> ## Documentation Index > Fetch the complete documentation index at: https://docs.amlok.io/llms.txt > Use this file to discover all available pages before exploring further. # AMLOK Signal > Portfolio monitoring and change-driven reassessment, funded from your prepaid workspace credits. AMLOK Signal monitors an existing portfolio and reassesses risk when relevant changes occur. It combines the existing underwriting data with new evidence. **This reassessment is included in Signal; a detected event does not execute or charge for AMLOK Insights again.** ## Usage rates | Tier | Credits used per active borrower/business per month | Typical workload | | - | -: | - | | Standard | CAD 3.00 | Routine monitoring, incremental evidence, and risk updates. | | Advanced | CAD 5.00 | More sources and new records, with deeper reconciliation and reassessment. | | Complex | CAD 8.00 | High-volume changes, related entities, and extensive ongoing analysis. | Rates are in CAD before negotiated discounts. Custom pricing retains Standard, Advanced, or Complex with the agreed rate and workload limits. The monthly unit measures **credit consumption**, not a recurring monthly payment. Your minimum monthly commitment is based on estimated volume and is **paid annually at signing and every 12 months at renewal**. Signal usage deducts from that shared prepaid balance. Additional top-ups fund usage when needed. ## When credits are deducted The full monthly rate is deducted **at the beginning of each calendar month, at 00:00 UTC**, before monitoring continues for that month. If a borrower/business is first activated partway through the month, the full monthly rate is deducted immediately, without proration. The next charge is at the beginning of the following month. For example, activation on October 20 at the Standard rate uses CAD 3.00 for October. Continued monitoring uses CAD 3.00 on November 1. Pausing and resuming during an already paid month does not create another charge. A month with no active monitoring is not charged. If available credits cannot cover the charge, monitoring is blocked without a deduction or debt. Funding activates the current month after its one successful charge; missed inactive months are not charged retroactively. A manually paused monitor remains paused until resumed. Cancellation immediately stops monitoring and further deductions; the month's already consumed charge is not refunded. ## One account per borrower/business Count each active borrower/business **once per workspace per month**, regardless of how many cash-flow checks, covenant checks, alerts, lending facilities, bank accounts, or integrations are involved. The combined workload determines the assigned tier. Multiple monitoring configurations for the same borrower/business do not create additional account-month charges. ## Included processing Within the agreed scope, Signal includes: * Processing new evidence and changes from authorized sources. * Comparing new information with the existing underwriting baseline. * Reassessing underwriting and risk conclusions when relevant changes occur. * Producing monitoring summaries, updated findings, and alerts. Signal's record limit covers **newly processed records during the month**. Each updated version of an existing record counts as a new record when processed. Retries or repeated reads of the same unchanged version do not count again. Existing unchanged baseline records are not counted again. A source update or internal processing step does not create another Signal or Insights charge. A customer can separately request a new full Insights underwriting for a new application or assessment scope. That is a distinct customer request, not a consequence automatically billed when Signal detects a change. ## Reporting periods Reports identify the borrower/business, product, tier, effective rate, usage period, and credit deduction. They distinguish Signal consumption from Insights consumption within the same workspace balance. The monthly reporting period does not change the annual payment schedule. Cancellation stops processing and further deductions immediately. Charges already posted for usage remain non-refundable; pending work is cancelled without another deduction. Several checks or reassessments never create a second account-month charge for the same borrower/business. ## Example Monitoring **200 Standard borrowers/businesses for 12 full months** consumes: **200 × CAD 3.00 × 12 = CAD 7,200.00** A CAD 1,000.00 minimum monthly commitment is paid as CAD 12,000.00 at signing or renewal. The example leaves CAD 4,800.00 of those credits for other eligible activity. It does not create twelve monthly payment requests. See [complexity tiers](https://docs.amlok.io/pricing/complexity-tiers.md) and [credits and billing](https://docs.amlok.io/pricing/credits-and-billing.md). This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.