{
  "model": "grayson-1",
  "state": {
    "platform": {
      "who_we_are": "A consumer fintech app: a spending account held at our partner bank, a Visa debit card, instant transfers to and from linked debit cards and bank accounts, and a rewards program.",
      "review_queue": "Rewards risk review. A reward goes to this queue instead of being paid when a rewards rule fires on it; analysts pay, keep holding, deny, or deny and close.",
      "customer_base": "About 1.9 million funded accounts; 41,000 rewards paid in September 2026."
    },
    "promotion_terms": {
      "name": "Fall new-customer bonus, campaign FALL150 (2026-08-20 to 2026-10-31; was $100 before 2026-08-20)",
      "reward": "$150 sign-up bonus",
      "how_to_qualify": "Open your first account with us during the campaign, verify your identity, and receive qualifying direct deposits totaling at least $1,000 within 60 days of opening.",
      "qualifying_direct_deposit": "An ACH credit from an employer, payroll provider or government benefits payer. Transfers from your own accounts at other institutions, P2P payments, merchant payouts and cash loads don't qualify.",
      "limits": "One account and one sign-up or referral reward per person, for new customers only. Not available if you have had an account with us before.",
      "timing": "Paid within 5 business days after the deposit that completes the requirement, unless held for review. If you close the account within 90 days of opening, we may deduct the bonus.",
      "our_rights": "We may withhold or reverse the bonus, and close accounts under the account agreement, if we find multiple accounts, fraudulent or staged qualifying activity, or other abuse of these terms."
    },
    "program_baselines": {
      "bonuses_paid": 64200,
      "recipients_moving_over_90pct_of_qualifying_deposits_out_within_48h_pct": 34,
      "recipients_still_active_90_days_after_bonus_pct": 61,
      "recipients_acquired_through_deal_and_affiliate_sites_pct": 22,
      "held_signup_bonuses_confirmed_as_abuse_pct": 17
    },
    "legend": {
      "ach": "SEC code PPD = consumer credit or debit originated by a company (payroll and benefits use it); company_name and entry_description are the originator's fields (16 and 10 characters); individual_name is the receiver's name as the originator sent it",
      "device_check": "From our device intelligence vendor at each session: device_id is a hardware-level fingerprint that survives app reinstalls; emulator, app_cloner, rooted and mock_location are detections with confidence; accounts_on_device counts our accounts seen on the same device_id",
      "ip_check": "From our IP intelligence vendor: connection type, ISP, geolocation and proxy score (0 to 100, higher means more likely a proxy, VPN or hosting network)",
      "rewards_risk_score": "Our rewards risk model, 0 to 100; rewards at 60 or above are held automatically"
    },
    "account": {
      "account": "x6127",
      "name": "Andre Castillo",
      "opened": "2026-08-25T02:06:48Z",
      "status": "Open; bonus held",
      "acquisition": "Affiliate link from a bank-bonus deals site, 4 days after the bonus rose from $100 to $150",
      "stated_occupation": "Auto body technician",
      "stated_employer": "Not asked at sign-up",
      "date_of_birth": "1994-06-30",
      "address": "Apartment, Phoenix AZ 85033",
      "identity_verification": {
        "method": "Database verification (no document or selfie required for accounts under our limits)",
        "result": "Pass: name, date of birth and SSN found together in credit-header records",
        "detail": "SSN first seen with this name in 2012; credit file since 2013 with an auto loan and two cards; address matches since 2024-02"
      },
      "email": {
        "address": "andre.castillo.az@example.com",
        "check": "Free webmail; first seen 2016; linked to commerce and social accounts; name matches"
      },
      "phone": {
        "number": "(602) 555-0183",
        "check": "Mobile, postpaid; in his name since 2020; no recent port"
      },
      "signup_device": {
        "device_id": "dfp_c40e9b17a6",
        "reported_as": "Android 16, Samsung Galaxy S22",
        "emulator": "Not detected",
        "app_cloner": "Not detected",
        "rooted": "No",
        "mock_location": "Off",
        "device_time_zone": "America/Phoenix",
        "accounts_on_device": 2,
        "reset_history": "No factory reset: the same OS install ID since 2025-05-03; our app was deleted on 2025-08-27 and installed again on 2026-08-24"
      },
      "signup_ip": {
        "ip": "198.51.100.177",
        "check": "Residential cable ISP, Phoenix AZ, proxy score 4; used by this account since 2026-08-24 and by x0583 (Daniela Moreno) on 9 days in 2025"
      }
    },
    "devices": [
      {
        "device_id": "dfp_c40e9b17a6",
        "first_seen": "2025-05-03T22:15:40Z",
        "last_seen": "2026-10-05T03:12:09Z",
        "detections": "None",
        "accounts_on_device": "This account since 2026-08-24; x0583 Daniela Moreno from 2025-05-03 to 2025-08-26 (closed); not seen on our app between 2025-08-26 and 2026-08-24"
      }
    ],
    "sessions_and_events": {
      "columns": [
        "ts",
        "event",
        "device_id",
        "ip",
        "detail"
      ],
      "rows": [
        [
          "2026-08-25T01:52:48Z",
          "Install attributed",
          "dfp_c40e9b17a6",
          "198.51.100.177",
          "App installed from an affiliate link on a bank-bonus deals site ('Best checking bonuses this fall' page), clicked 2026-08-24T01:49Z"
        ],
        [
          "2026-08-25T02:06:48Z",
          "Account opened",
          "dfp_c40e9b17a6",
          "198.51.100.177",
          "Sign-up form completed in 4 minutes 40 seconds; fields typed; identity verification passed"
        ],
        [
          "2026-08-25T02:11:30Z",
          "Bank account linked",
          "dfp_c40e9b17a6",
          "198.51.100.177",
          "External checking x2290 at a large national bank, through account aggregation; owner name ANDRE CASTILLO, match"
        ],
        [
          "2026-08-25T14:02:18Z",
          "Direct deposit form downloaded",
          "dfp_c40e9b17a6",
          "192.0.2.86",
          "Mobile carrier network, Phoenix AZ"
        ],
        [
          "2026-08-29T00:30:01Z",
          "Card activated",
          "dfp_c40e9b17a6",
          "198.51.100.177",
          "Physical card activated; added to Google Pay"
        ],
        [
          "2026-08-31T19:52:46Z",
          "Login",
          "dfp_c40e9b17a6",
          "192.0.2.86",
          "Mobile carrier network, Phoenix AZ"
        ],
        [
          "2026-09-05T04:47:02Z",
          "Login",
          "dfp_c40e9b17a6",
          "198.51.100.177",
          "Home connection"
        ],
        [
          "2026-09-09T14:25:10Z",
          "Login",
          "dfp_c40e9b17a6",
          "192.0.2.86",
          "Mobile carrier network, Phoenix AZ"
        ],
        [
          "2026-09-12T19:31:10Z",
          "Login",
          "dfp_c40e9b17a6",
          "198.51.100.177",
          "Home connection"
        ],
        [
          "2026-09-19T04:36:12Z",
          "Login",
          "dfp_c40e9b17a6",
          "198.51.100.177",
          "Viewed the bonus progress tracker: '$500 of $1,000'"
        ],
        [
          "2026-09-23T19:35:59Z",
          "Login",
          "dfp_c40e9b17a6",
          "198.51.100.177",
          "Home connection"
        ],
        [
          "2026-09-27T19:37:52Z",
          "Login",
          "dfp_c40e9b17a6",
          "198.51.100.177",
          "Home connection"
        ],
        [
          "2026-09-30T14:09:14Z",
          "Login",
          "dfp_c40e9b17a6",
          "198.51.100.177",
          "Home connection"
        ],
        [
          "2026-10-03T05:03:02Z",
          "Login",
          "dfp_c40e9b17a6",
          "198.51.100.177",
          "Viewed the bonus progress tracker: '$1,000 of $1,000, bonus on its way'"
        ],
        [
          "2026-10-05T03:23:21Z",
          "Login",
          "dfp_c40e9b17a6",
          "192.0.2.86",
          "Mobile carrier network, Phoenix AZ"
        ]
      ]
    },
    "funding_and_payout_methods": [
      {
        "method": "External checking x2290 (transfers in and out)",
        "added": "2026-08-24",
        "issuer": "Large national bank; owner name ANDRE CASTILLO verified by account aggregation",
        "used_on_our_platform": "Linked to this account only; the same numbers received a $676.19 'send to bank' payment from x0583 (Daniela Moreno) on 2025-08-26"
      }
    ],
    "transactions_since_open": {
      "note": "Every posted item since the account opened on 2026-08-24; amounts signed (debits negative)",
      "columns": [
        "ts",
        "type",
        "amount_usd",
        "balance_usd",
        "description",
        "detail"
      ],
      "rows": [
        [
          "2026-08-25T02:12:03Z",
          "bank_transfer_in",
          25,
          25,
          "Transfer from bank account x2290",
          "external checking at a large national bank, owner name ANDRE CASTILLO verified by account aggregation"
        ],
        [
          "2026-08-29T17:36:20Z",
          "card_purchase",
          -6.2,
          18.8,
          "CIRCLE K 2709832 PHOENIX AZ",
          "mcc 5499, Google Pay"
        ],
        [
          "2026-09-01T01:16:55Z",
          "card_purchase",
          -10.33,
          8.47,
          "TACO BELL #031240 PHOENIX AZ",
          "mcc 5814, Google Pay"
        ],
        [
          "2026-09-01T01:20:44Z",
          "bank_transfer_in",
          100,
          108.47,
          "Transfer from bank account x2290",
          "standard ACH"
        ],
        [
          "2026-09-01T16:45:46Z",
          "card_purchase",
          -6.5,
          101.97,
          "CIRCLE K 2709832 PHOENIX AZ",
          "mcc 5499, Google Pay"
        ],
        [
          "2026-09-03T15:00:00Z",
          "card_purchase",
          -12.99,
          88.98,
          "SPOTIFY USA NEW YORK NY",
          "mcc 5815, card on file, recurring"
        ],
        [
          "2026-09-04T18:26:02Z",
          "card_purchase",
          -13.66,
          75.32,
          "TACO BELL #031240 PHOENIX AZ",
          "mcc 5814, Google Pay"
        ],
        [
          "2026-09-07T18:00:24Z",
          "card_purchase",
          -46.66,
          28.66,
          "QT 1407 PHOENIX AZ",
          "mcc 5542, chip"
        ],
        [
          "2026-09-10T19:22:03Z",
          "card_purchase",
          -22.58,
          6.08,
          "AUTOZONE #3317 PHOENIX AZ",
          "mcc 5533, chip"
        ],
        [
          "2026-09-18T10:00:52Z",
          "ach_credit",
          500,
          506.08,
          "DESERT RIDGE COL PAYROLL",
          "SEC PPD; company_name DESERT RIDGE COL; entry_description PAYROLL; company_id 46xxxxx118; individual_name ANDRE CASTILLO"
        ],
        [
          "2026-09-19T04:37:05Z",
          "bank_transfer_out",
          -480,
          26.08,
          "Transfer to bank account x2290",
          "standard ACH, arrives next business day"
        ],
        [
          "2026-09-19T20:52:23Z",
          "card_purchase",
          -23.44,
          2.64,
          "FRYS-FOOD-DRG #0058 PHOENIX AZ",
          "mcc 5411, Google Pay"
        ],
        [
          "2026-09-26T03:02:10Z",
          "bank_transfer_in",
          150,
          152.64,
          "Transfer from bank account x2290",
          "standard ACH"
        ],
        [
          "2026-09-26T23:22:22Z",
          "card_purchase",
          -44.24,
          108.4,
          "FRYS-FOOD-DRG #0058 PHOENIX AZ",
          "mcc 5411, Google Pay"
        ],
        [
          "2026-09-28T18:40:54Z",
          "card_purchase",
          -11.87,
          96.53,
          "TACO BELL #031240 PHOENIX AZ",
          "mcc 5814, Google Pay"
        ],
        [
          "2026-10-02T01:54:37Z",
          "card_purchase",
          -7.7,
          88.83,
          "CIRCLE K 2709832 PHOENIX AZ",
          "mcc 5499, Google Pay"
        ],
        [
          "2026-10-02T10:00:52Z",
          "ach_credit",
          500,
          588.83,
          "DESERT RIDGE COL PAYROLL",
          "SEC PPD; company_name DESERT RIDGE COL; entry_description PAYROLL; company_id 46xxxxx118; individual_name ANDRE CASTILLO"
        ],
        [
          "2026-10-03T05:04:40Z",
          "bank_transfer_out",
          -560,
          28.83,
          "Transfer to bank account x2290",
          "standard ACH, arrives next business day"
        ],
        [
          "2026-10-03T15:00:00Z",
          "card_purchase",
          -12.99,
          15.84,
          "SPOTIFY USA NEW YORK NY",
          "mcc 5815, card on file, recurring"
        ],
        [
          "2026-10-04T03:37:57Z",
          "card_purchase",
          -6.15,
          9.69,
          "CIRCLE K 2709832 PHOENIX AZ",
          "mcc 5499, Google Pay"
        ]
      ]
    },
    "qualifying_deposit_originator": {
      "company_name": "DESERT RIDGE COL",
      "company_id": "46xxxxx118",
      "originating_bank": "A community bank in Arizona",
      "first_seen_on_our_platform": "2024-03-01",
      "accounts_credited": 4,
      "accounts_credited_that_opened_since_2026_09_01": 0,
      "credits": "Biweekly on Fridays; the other 3 accounts get varying amounts ($690 to $1,410); this account gets a fixed $500.00, which looks like a split deposit",
      "moved_out_within_30_minutes": "0 of 4",
      "comparison": "A small employer's payroll, paying 3 other customers since 2024."
    },
    "referral_graph": {
      "referrer": null,
      "note": "Not referred; this account has not referred anyone"
    },
    "linked_accounts": {
      "note": "Accounts sharing an attribute with x6127, from our link analysis",
      "columns": [
        "link",
        "accounts"
      ],
      "rows": [
        [
          "Same device_id dfp_c40e9b17a6",
          "x0583 Daniela Moreno, 2025-05-03 to 2025-08-26, closed by the customer"
        ],
        [
          "Same external bank account x2290",
          "x0583 sent her closing balance to it on 2025-08-26"
        ],
        [
          "Same acquisition source",
          "x0583 also came from the same deals site"
        ],
        [
          "Same IP",
          "x0583 logged in 9 times from 198.51.100.177 in 2025, this account's home IP now"
        ],
        [
          "Same address, phone, email or SSN",
          "None"
        ]
      ],
      "linked_account_detail": {
        "account": "x0583",
        "name": "Daniela Moreno",
        "opened": "2025-05-03",
        "closed": "2025-08-27, by the customer in the app ('I don't need a second account')",
        "acquisition": "Affiliate link from the same bank-bonus deals site (2025 spring bonus page)",
        "date_of_birth": "1997-02-09",
        "address": "Apartment, Mesa AZ 85201 (about 25 miles from this account's address in west Phoenix)",
        "identity_verification": "Pass by database verification, on two records: name, date of birth and SSN first seen together in 2025-04, a month before opening; SSN issued in Arizona; thin file (one store card opened 2025-04); different SSN, date of birth, phone and email from this account; no address in common in either identity's address history",
        "devices": "dfp_c40e9b17a6 (Samsung Galaxy S22) from 2025-05-03 to 2025-08-26; no other device",
        "ips": "Mostly a residential cable ISP in Mesa AZ and a mobile carrier network; 9 of its 64 logins, all evenings or weekends between 2025-06 and 2025-08, came from 198.51.100.177, the home IP this account uses now (west Phoenix)",
        "email": "dm.0503x@example.com: free webmail, first seen 2025-05-01 (two days before opening), no other history",
        "phone": "(480) 555-0129: prepaid mobile, first seen 2025-04-28; disconnected since 2025-09",
        "qualifying_deposits": "SONORAN GRILL GRP PAYROLL, biweekly, $412.18 to $633.90 (varied with hours); 7 credits from 2025-05-16 to 2025-08-08",
        "card_use": "72 purchases, all in Mesa and Tempe (groceries, fuel, coffee, pharmacy)",
        "reward": "$100 sign-up bonus paid 2025-06-20 (the campaign then); not clawed back (closed after 116 days)",
        "closing_activity": "On 2025-08-26 sent her remaining $676.19 by 'send to bank' to an external account entered by routing and account number; that account's numbers match x2290, which this account linked on 2026-08-24 as its own (owner ANDRE CASTILLO)"
      },
      "linked_account_transactions": {
        "note": "Every posted item on x0583 from opening to closing; amounts signed (debits negative)",
        "columns": [
          "ts",
          "type",
          "amount_usd",
          "balance_usd",
          "description",
          "detail"
        ],
        "rows": [
          [
            "2025-05-03T22:22:09Z",
            "bank_transfer_in",
            50,
            50,
            "Transfer from bank account x7711",
            "external checking at a credit union, owner name DANIELA MORENO verified by account aggregation"
          ],
          [
            "2025-05-07T01:14:04Z",
            "card_purchase",
            -33.4,
            16.6,
            "WALGREENS #12904 MESA AZ",
            "mcc 5912, Google Pay"
          ],
          [
            "2025-05-09T17:23:05Z",
            "card_purchase",
            -8.73,
            7.87,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-05-16T10:01:14Z",
            "ach_credit",
            412.18,
            420.05,
            "SONORAN GRILL GRP PAYROLL",
            "SEC PPD; company_name SONORAN GRILL G; entry_description PAYROLL; individual_name DANIELA MORENO"
          ],
          [
            "2025-05-17T17:48:09Z",
            "card_purchase",
            -7.35,
            412.7,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-05-17T19:59:09Z",
            "card_purchase",
            -19.81,
            392.89,
            "WALGREENS #12904 MESA AZ",
            "mcc 5912, Google Pay"
          ],
          [
            "2025-05-20T15:51:45Z",
            "card_purchase",
            -8.18,
            384.71,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-05-22T15:46:32Z",
            "card_purchase",
            -9.72,
            374.99,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-05-24T13:06:11Z",
            "card_purchase",
            -7.58,
            367.41,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-05-24T17:31:41Z",
            "card_purchase",
            -27.34,
            340.07,
            "CIRCLE K 2711406 MESA AZ",
            "mcc 5542, Google Pay"
          ],
          [
            "2025-05-25T15:12:40Z",
            "card_purchase",
            -6.77,
            333.3,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-05-25T23:48:19Z",
            "card_purchase",
            -33.11,
            300.19,
            "CIRCLE K 2711406 MESA AZ",
            "mcc 5542, Google Pay"
          ],
          [
            "2025-05-27T17:47:52Z",
            "card_purchase",
            -5.53,
            294.66,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-05-28T16:25:22Z",
            "card_purchase",
            -8.14,
            286.52,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-05-30T02:31:34Z",
            "card_purchase",
            -24.14,
            262.38,
            "CIRCLE K 2711406 MESA AZ",
            "mcc 5542, Google Pay"
          ],
          [
            "2025-05-30T10:01:14Z",
            "ach_credit",
            588.4,
            850.78,
            "SONORAN GRILL GRP PAYROLL",
            "SEC PPD; company_name SONORAN GRILL G; entry_description PAYROLL; individual_name DANIELA MORENO"
          ],
          [
            "2025-05-31T17:43:31Z",
            "card_purchase",
            -33.31,
            817.47,
            "FRYS-FOOD-DRG #0611 MESA AZ",
            "mcc 5411, Google Pay"
          ],
          [
            "2025-05-31T22:19:42Z",
            "card_purchase",
            -16.19,
            801.28,
            "ULTA BEAUTY #1188 TEMPE AZ",
            "mcc 5977, chip"
          ],
          [
            "2025-05-31T23:19:41Z",
            "card_purchase",
            -33.8,
            767.48,
            "CIRCLE K 2711406 MESA AZ",
            "mcc 5542, Google Pay"
          ],
          [
            "2025-06-04T20:15:03Z",
            "card_purchase",
            -34.24,
            733.24,
            "FRYS-FOOD-DRG #0611 MESA AZ",
            "mcc 5411, Google Pay"
          ],
          [
            "2025-06-06T16:13:22Z",
            "card_purchase",
            -35.21,
            698.03,
            "FRYS-FOOD-DRG #0611 MESA AZ",
            "mcc 5411, Google Pay"
          ],
          [
            "2025-06-07T03:11:05Z",
            "bank_transfer_out",
            -310,
            388.03,
            "Transfer to bank account x7711",
            "standard ACH"
          ],
          [
            "2025-06-07T16:08:13Z",
            "card_purchase",
            -26.88,
            361.15,
            "FRYS-FOOD-DRG #0611 MESA AZ",
            "mcc 5411, Google Pay"
          ],
          [
            "2025-06-08T16:31:15Z",
            "card_purchase",
            -7.81,
            353.34,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-06-08T19:40:23Z",
            "card_purchase",
            -36.8,
            316.54,
            "CIRCLE K 2711406 MESA AZ",
            "mcc 5542, Google Pay"
          ],
          [
            "2025-06-09T00:09:43Z",
            "card_purchase",
            -59.05,
            257.49,
            "FRYS-FOOD-DRG #0611 MESA AZ",
            "mcc 5411, Google Pay"
          ],
          [
            "2025-06-11T17:36:44Z",
            "card_purchase",
            -29.28,
            228.21,
            "CIRCLE K 2711406 MESA AZ",
            "mcc 5542, Google Pay"
          ],
          [
            "2025-06-13T10:01:14Z",
            "ach_credit",
            633.9,
            862.11,
            "SONORAN GRILL GRP PAYROLL",
            "SEC PPD; company_name SONORAN GRILL G; entry_description PAYROLL; individual_name DANIELA MORENO"
          ],
          [
            "2025-06-13T18:53:55Z",
            "card_purchase",
            -16.22,
            845.89,
            "TARGET 00021840 TEMPE AZ",
            "mcc 5310, chip"
          ],
          [
            "2025-06-15T17:45:33Z",
            "card_purchase",
            -8.12,
            837.77,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-06-15T17:46:36Z",
            "card_purchase",
            -45.16,
            792.61,
            "FRYS-FOOD-DRG #0611 MESA AZ",
            "mcc 5411, Google Pay"
          ],
          [
            "2025-06-20T11:00:00Z",
            "reward_credit",
            100,
            892.61,
            "Sign-up bonus",
            "new-customer bonus, spring 2025"
          ],
          [
            "2025-06-20T16:37:27Z",
            "card_purchase",
            -6.09,
            886.52,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-06-20T17:40:19Z",
            "card_purchase",
            -21.79,
            864.73,
            "CIRCLE K 2711406 MESA AZ",
            "mcc 5542, Google Pay"
          ],
          [
            "2025-06-21T14:28:28Z",
            "card_purchase",
            -9.01,
            855.72,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-06-21T16:43:38Z",
            "card_purchase",
            -38.35,
            817.37,
            "FRYS-FOOD-DRG #0611 MESA AZ",
            "mcc 5411, Google Pay"
          ],
          [
            "2025-06-23T15:26:08Z",
            "card_purchase",
            -8.07,
            809.3,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-06-27T10:01:14Z",
            "ach_credit",
            517.26,
            1326.56,
            "SONORAN GRILL GRP PAYROLL",
            "SEC PPD; company_name SONORAN GRILL G; entry_description PAYROLL; individual_name DANIELA MORENO"
          ],
          [
            "2025-06-28T17:49:53Z",
            "card_purchase",
            -8.34,
            1318.22,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-06-30T20:04:34Z",
            "card_purchase",
            -39.69,
            1278.53,
            "CIRCLE K 2711406 MESA AZ",
            "mcc 5542, Google Pay"
          ],
          [
            "2025-07-01T00:46:43Z",
            "card_purchase",
            -43.92,
            1234.61,
            "TARGET 00021840 TEMPE AZ",
            "mcc 5310, chip"
          ],
          [
            "2025-07-01T03:42:36Z",
            "card_purchase",
            -19.87,
            1214.74,
            "FRYS-FOOD-DRG #0611 MESA AZ",
            "mcc 5411, Google Pay"
          ],
          [
            "2025-07-04T03:11:05Z",
            "bank_transfer_out",
            -540,
            674.74,
            "Transfer to bank account x7711",
            "standard ACH"
          ],
          [
            "2025-07-05T17:20:20Z",
            "card_purchase",
            -55.98,
            618.76,
            "TARGET 00021840 TEMPE AZ",
            "mcc 5310, chip"
          ],
          [
            "2025-07-06T20:44:32Z",
            "card_purchase",
            -72.86,
            545.9,
            "FRYS-FOOD-DRG #0611 MESA AZ",
            "mcc 5411, Google Pay"
          ],
          [
            "2025-07-07T17:43:40Z",
            "card_purchase",
            -6.87,
            539.03,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-07-09T23:51:22Z",
            "card_purchase",
            -37.59,
            501.44,
            "FRYS-FOOD-DRG #0611 MESA AZ",
            "mcc 5411, Google Pay"
          ],
          [
            "2025-07-11T10:01:14Z",
            "ach_credit",
            466.03,
            967.47,
            "SONORAN GRILL GRP PAYROLL",
            "SEC PPD; company_name SONORAN GRILL G; entry_description PAYROLL; individual_name DANIELA MORENO"
          ],
          [
            "2025-07-11T13:00:35Z",
            "card_purchase",
            -6.95,
            960.52,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-07-12T17:31:51Z",
            "card_purchase",
            -7.47,
            953.05,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-07-12T22:08:58Z",
            "card_purchase",
            -63.34,
            889.71,
            "TARGET 00021840 TEMPE AZ",
            "mcc 5310, chip"
          ],
          [
            "2025-07-13T04:00:13Z",
            "card_purchase",
            -15.51,
            874.2,
            "WALGREENS #12904 MESA AZ",
            "mcc 5912, Google Pay"
          ],
          [
            "2025-07-15T01:54:25Z",
            "card_purchase",
            -67.27,
            806.93,
            "FRYS-FOOD-DRG #0611 MESA AZ",
            "mcc 5411, Google Pay"
          ],
          [
            "2025-07-20T02:54:31Z",
            "card_purchase",
            -43.37,
            763.56,
            "FRYS-FOOD-DRG #0611 MESA AZ",
            "mcc 5411, Google Pay"
          ],
          [
            "2025-07-20T16:46:45Z",
            "card_purchase",
            -5.66,
            757.9,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-07-21T01:44:07Z",
            "card_purchase",
            -23.2,
            734.7,
            "FRYS-FOOD-DRG #0611 MESA AZ",
            "mcc 5411, Google Pay"
          ],
          [
            "2025-07-21T13:12:53Z",
            "card_purchase",
            -8.15,
            726.55,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-07-21T23:57:02Z",
            "card_purchase",
            -46.08,
            680.47,
            "FRYS-FOOD-DRG #0611 MESA AZ",
            "mcc 5411, Google Pay"
          ],
          [
            "2025-07-23T13:18:39Z",
            "card_purchase",
            -5.89,
            674.58,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-07-24T17:16:53Z",
            "card_purchase",
            -84.98,
            589.6,
            "FRYS-FOOD-DRG #0611 MESA AZ",
            "mcc 5411, Google Pay"
          ],
          [
            "2025-07-25T10:01:14Z",
            "ach_credit",
            601.75,
            1191.35,
            "SONORAN GRILL GRP PAYROLL",
            "SEC PPD; company_name SONORAN GRILL G; entry_description PAYROLL; individual_name DANIELA MORENO"
          ],
          [
            "2025-07-27T16:46:41Z",
            "card_purchase",
            -10.09,
            1181.26,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-07-28T13:14:49Z",
            "card_purchase",
            -9.49,
            1171.77,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-07-31T15:55:11Z",
            "card_purchase",
            -8.41,
            1163.36,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-08-01T02:29:02Z",
            "card_purchase",
            -29.1,
            1134.26,
            "TARGET 00021840 TEMPE AZ",
            "mcc 5310, chip"
          ],
          [
            "2025-08-01T03:11:05Z",
            "bank_transfer_out",
            -510,
            624.26,
            "Transfer to bank account x7711",
            "standard ACH"
          ],
          [
            "2025-08-06T14:28:08Z",
            "card_purchase",
            -6.03,
            618.23,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-08-06T19:11:06Z",
            "card_purchase",
            -82.6,
            535.63,
            "TARGET 00021840 TEMPE AZ",
            "mcc 5310, chip"
          ],
          [
            "2025-08-07T00:35:20Z",
            "card_purchase",
            -59.59,
            476.04,
            "FRYS-FOOD-DRG #0611 MESA AZ",
            "mcc 5411, Google Pay"
          ],
          [
            "2025-08-08T10:01:14Z",
            "ach_credit",
            549.12,
            1025.16,
            "SONORAN GRILL GRP PAYROLL",
            "SEC PPD; company_name SONORAN GRILL G; entry_description PAYROLL; individual_name DANIELA MORENO"
          ],
          [
            "2025-08-09T21:06:24Z",
            "card_purchase",
            -35.23,
            989.93,
            "TARGET 00021840 TEMPE AZ",
            "mcc 5310, chip"
          ],
          [
            "2025-08-10T02:49:55Z",
            "card_purchase",
            -36.49,
            953.44,
            "FRYS-FOOD-DRG #0611 MESA AZ",
            "mcc 5411, Google Pay"
          ],
          [
            "2025-08-11T13:18:32Z",
            "card_purchase",
            -9.63,
            943.81,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-08-12T01:51:18Z",
            "card_purchase",
            -51.67,
            892.14,
            "FRYS-FOOD-DRG #0611 MESA AZ",
            "mcc 5411, Google Pay"
          ],
          [
            "2025-08-13T23:33:50Z",
            "card_purchase",
            -40.52,
            851.62,
            "ULTA BEAUTY #1188 TEMPE AZ",
            "mcc 5977, chip"
          ],
          [
            "2025-08-17T17:33:05Z",
            "card_purchase",
            -8.68,
            842.94,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-08-18T04:16:38Z",
            "card_purchase",
            -25.19,
            817.75,
            "WALGREENS #12904 MESA AZ",
            "mcc 5912, Google Pay"
          ],
          [
            "2025-08-19T14:44:45Z",
            "card_purchase",
            -9.95,
            807.8,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-08-19T19:51:26Z",
            "card_purchase",
            -39.8,
            768,
            "CIRCLE K 2711406 MESA AZ",
            "mcc 5542, Google Pay"
          ],
          [
            "2025-08-20T15:14:35Z",
            "card_purchase",
            -8.96,
            759.04,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-08-21T17:56:06Z",
            "card_purchase",
            -7.33,
            751.71,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-08-22T18:18:34Z",
            "card_purchase",
            -17.94,
            733.77,
            "WALGREENS #12904 MESA AZ",
            "mcc 5912, Google Pay"
          ],
          [
            "2025-08-24T20:30:23Z",
            "card_purchase",
            -49.86,
            683.91,
            "TARGET 00021840 TEMPE AZ",
            "mcc 5310, chip"
          ],
          [
            "2025-08-25T13:07:17Z",
            "card_purchase",
            -7.72,
            676.19,
            "DUTCH BROS #AZ0219 MESA AZ",
            "mcc 5814, Google Pay"
          ],
          [
            "2025-08-27T04:40:18Z",
            "send_to_bank",
            -676.19,
            0,
            "Send to bank: routing xxxxx0021, account x2290",
            "one-time payment to an account entered by number; recipient name entered 'Andre C'"
          ]
        ]
      }
    },
    "reward_history": {
      "this_account": "None before this bonus",
      "linked": "x0583 received a $100 sign-up bonus on 2025-06-20"
    },
    "customer_contact": [
      {
        "ts": "2026-10-05T16:20:11Z",
        "channel": "In-app chat",
        "account": "x6127",
        "summary": "Andre asked when his $150 bonus would arrive: 'Both deposits hit, 9/18 and 10/2, the tracker says done.' The agent said bonuses can take up to 5 business days."
      }
    ],
    "rules_fired": [
      "DEV-04 device previously used by another customer's account",
      "SUB-03 acquired through a deal or affiliate site and over 90% of qualifying deposits moved out within 48 hours",
      "SUB-05 linked device's earlier account received a sign-up bonus"
    ],
    "rewards_risk_score": 71,
    "reward_under_review": {
      "reward": "$150 sign-up bonus",
      "promotion": "Fall new-customer bonus, FALL150",
      "triggered_by": "DESERT RIDGE COL ACH credit of $500.00 posted 2026-10-02T10:00:52Z, completing $1,000 of qualifying direct deposits (SEC PPD)",
      "held_at": "2026-10-02T10:05:00Z",
      "reviewed_at": "2026-10-06T16:40:00Z",
      "balance_now_usd": 9.69
    }
  },
  "questions": {
    "abuse_likelihood": {
      "type": "score",
      "instructions": "From the promotion owner's point of view, how likely is it that this reward is being claimed through abuse: by someone the terms exclude (an extra account of a person who already has one, a self-referral), or through qualifying activity that was faked, staged or paid for with money that will be reversed? A customer who simply meets the terms, even one who joined mainly for the reward, is not abuse.",
      "criteria": [
        "Very unlikely (under 10%)",
        "Unlikely (10-40%)",
        "Uncertain (40-60%)",
        "Likely (60-90%)",
        "Very likely (over 90%)"
      ]
    },
    "abuse_pattern": {
      "type": "choice",
      "instructions": "Which best describes how this reward was earned?",
      "criteria": {
        "legitimate": "No abuse: an eligible customer earned the reward through genuine qualifying activity",
        "multi_accounting": "Multi-accounting: a person who already has or had an account with us opened another, under their own or someone else's identity, to claim a one-per-person reward again",
        "referral_ring": "Referral ring: referral rewards collected through referred accounts that the referrer controls or recruited only to collect the reward, however their qualifying activity was produced",
        "fake_offer_completion": "Faked qualifying activity outside a referral scheme: sign-up, offer or cash-back rewards earned with completions from bots, emulators or install farms, or with deposits or purchases staged only to trigger the reward and then reversed or moved straight back",
        "bonus_bust_out": "Bust-out: rewards collected and the balance cashed out with money that is later returned or charged back, leaving us with a loss",
        "other_abuse": "Another kind of abuse of the promotion terms"
      }
    },
    "linked_to_other_accounts": {
      "type": "noul",
      "instructions": "Is the account under review controlled by the same person as one or more other accounts on our platform? Judge from shared devices, payment and payout methods, addresses, phone numbers, emails and identity details. A shared public or mobile-carrier network, or a family member with their own identity, phone and payment methods, does not make it the same person."
    },
    "action": {
      "type": "choice",
      "instructions": "What should we do with the reward under review?",
      "criteria": {
        "pay": "Pay the reward now",
        "hold_for_review": "Keep holding the reward and send the account to an analyst, who may ask the customer for more information or verification, before paying or denying",
        "deny": "Deny this reward under the promotion terms and keep the account open",
        "deny_and_close": "Deny the reward, claw back other rewards earned the same way, and close the account and the accounts it controls under the account agreement"
      }
    }
  }
}