Shadow run
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Tekambi monitor
Lead flow waterfall — today's live data from avajobler
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Underwriting rules
v4.0 production decision tree — activated 2026-05-26
Pre-scorecard filters — applied before vendor waterfall
State allowlist
ABA blacklist · 1,349 entries
Employer blacklist · 1,995 entries
Email domain
SSN / ABA checks
Dedup · 1,365-day window
Delivery hours
Weekly
Bi-Weekly / Semi-Monthly
Scorecard Intake
DECLINE IF
Pay date ≠ Friday
OR work phone in blacklist
OR work phone in blacklist
Scorecard Intake
DECLINE IF
Work phone in blacklist
Pay date not checked
Pay date not checked
✕ Decline
↓ Ekata
✕ Decline
↓ Ekata
Gate 1 — Ekata
DECLINE IF
Score > 249
Gate 1 — Ekata
DECLINE IF
Score > 249
✕ Decline
↓ USIO
✕ Decline
↓ USIO
Gate 2 — USIO
DECLINE IF
Bad returns > 0
OR Returns > 1
OR Merchants > 5 AND addr match ≠ Match
OR Returns > 1
OR Merchants > 5 AND addr match ≠ Match
Gate 2 — USIO
DECLINE IF
Bad returns > 0
OR Returns > 2
OR Merchants > 5 AND addr match ≠ Match
OR Returns > 2
OR Merchants > 5 AND addr match ≠ Match
✕ Decline
↓ DataX
✕ Decline
↓ DataX
Gate 3 — DataX
DECLINE IF
Global result ≠ Y
OR Risk score < 795
OR Tier 4 / 5 / 6
OR BAV = No Data
OR Ekata > 219 AND FPD > 0
OR Risk score < 795
OR Tier 4 / 5 / 6
OR BAV = No Data
OR Ekata > 219 AND FPD > 0
Affordability
Ratio > 0.20 AND FPD > 1
OR Ratio > 0.20 AND multi-unit AND conv < 700
OR Ratio > 0.20 AND multi-unit AND conv < 700
Thin-file (v3.8)
Merchants = 0
AND (RS < 840 OR ratio > 0.15)
AND (DSLA = 0 OR DSLR = 0 OR RS < 800)
AND (RS < 840 OR ratio > 0.15)
AND (DSLA = 0 OR DSLR = 0 OR RS < 800)
Gate 3 — DataX
DECLINE IF
Global result ≠ Y
OR Risk score < 780
OR Ekata > 219 AND FPD > 0
OR Risk score < 780
OR Ekata > 219 AND FPD > 0
Affordability
Ratio > 0.20 AND FPD > 1
OR Ratio > 0.20 AND multi-unit AND conv < 700
OR Ratio > 0.20 AND multi-unit AND conv < 700
Thin-file (v3.8)
Merchants = 0
AND (RS < 840 OR ratio > 0.15)
AND (DSLA = 0 OR DSLR = 0 OR RS < 800)
AND (RS < 840 OR ratio > 0.15)
AND (DSLA = 0 OR DSLR = 0 OR RS < 800)
✕ Decline
✓ Purchase
✕ Decline
✓ Purchase
Semi-Monthly follows the Bi-Weekly path throughout. Merchants > 5 bypass: leads pass USIO gate if Ekata addr-to-name = Match.
Campaigns
Campaign configuration, credential management, and affiliate mapping
Campaign management
Configure campaigns, manage lender credentials, and control routing. Coming soon.
Tier A/B waterfall — v4.0 test
rootNodeID 1156 · 2026-05-12 00:00:45–07:18:15 CT · ~70 leads · live avajobler data
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