Each deposit is under the reporting threshold, so each one passes on its own. Together they are a reporting obligation. The question a regulator asks two years later is not whether you had a rule. It is which rule was running that day, and whether it ran.
Three cash deposits from one customer, across one day. Drag any of them.
Aggregate under threshold.
That last block is the point. It is what you hand a regulator to show which rule was in force when the decision was made.
Synthetic figures, running in this browser. The arithmetic is the same as the open-source gate: integer cents, a rolling 24-hour window, and a single deposit at or over the threshold reported in its own right rather than counted as a structuring catch.
Summing deposits and comparing to a threshold is arithmetic. Every transaction monitoring product has done it since the 1990s, and a rule that holds everything scores a perfect catch rate. The number that decides whether a rule can go anywhere near production is the second one: the market traders, restaurants and car washes whose ordinary Tuesday looks exactly like structuring.
That rule is not deployable as written, and that is the finding. Bringing the false-hold rate down without losing the catch rate is the actual work, and it can only be done against a real institution's transaction mix. That is what a pilot is for.
When a person applied the policy, the file showed their reasoning. When a model drafts the assessment, the same question is harder to answer: which policy version did it use, was it the one in force that day, and would it give the same answer if asked again.
EcoKure sits beside the existing process and answers those three questions for every decision. It does not replace transaction monitoring and makes no suspicion determination.
What this is not. It is not an AML system. It makes no suspicion determination, files nothing, and does not replace transaction monitoring or a reporting obligation. The threshold and window shown here are one configured rule for demonstration, not AUSTRAC guidance. Every figure on this page comes from synthetic data; catch and false-hold rates depend entirely on a real institution's transaction mix. EcoKure holds no AUSTRAC or APRA approval and this page is not compliance advice.