These results are averaged across many different types of e-commerce companies. So you're correct that a particular company shouldn't necessarily set up a rule

These results are averaged across many different types of e-commerce companies. So you're correct that a particular company shouldn't necessarily set up a rule to flag transactions occurring 3-10 mins from account creation. At Sift Science, a user is flagged based on a combination of many different factors. So while a transaction 3-10 minutes after signup is associated with increased risk of fraud, a user typically has to match many different patterns to be flagged as an overall risk.