What the heck would you need to impelemt scoring and risk assesment for a simple money transfer? That is what you have the trusted 3rd party for.
If I (Alice) want to transfer money to Bob, I instruct my bank to remove the sum from my account. (That's the step that needs to be authenticated, but not assessed by any credit score). Then my bank transfers that to the target bank. (I doubt credit score would help to safeguard that step and it should NOT be over public networks - if you can do an IP check at this step, something went wrong from the design phase)
And as a last step, they give the money to Bob (or his account) and I don't think either that for that it is neccessary or even helping, to check Bobs credit score or IP address. He is going to RECEIVE money.
Yes, things get a bit more complicated if you need Bob's small shop to trigger the money transaction from his customer Alice, but then again we don't need any checks of his credit history or his current dynamic IP address, but rather we need to check Alice's authentication.