We work with our members on the types of indicators they need from a score to come back into their system. They help define the requirements. We run those through algorithms that then provide, effectively, a caution to perhaps not proceed, a yellow to please investigate or a green zone for them to adjudicate. Those types of scores get ingested in our participants' prepayment initiation fraud checks.
Before they send a payment through the RTR, they have all of their internal systems. Let's say you're a bank or a fintech. They would run through that and make a decision, using algorithms, to proceed with the payment or not. It allows them to hold the payment and do further investigation or reject the payment because it's been identified as fraud.