Business and transactions

Customer risk scoring

An explainable 0–100 risk score for every customer.

Every customer gets a score from 0 to 100 and a rating: low, medium, high or prohibited. It is worked out again after each KYC decision and alert.

#Factors

KYC status and score, sanctions and PEP results, high-risk countries, device and IP flags at onboarding, KYB result, open and high-priority alerts, confirmed suspicious activity, blocked payments, SARs, risky wallets, and any manual override.

#Review dates

High risk every 12 months, medium every 24, low every 36. The Customer risk page in the console lists who is due.

GET/v1/customers/{ref}/riskScore, rating and each factor

GET/v1/customers/{ref}Customer profile with totals

PUT/v1/customers/{ref}{risk_level: "low"|"standard"|"high", name, country}