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Risk rating

Risk rating helps determine whether an account, beneficiary, route, or payment can proceed automatically or requires additional review.

Factors​

Risk may be influenced by:

  • Business type.
  • Industry.
  • Jurisdiction.
  • Expected and actual transaction volume.
  • Beneficial ownership structure.
  • Payment purpose.
  • Corridor.
  • Beneficiary type.
  • Historical activity.
  • Screening results.
  • Partner risk assessment.

How risk is assessed today​

CashXChain's own assessment is the onboarding pre-check: it returns pass, review or block for a business, from its jurisdiction and industry. Risk rating beyond that — enhanced due diligence, monitoring, restrictions — is our banking partner's, under its own policies. The API exposes no risk tier.

Dynamic changes​

Risk rating may change over time based on new documents, volume changes, ownership changes, new corridors, alerts, or partner feedback.

Developer implications​

Your integration should handle:

  • An account put on hold — payouts refused with 403 account_on_hold.
  • A payout that fails after it was accepted — status failed.
  • A KYB application that stays in_review for days.
  • A payee the receiving bank does not recognise — 422 payee_name_mismatch.

See Errors for every refusal and what to do about it.

Do not assume that a previously successful route will always remain available.