Documentation Index
Fetch the complete documentation index at: https://ratel-docs.bevars.com/llms.txt
Use this file to discover all available pages before exploring further.
Real-time AML/CFT Transaction Monitoring & Sanctions Screening Platform Built for Nigerian Financial Institutions | CBN Compliant
Verifow processes every financial transaction through a multi-layer screening pipeline in under 200ms. Each layer produces an independent verdict with a score, outcome, and set of downstream actions. These verdicts are aggregated using a weighted severity model to produce a final decision.
Key Design Principles
| Principle | Implementation |
|---|---|
| Fail-Open | If the sanctions engine is unavailable, transactions proceed (logged for audit) |
| Highest-Severity-Wins | If ANY engine says BLOCK, final outcome is BLOCK |
| Regulatory Override | CBN rules carry 1.5× weight — cannot be disabled |
| Async Side-Effects | Email, case creation, and reports never block the API response |
| Immutable Audit Trail | Every screening event is logged with full context for CBN inspection |
| Per-Tenant KYC | Each bank chooses embedded providers or BYOL (Bring Your Own License) |
| Corporate KYB | Business transactions trigger CAC lookup + director verification + BO sanctions screening |
Screening Categories
| Category | What It Does |
|---|---|
| Regulatory Compliance | 7 mandatory CBN AML/CFT rules (always active, cannot be disabled) |
| Sanctions & PEP Screening | Real-time screening against entities from UN, OFAC, UK, Interpol |
| KYC Verification | Validates sender’s KYC status — flags rejected/expired/missing verification |
| KYB Verification | Validates corporate sender’s CAC registration, directors, and beneficial owners |
| Custom Rules | Configurable detection rules (amount, name, pattern matching) |
| Decision Engine | Scenario-based ML risk scoring |
| Behavioral Analysis | Device fingerprinting, velocity checks, geographic anomaly detection |