Non-Bank Settlement Attestation

Settlement ROI Calculator

Select a business profile, enter your assumptions, and compare economics across all three pricing models - standard infrastructure, performance-based savings, and hybrid.

Industry Fraud Context

Know your sector's baseline before you run the numbers.

The ROI calculator below uses your institution's specific payment volume and fraud rate. The industry figures on this page provide a sourced baseline for each sector -- so you can compare your own leakage to the documented sector average, and understand how much of that leakage is structurally preventable at the pre-settlement verification layer.

Banking
$30B+
~100% attributable to absent settlement gate
Sector baseline: 79% of organizations experienced payments fraud in 2024. Wire transfers are now the top BEC target, with fraud recovery rates at 18% -- down from 41% two years ago.
  • BEC: 63% of organizations cite as primary fraud vector
  • Check fraud: projected $24B+ in 2024, 10% YoY increase
  • Wire fraud: most common high-value BEC target in 2024
  • Recovery rate: 18% average across all banking payment fraud
  • JIL mechanism: beneficiary binding, BEC structural block, duplicate detection
Healthcare / Medicare / Medicaid
$87.1B
~100% attributable to documentation gap and absent pre-payment gate
Sector baseline: CMS reported $87.1B in improper payments in FY2024 across Medicare, Medicaid, CHIP, and ACA programs. Medicare Fee-for-Service: 7.66% improper payment rate for the eighth consecutive year above this threshold.
  • 79% of Medicaid improper payments: insufficient documentation (CMS FY2024)
  • Medicare FFS: $31.7B improper -- 7.66% of total disbursements
  • GAO: 100+ CMS recommendations unimplemented including pre-payment review
  • JIL mechanism: SDV documentation binding, provider enrollment check, claim corridor enforcement
Insurance (Non-Healthcare)
$221.5B
~85-90% attributable to absent settlement-layer verification
Sector baseline: The Coalition Against Insurance Fraud estimates $308.6B in total annual U.S. insurance fraud. P&C fraud alone accounts for $45B. Approximately 20% of all insurance claims filed are estimated to be fraudulent.
  • 20% of all claims: estimated fraudulent (CAIF 2024)
  • 10% of P&C losses: attributable to fraud (FBI estimate)
  • 63% of fraud investigators: fraudsters exploit post-disaster claim surges
  • Typical SIU recovery: cents on the dollar; most fraud clears before flagged
  • JIL mechanism: contractor credentialing, SDV binding, post-disaster anomaly detection
Credit Card / Payment Networks
$145.6B
~70% attributable to reversible settlement architecture
Sector baseline: Mastercard estimates $117.5B in annual chargeback losses. Card networks and major processors estimate that 70% of chargebacks are fraudulent misuse rather than legitimate consumer protection.
  • 70% of chargebacks: fraudulent misuse, not legitimate disputes
  • Dispute rates: up 78% YoY in Q3 2024 (Sift Global Network)
  • Visa pilot: 54% of fraud passed through existing detection layers
  • Merchant fraud cost: $4.61 per $1 of fraud including fees and labor
  • JIL mechanism: proof-backed finality, fraudulent reversal blocked, BEC vendor protection
What the Calculator Assumes
The ROI model below uses your institution's specific annual payment volume and historical fraud / leakage rate. JIL's improvement assumption -- the percentage of your current leakage that pre-settlement attestation prevents -- is configurable. The industry-level estimates above suggest 70-100% of sector fraud is structurally preventable at the verification layer.
Pre-fill from your sector
The business type selector in the calculator below pre-fills typical fraud rates and improvement assumptions for each sector. Banking and healthcare defaults use the documented sector averages above. Adjust downward for conservative estimates, or use your own historical leakage data for the most accurate projection.

Why Post-Settlement Detection Is Losing

  • Recovery rates falling -- only 22% of organizations recovered 75%+ of fraud losses in 2024, down from 41% in 2023 (AFP)
  • Real-time payments -- FedNow and RTP eliminate the 1-3 day recovery window that ACH fraud still allows
  • AI-powered fraud -- Mastercard's 2026 payments fraud report: fraudsters now use AI marketing platforms to target victims at industrial scale
  • Detection lag -- Visa's pilot shows 54% of fraud passes sophisticated existing systems; adding more detection layers yields diminishing returns
  • The structural fix -- pre-settlement attestation is not another detection layer; it is a gate that stops the payment instruction before money moves

Sources: CMS HHS FY2024; AFP 2025 Payments Fraud and Control Survey; Mastercard 2024 Chargeback Field Report and 2026 Payment Fraud Report; Visa Payment Fraud Guide 2025; CAIF 2024; GAO FY2024; FRISS 2024.

Enter your assumptions

Select a business profile to pre-fill typical values, then adjust to match your environment.

Best for healthcare payers, TPAs, provider payment systems, claims settlement platforms, and insurer-to-provider payout environments.

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Results - All Three Pricing Models

Standard Performance Hybrid
Baseline
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Estimated annual savings with JIL---
JIL Value Capture (Year 1)
Implementation fee (one-time)---
Annual license fee---
Settlement fee revenue---
Performance fee revenue---
Total first-year JIL value capture---
Client Economics
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Client ROI multiple---
Five-Year Totals
Five-year client savings---
Five-year JIL value capture---
Five-year client net benefit---

Five-Year Proforma (Hybrid Model)

Same leakage rate and improvement rate applied as payment volume grows annually by your selected growth assumption.

Year Payment Volume Client Savings JIL Value Capture Client Net

How JIL Settlement Works

What JIL is: a settlement attestation and payment integrity layer that verifies identity, policy, compliance, and destination approval before final release of funds.

What JIL is not: a bank, a card network replacement, or a custody platform. Funds remain inside existing bank-controlled or processor-controlled systems.

Commercial flexibility: clients can buy JIL as recurring infrastructure, as a performance-based savings engine, or as a hybrid model combining both.

Performance pricing: savings measured against a trailing 3-to-5-year baseline of fraud, leakage, incorrect payments, and avoidable payout errors, subject to agreed audit methodology.

Why this matters: institutions can add a verification and verification layer immediately before settlement - the most defensible control point - without replacing their current stack.

Executive takeaway

At basis-point pricing or a negotiated share of verified savings, JIL is designed to pay for itself while reducing leakage and securing the most important moment in finance: final settlement.

This material is for business planning and discussion purposes only. It is not financial, legal, or investment advice. All outputs are scenario-based estimates dependent on client data, baseline methodology, and final contract terms. Patent pending. Geographic references reflect international operating context.