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Account Confidence Score

A pre-payment fraud score from 0 to 1000 with a Red, Amber, Green band, so policy can decide before money moves.

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Account Confidence Score
Pre-payment fraud risk signal · 0–1000 · Red / Amber / Green
Score range0 — 1000
REDAMBERGREEN
01995991000
What the score considers
Account age & activity
Payment history
Payment frequency
Known fraud exposure
Location signals
0Fraud Indicator
Past activity indicative of potential fraud or compromise.
Manually review and investigate
1 – 199Low Confidence
Low confidence score range.
Manually review and investigate
200 – 599Medium Confidence
Medium confidence score range.
Selective review and investigation
600 – 1000High Confidence
High confidence score range.
Proceed while following internal controls

Built for real-time monitoring, at payout speed.

An ACH debit coming in or a payout about to go out: score the destination account in the moment, and let the number pick the path.

The transaction
ACH debit · processing
RTP payout · about to send
The score decides
812GreenApprove · release funds
455AmberAsk for more information
120RedDecline · hold the payout
Stop account takeovers
Compromised accounts score Red
Caught before funds leave
Not in the next batch review
Catch APP scams
Push payments are irreversible
Mule accounts flagged in-flow
Victim stopped in time
Protect vulnerable customers
New payees surface instantly
Unusual destinations flagged
A pause before elder abuse
Fast enough for the moment
Answers in seconds
Lives inside the payout flow
Failure points fixed on the spot

Should this money move? The score answers.

Every destination account gets a pre-payment risk score and a Red, Amber, Green band, so your policy can approve, step up or hold before money moves.

735
out of 1000
GREEN · High confidence
What the score considers
Account age & activityPayment historyPayment frequencyKnown fraud exposureLocation signals
One number, not a hunch
A single score from 0 to 1000 replaces manual, gut-feel payout reviews.
A clear Red, Amber, Green call
Every score maps to a band your policy can act on automatically.
Back before you send
Typical responses in under 2.5 seconds, in time to hold or release.
Tuned on real fraud
Modeled on billions of transactions, so Red really means risky.

One score. Three automatic outcomes.

Write the policy once. Every payout routes itself.

0 – 399
RED
Hold the payout
Blocked automatically
400 – 699
AMBER
Step up or review
Routed to an analyst
700 – 1000
GREEN
Release the funds
No human in the loop
Coming soon

ACS Reasons: the why behind every score.

A number moves money. A reason defends the decision. Every score will ship with explainable reasons, grouped by the signal that drove it, readable by an analyst or an agent.

735Green+ Reasons
Low riskConsistent amounts, in line with transaction history
Low riskMature account with established payment history
InfoPayments to a relatively limited set of counterparties
Every reason names the signal family that moved the score.
Eight signal familiesHigh-risk & low-risk signalsInformational signals
Transaction pattern similarity
Behavior matched against known fraud cohorts.
Account maturity
How established the payment history is.
Activity & dormancy
Recency and continuity of transactions.
Counterparty diversity
Breadth of financial relationships.
Payment activity volume
Throughput, returns and counterparty history.
Payment pattern consistency
Amounts and cadence versus history.
Account structure
Structural fingerprints versus known cohorts.
Behavioral anomalies
Unexpected behavior behind the final verdict.