NewSkim-signature model v2 is in general availability

Read the terminal.
Catch the skim.

Skimming is a device crime, and transaction models are blind to it. ATMList watches 2.1M ATMs for hardware and read-pattern signatures, then scores every withdrawal in the authorization path — under 40 ms, with the evidence attached.

  • 2.1M terminals monitored
  • 70+ markets live
  • <40 ms P50 decision
console.atmlist.com/cases/ATM-EV-4471live

Detection case

ATM-SG-0182

Raffles Place MRT · Singapore · opened 03:14:07 SGT

Terminal risk

0.94

threshold 0.80Block + dispatch
  1. 03:14:07Terminal telemetry

    Service door opened

    Out-of-window access with no work order on file.

  2. 03:14:41Card reader

    Read-pattern shift

    Magnetic-stripe read failures up 6× on this terminal.

  3. 03:15:02Device graph

    Skim kit signature matched

    Hardware profile matches kit family B-112, seen in 14 markets.

  4. 03:15:09detect-2

    Terminal risk 0.94

    Above the block threshold of 0.80 set by the issuer policy.

  5. 03:15:11Decision

    Withdrawals blocked, field team dispatched

    38 ms response · evidence pack attached to the case.

Blocked before first cash-out6 artifacts · 4 signal sources · detect-2 · 38ms
94%
Of known kits caught
Before first cash-out
<40ms
P50 decision time
Inside the auth path
2.1M
Terminals monitored
70+ markets
8×
Faster investigations
Cases assembled by agents
Products

Everything you need to reason about the device.

Legacy fraud models score the transaction. ATMList scores the machine that produced it — the reader surface, the door events, the dispense pattern, the kit families seen before.

Real-time scoring

Score the withdrawal, not the cardholder.

Every authorization reaches detect-2 before the cash leaves the slot: terminal risk, reason codes, and allow, step up, or block in under 40 ms.

  • Allow, step up, or block in the auth path
  • Reason code on every decision
  • No terminal agent, no hardware change

Authorization stream

POST /v1/score/withdrawal

model detect-2

P50

38 ms

Requests / h

184,200

  • ATM-SG-0182SGD 300
    Raffles Place · SingaporeKIT_SIGNATURE
    risk 0.94BLOCK
  • ATM-HK-4410HKD 5,000
    Central · Hong KongDOOR_OUT_OF_WINDOW
    risk 0.71STEP_UP
  • ATM-PH-2204PHP 20,000
    Makati · ManilaCASH_TRAP_PATTERN
    risk 0.88BLOCK
  • ATM-GB-3381GBP 200
    Croydon · LondonGEO_VELOCITY
    risk 0.44STEP_UP
  • ATM-JP-0917JPY 50,000
    Dogenzaka · Tokyo—
    risk 0.18ALLOW
126 blocked this hourreq_8f2c91a4
Device signatures

One kit, many machines.

Watched terminals report reader and door telemetry. The device graph matches one hardware fingerprint to the same kit family across markets.

  • Kit families with first-seen market
  • Cash-out attempts per family
  • Fingerprints correlated across markets

Kit families

18 active · 29 terminals matched

GET /v1/signatures

  • B-112first seen Manila · Nov 2025
    0.94
    terminals
    14
    cash-out attempts
    37
    markets
    14
  • B-093first seen Lisbon · Aug 2025
    0.88
    terminals
    9
    cash-out attempts
    21
    markets
    4
  • S-204first seen São Paulo · Feb 2026
    0.81
    terminals
    6
    cash-out attempts
    12
    markets
    3

Correlated fingerprints

  • fp_7c31a9ATM-PH-2204ManilaB-112
  • fp_7c31a9ATM-HK-4410Hong KongB-112
  • fp_7c31a9ATM-SG-0182SingaporeB-112
  • fp_2b80deATM-PT-0517LisbonB-093
Fleet exposure

Rank the fleet before the cash-out.

Every market returns monitored terminals, compromised count, exposure band, and the last sweep, so field teams visit the right machines first.

  • Per-market exposure bands
  • Compromised counts and last sweep
  • Sweep order for field teams

Fleet exposure

70+ markets · 2.1M terminals monitored

last sweep 03:40 UTC

  • Singapore

    38,420
    terminals
    12
    compromised
    swept
    03:40 SGT
    high
  • Manila

    26,880
    terminals
    8
    compromised
    swept
    02:54 PHT
    high
  • Hong Kong

    41,150
    terminals
    7
    compromised
    swept
    03:12 HKT
    elevated
  • Tokyo

    112,600
    terminals
    2
    compromised
    swept
    03:31 JST
    low
  • London

    63,240
    terminals
    1
    compromised
    swept
    02:20 GMT
    low
exposure bands · low · elevated · highGET /v1/terminals?compromised=true
How it works

Two kinds of decisions. One model stack.

Real-time scoring decides in the authorization path. Agents do the deliberate work: pulling terminal history, correlating devices across markets, and closing the case with the evidence attached.

Real-time withdrawal scoring

Every authorization scored in under 40 ms for read-pattern, velocity, and terminal-risk signatures — allow, step up, or block.

Decision
allow · step_up · block
Latency P50
38 ms
Reason codes
READ_ANOMALY · KIT_SIGNATURE · DOOR_OUT_OF_WINDOW · CASH_TRAP_PATTERN
Model
detect-2
Capabilities

Built for the terminal, not the spreadsheet.

Detection primitives that map to how skimming actually works: hardware on the reader, patterns in the reads, and money leaving through a compromised dispenser.

Skimmer & shim detection

Per-terminal device telemetry and reader-surface vision flag overlay, insert, and deep-insert hardware within minutes of installation.

Real-time withdrawal scoring

Every authorization scored in under 40 ms for read-pattern, velocity, and terminal-risk signatures — allow, step up, or block.

Cross-terminal correlation

The same card, kit signature, or cash-out pattern across 40 terminals becomes one case instead of 40 disconnected alerts.

Cash-trap & jackpotting signals

Dispense failures, retract anomalies, and out-of-window service events are read as device compromise, not as noise.

Evidence packs

Artifacts, timelines, terminal history, and neighbor terminals exported as a case file your analysts and law enforcement can use.

Explainable decisions

Every block carries a reason code, a confidence score, and the signal that triggered it — defensible to the network and to the customer.

Investigations

Unstructured signals, structured cases.

A blocked withdrawal is not an outcome, it is a clue. Agents collect the artifacts, correlate the terminal's history, and hand your analysts a case they can defend to the network.

ATM-EV-4471

Terminal
ATM-SG-0182
Location
Raffles Place MRT · Singapore
Opened
03:14:07 SGT
Terminal risk
0.94
Decision
Block + dispatch
Latency
38 ms
Model
detect-2
  1. 03:14:07Terminal telemetry

    Service door opened

    Out-of-window access with no work order on file.

  2. 03:14:41Card reader

    Read-pattern shift

    Magnetic-stripe read failures up 6× on this terminal.

  3. 03:15:02Device graph

    Skim kit signature matched

    Hardware profile matches kit family B-112, seen in 14 markets.

  4. 03:15:09detect-2

    Terminal risk 0.94

    Above the block threshold of 0.80 set by the issuer policy.

  5. 03:15:11Decision

    Withdrawals blocked, field team dispatched

    38 ms response · evidence pack attached to the case.

Blocked before first cash-out

6 artifacts · 4 signal sources

Benchmarks

More kits caught, fewer good customers blocked.

Measured against production rule engines and transaction-only models on known skimming incidents across 70+ markets.

Rule engine

Fixed thresholds on amount, market, and velocity.

Recall41%
False positives6.8%

Transaction-only model

Sequence model over the withdrawal, no device signal.

Recall68%
False positives4.1%

ATMList detect-2

Device telemetry, read patterns, and kit signatures in the auth path.

Recall94%
False positives0.9%

Basis · known skimming incidents · 70+ markets

Deployment
01

Connect the feeds

Point us at your authorization stream and terminal inventory. No terminal agent, no hardware, no rip-and-replace.

02

Score in the path

Each withdrawal returns allow, step-up, or block with a reason code and the terminal risk that produced it.

03

Close the case

When a terminal is compromised, agents assemble the evidence and open a case with the team that can act on it.

Who it is for

Every team that owns cash risk.

Issuer authorization, network integrity, fleet operations, and the analysts who have to explain a block at 2 a.m.

Banks & fleet operators

Rank every terminal by compromise probability and cash-out exposure, then dispatch field teams in the right order.

Fleet exposure

2.1M terminals · 70 markets

  • Singapore

    38,420
    terminals
    12
    compromised
    swept
    03:40 SGT
    high
  • Manila

    26,880
    terminals
    8
    compromised
    swept
    02:54 PHT
    high
  • Hong Kong

    41,150
    terminals
    7
    compromised
    swept
    03:12 HKT
    elevated
  • Tokyo

    112,600
    terminals
    2
    compromised
    swept
    03:31 JST
    low
  • London

    63,240
    terminals
    1
    compromised
    swept
    02:20 GMT
    low
last sweep 03:40 UTCGET /v1/terminals?compromised=true

Fleet hardening

Rank every terminal by compromise probability and cash-out exposure, so field teams visit the right machines in the right order.

3.4×faster field response

Network compliance

Report skimming incidents and terminal-risk decisions in the format your network and regulator already expect.

Loss attribution

Attribute skimming losses to terminals, markets, and device families instead of to a BIN and a shrug.

Shared device intelligence

Kit signatures contributed by the whole network, so hardware seen in Manila flags in Lisbon.

Step-up actions

Hold, limit, or step up withdrawals per terminal without shipping a code change to the switch.

Customers

What changes in the first quarter

We were live on terminal scoring in six weeks. The first compromised fleet it found paid for the year.
Richard Gray · Director of Card Products · Monzo
We challenge the terminal now, not the customer. Skimming disputes fell by a third in the first quarter.
Tom Higgins · VP Fraud & Financial Crime · Starling Bank
Device signatures across forty markets mean a kit that shows up in one city gets flagged in the next one.
Anika Patel · Head of Banking Partnerships · Wise
Every block arrives with a reason code and an evidence pack. Our analysts stopped guessing.
Marcus Lund · Senior Product Manager, Payments · Klarna

See your fleet the way a skimmer does.

Walk through live detections in your markets and leave with a sandbox key.