> ## 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.

# CBN Mandatory Rules

These 9 rules implement the **Central Bank of Nigeria AML/CFT Act** requirements. They are **always active** and **cannot be disabled**.

| Rule                              | Trigger                                                                           | Score | Auto-Actions                                        |
| --------------------------------- | --------------------------------------------------------------------------------- | ----- | --------------------------------------------------- |
| **CBN-001** Cash Threshold        | Cash deposit/withdrawal ≥ ₦5,000,000                                              | 60    | Generate CTR, Notify Officer                        |
| **CBN-002** Transfer Threshold    | Electronic transfer ≥ ₦10,000,000                                                 | 50    | Generate CTR, Notify Officer                        |
| **CBN-003** Structuring Detection | Single txn ≥ 80% of threshold, OR 3+ txns in 24h exceeding threshold cumulatively | 80    | Generate SAR, Create Case, Notify Officer           |
| **CBN-004** PEP Screening         | Sender identified as Politically Exposed Person (from global watchlists)          | 70    | Create Case, Enhanced Due Diligence, Notify Officer |
| **CBN-005** Foreign Transfer      | International transfer or receiver country ≠ NG                                   | 40    | Generate FTR, Notify Officer                        |
| **CBN-006** Dormant Account       | No transaction activity for ≥ 180 days                                            | 65    | Create Case, Enhanced Due Diligence, Notify Officer |
| **CBN-007** Rapid Succession      | ≥ 5 transactions within 60 minutes from same account                              | 75    | Create Case, Notify Officer                         |
| **CBN-008** KYC Tier Limit        | Transaction exceeds sender's KYC tier limit (Tier 1: ₦20k, Tier 2: ₦500k)         | 100   | Block, Notify Officer, Prompt Tier Upgrade          |
| **CBN-009** Near Tier Limit       | Transaction at ≥80% of sender's KYC tier limit                                    | 30    | Review, Notify Officer                              |

### Structuring Detection Logic (CBN-003)

```
threshold = (isCash ? ₦5,000,000 : ₦10,000,000)
structuring_line = threshold × 0.80

Trigger A: single_amount ≥ structuring_line AND < threshold
    → "Just-below-threshold" pattern

Trigger B: count(24h_txns) ≥ 3 AND sum(24h_amounts) ≥ threshold
    → Cumulative structuring
```

***