detecting a risky wallet after payment settles is useful. identifying that risk before funds move is a much harder problem. this is what makes @zerufinance's integration with ChangeNOW interesting. phase 1 is live: zScore evaluates wallet behavior for post-settlement screening on ChangeNOW / NOWPayments. phase 2 targets real-time, pre-transaction scoring across a network of 200k+ merchants. but faster scoring alone isn't enough. the system needs current transaction data, explainable risk signals and reliable handling of incomplete wallet histories. ZeruAI already operates behavioral scoring APIs and separate zScreen fund-flow analysis, but these signals aren't automatic compliance clearance. false positives could block legitimate payments. delayed detection could limit risk prevention. to me, the real test isn't how many wallets ZeruAI can score. it's whether those scores improve actual payment decisions without introducing unnecessary friction.