htpbe? vs Manual Document Review
Manual fraud review costs $15–$20 per document, takes days, and still misses 1 in 5 fraudulent submissions. htpbe? runs 35 structural forensic checks in under 3 seconds.
$15–$20
manual review cost per document
$0.50
htpbe? API equivalent (Growth plan)
97%
cost reduction at 350 documents/month
How They Compare
The same document. Two very different processes.
| Manual Review | htpbe? API | |
|---|---|---|
| Speed | 30 min – 2 days | Under 3 seconds |
| Cost per document | $15–$20 | $0.43–$0.50 |
| Consistency | Varies by analyst | Always identical |
| Available 24/7 | No | Yes |
| Scalable | Hire more staff | API call |
| What it catches | Obvious visual edits | Structural modification traces invisible to the eye |
| What it misses | Any technically clean edit | Content plausibility (numbers could be wrong) |
| Audit trail | Notes, email | Structured JSON result |
Where Human Review Still Wins
htpbe? does not replace human judgment — it eliminates the 80% of documents that are structurally clean from manual review queues, so your analysts focus on the 20% that warrant deeper scrutiny.
Semantic plausibility
Does an $8,000 monthly salary make sense for this job title in this city? Only a human with context can answer that.
Relationship context
Knowing the borrower’s history, industry, and stated circumstances requires judgment that no structural scan provides.
Novel fraud types
Entirely new forgery techniques leave no known structural trace. Experienced analysts catch patterns that automated tools have not yet seen.
Final decision accountability
Approval or rejection decisions carry legal and regulatory weight. Human sign-off is non-negotiable in most compliance frameworks.
The Numbers by Volume
At any volume, the economics are straightforward.
| Volume/month | Manual ($15/doc) | htpbe? | Monthly saving |
|---|---|---|---|
| 30 docs | $450 | $15/mo (Starter) | $435 |
| 350 docs | $5,250 | $149/mo (Growth) | $5,101 |
| 1,500 docs | $22,500 | $499/mo (Pro) | $22,001 |
Savings calculated against $15/document manual review baseline. htpbe? cost based on plan per-document equivalent.
How Teams Deploy htpbe? Alongside Human Review
Not a replacement — a triage layer that makes human review faster and more accurate.
Auto-approve clean documents
htpbe? returns INTACT on structurally clean submissions. These move forward automatically — no analyst time required.
Flag modified and inconclusive
Documents returning MODIFIED or INCONCLUSIVE are routed to a human review queue with the specific structural findings attached.
Analysts focus where it matters
Your team reviews only the flagged minority — with forensic context already in hand. Faster decisions, higher accuracy.
Ready to automate?
Start with the plan that fits your volume
Self-serve from $15/mo. No sales call required. Test keys available on all plans for integration before you commit.
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Create your account — API key on signup, free test environment on every plan.
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