Learn
How Paycheck screens remote deposits for forged images, recycled MICR, amount mismatches, and return risk before any crypto leaves treasury.
Fraud checking is not a single checkbox. It is a stack of image quality, MICR parsing, duplicate detection, amount reconciliation, and post-clearance payout rules. Links below go to the primary banking and supervisory sources behind those controls.
Routing, account, and check serial must parse cleanly. We flag mismatched digits, incomplete lines, and numbers that do not match ABA routing rules.
The same MICR fingerprint should not clear twice. We compare new scans against prior presentments and image fingerprints so altered serials or metadata edits are harder to recycle.
Quality gates catch glare, blur, cropped corners, and weak MICR before OCR. Low confidence scans are steered into paid manual review instead of silent auto-accept.
Courtesy amount and legal amount should agree. Large gaps, missing dollars, or OCR that only locks a check number (not the dollar box) raise the risk score.
NSF, stop payment, altered item, and unauthorized return codes must fail the deposit if crypto was never released. Settlement comes first. Payout comes second.
Live camera locks, field confidence scores, and a clear manual review option when OCR is unsure. Nothing is presented as cleared cash until banking rails settle.
Paid review requests with bank choice, check photos, wallet address, and a Solscan link for the fee transfer. Approve or reject from the operator console.
We do not advance SOL or USDC against an uncleared item. A returned check after payout would strand the platform. That is why clearance is a hard gate.