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Documentation Index

Fetch the complete documentation index at: https://docs.verifow.com/llms.txt

Use this file to discover all available pages before exploring further.

Every transaction flows through these stages sequentially:
StageCategoryLatencyDescription
1Validation~5msIdempotency check, schema validation, store in database
2Context Enrichment~15msFetch sender’s last 50 transactions, account dormancy, KYC/KYB status
3Sanctions & PEP~25msScreen sender + receiver names against global watchlist entities
4Regulatory Compliance~2msExecute 7 mandatory CBN rules (PEP status from Stage 3 feeds in)
5KYC Verification~0msEvaluate sender’s KYC status (REJECTED / EXPIRED / NONE / VERIFIED)
6KYB Verification~0msFor business transactions: evaluate corporate KYB status
7Custom Rules~10msExecute configurable detection rules
8External Engines~50msDecision engine scoring + behavioral analysis (parallel)
9Aggregation~1msWeighted scoring, outcome selection, action dispatch
Total latency: 80–200ms (p95) After aggregation (async, non-blocking):
  • Auto-create compliance case
  • Generate SAR / CTR / FTR reports
  • Email alert to all compliance officers
  • Immutable audit log entry

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KYB Verification Layer

The KYB layer is inserted immediately after KYC Verification and only activates for business transactions. Individual transactions (entityType: "INDIVIDUAL" or absent) skip this stage with zero score.

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Trigger Conditions

KYB screening runs when either of these is present in the transaction metadata: 
{
  "metadata": {
    "entityType": "BUSINESS",
    "senderRcNumber": "RC123456"
  }
}

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KYB Risk Scoring

KYB StatusScoreOutcomeDescription
APPROVED0APPROVEFully verified corporate entity
BOS_VERIFIED10APPROVEBeneficial owners screened, no hits
DIRECTORS_VERIFIED40REVIEWDirectors verified, BO screening pending
CAC_VERIFIED40REVIEWCompany confirmed, director verification pending
PENDING40REVIEWApplication submitted, CAC lookup pending
NONE (no record)60REVIEWNo KYB application found for this business
REJECTED85BLOCKFailed verification or sanctions hit on beneficial owner