Version
2026-09-17 19:30Z	null	unscored	0	null	ers-v1
2026-09-17 19:31Z	0	clear	18	0.60	ers-v1
2026-09-17 19:32Z	10	clear	29	0.75	ers-v1
2026-09-17 19:33Z	35	review	32	0.78	ers-v1

Transfers

Window: 90 days
Transfers: 32
Volume: $75,278.35
Returns: 0 · 0 unauthorized
Scored: 30
Hold-band share: 13.3%n=30
Review-band share: 13.3%n=30

Alerts

Opened	Detector	Summary	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.	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.	reviewed	held
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	velocity_spike	Entity velocity spiked: 5 transfers and $39,986.61 in 24 hours.	reviewed	held
2026-09-17 19:32Z	structuring_pattern	The entity made 4 ACH debits just under $10,000 within 24 hours.	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.	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 19:32Z	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.	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.	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.	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.	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.	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.	reviewed	open

Decisions

No decisions.

Signals and inputs

{
  "signals": [
    {
      "code": "entity.hold_share",
      "detail": "13% of scored transfers in the hold band",
      "weight": 25
    },
    {
      "code": "entity.velocity",
      "detail": "last 30 days 3.5× its prior monthly volume",
      "weight": 10
    }
  ],
  "inputs": {
    "n": 32,
    "alerts": {
      "opened": 10,
      "clearedByPerson": 0,
      "heldOrEscalated": 4
    },
    "reasons": [
      {
        "id": "ERS-HIS-01",
        "hard": false,
        "detail": "13% of scored transfers in the hold band",
        "signal": "entity.hold_share",
        "weight": 25,
        "sentence": "A tenth or more of the entity's scored transfers landed in the hold band."
      },
      {
        "id": "ERS-VEL-01",
        "hard": false,
        "detail": "last 30 days 3.5× its prior monthly volume",
        "signal": "entity.velocity",
        "weight": 10,
        "sentence": "The entity's volume in the last 30 days is more than twice its prior monthly volume."
      }
    ],
    "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
  }
}