Re-score what was built to wait.

Run post-onboarding personhood checks at day 7, day 30 and day 90 to find identities that acquire a convincing history before the loss event.

Some identities are designed to look clean at origination. They add small credit lines, wait and return for a larger facility. Application-time evidence is a snapshot; Sleeper Watch adds the timeline.

A clean origination decision should not become a permanent identity verdict.

The output is structured for a decision engine and readable by the person who must review it later.

Day 7 change set
Day 7
Early device, contact and beneficiary changes are compared with the original application record.
Day 30 footprint
Day 30
Account activity, counterparties and new application links are assessed after the first operating month.
Day 90 maturity
Day 90
A later score tests whether a stable economic pattern formed or the identity remained manufactured and narrow.
Risk-tier event
Ongoing
Material changes can enter the institution's existing enhanced-due-diligence or periodic KYC workflow.

Sleeper Watch supplies an evidence change set between formal KYC events and helps direct the next review.

Preserve the baseline
The application-time decision becomes the reference point for later account evidence.
Schedule re-scoring
The institution selects checkpoints by product, segment and account risk tier.
Compare the delta
Only new contradictions, links and missing expected activity are ranked for review.
Route the case
The result can change a risk tier or open a Workbench case without taking automatic customer action.

We reproduce the signals available at the original decision time, then compare the ranked result with later confirmed outcomes.