Tune PRAL thresholds, payment rail eligibility, fraud triggers, and grade cutoffs. These rules determine how capital moves through your portfolio. Changes take effect immediately.
PAYMENT RAIL ELIGIBILITY BY GRADE
Which grades get which rails?
Higher grades qualify for faster (and more expensive) payment rails. You control the cutoffs.
GRADE A
All rails
GRADE B
ACH + Wire
GRADE C
ACH only
GRADE D/F
SUSPENDED — Manual review required
Blocked
PRAL DECISION THRESHOLDS
When does PRAL RELEASE vs HOLD?
Set the minimum credit score for automatic release. Below this threshold, payments go to manual review.
AUTO RELEASE
65
Score ≥
MANUAL REVIEW
40
Score ≥
AUTO HOLD
Below manual review threshold → automatic HOLD
Default
FRAUD TRIGGER SENSITIVITY
How sensitive should fraud detection be?
Higher sensitivity catches more patterns but may produce false positives. Lower sensitivity reduces noise but may miss signals.
CLUSTER THRESHOLD
3 vendors
Min cluster size
CORRELATION
70%
Min correlation
AUTO ESCALATE
On detection
DRAW APPROVAL RULES
What grade gets auto-approved?
Set the minimum governance credit grade required for automatic draw approval without manual review.
AUTO APPROVE
Current
REQUIRE SAM.GOV
For draws
BLOCK EXCLUDED
Always
MARKETPLACE CONTRACT ELIGIBILITY
Minimum grades for contract adoption
Set the governance credit grade required for entities to adopt specific contract types in the marketplace.