1. A method, comprising: configuring a risk score generator based on at least a plurality of risk conditions associated with an Automated Clearing House (ACH) process; receiving, from a user device, a request for an amount associated with a data entry of the ACH process, wherein the ACH process comprises a time delay for the data entry to clear the ACH process, and wherein the request for the amount comprises a digital certificate associated with a user and a transaction certificate associated with the request for the amount; comparing the digital certificate to a stored digital certificate associated with the user and the transaction certificate to transaction data received from a third party; determining, responsive to the comparing, a likelihood of trust in an indicated identity of the user; deteimining, with the risk score generator and based at least on the likelihood of trust, a first risk score associated with the requested amount that exceeds a transfer threshold, wherein the first risk score indicates a risk with releasing the requested amount before the data entry clears the ACH process; and making the requested amount associated with the data entry available before the data entry clears the ACH process based at least on the first risk score exceeding the transfer threshold, wherein the time delay is eliminated based at least on the requested amount made available before the data entry clears the ACH process.