Transaction Adjudication Simulator Simulated
Configure a transaction and your institution's policy. TAL queries CHPE, reputation and graph signals and returns a pre-execution decision with reason codes.
Transaction
Institution policy thresholds
Decision
Reject
Block and report
Risk score
900/1000
Evaluated in 61 ms (illustrative) · ledger fingerprint f81b5b52b3b1e5b2edc9…
Reason codes
- CSD-BEH-012 First-time payee for this sender
- CSD-BEH-004 Transaction outside sender’s usual hours
- CSD-DEV-007 Unrecognised device fingerprint
- CSD-TEL-001 SIM swap on sender number within 24h (cross-sector link)
- CSD-HYG-021 Sender cyber-hygiene score is 53 (Weak)
- CSD-HYG-022 Receiver cyber-hygiene score is 33 (Critical)
- CSD-CIN-030 Receiver on community-validated watchlist (reputation-weighted)
- CSD-GRF-009 Receiver within 2 hops of a known mule cluster
- CSD-OVR-001 Hard override: sanctioned/watchlisted destination
Counterfactual: Would be approved if risk fell below 250; removing the top reason (CSD-BEH-012) would reduce the score by roughly 198 points.
Score composition
| Component | Weight | Signal | Points |
|---|---|---|---|
| ML behavioural risk | 0.4 | 100% | 400 |
| CHPE hygiene exposure | 0.2 | 55% | 110 |
| Reputation-weighted intel | 0.15 | 100% | 150 |
| Graph proximity | 0.15 | 70% | 105 |
| Context (amount/channel) | 0.1 | 40% | 40 |
| Validator endorsement (reduces) | -0.1 | 80% | -80 |
Weights are demonstration values.