Scenario: Offshore Company Ownership

The 50-percent-rule scenario: ownership screening catching what name screening misses.

The setup

An offshore company opens a payment relationship with your agent. The company name is not on the SDN list. Its sole owner is a blocked person.

The gap

Name-only screening passes the company — no match. The 50-percent rule makes the company itself blocked, but only ownership screening reveals it.

The resolution

1. Entity screening surfaces the owner
2. The 50% aggregate check triggers
3. The company is treated as blocked
4. The payment is refused and documented

The takeaway

Wallet + name screening is the first layer; ownership is the second. The 50-percent rule closes the shell-company gap.