Real-time Sanctions Screening with Programmable Logic

Programmable ComplianceIntegrate Didit's AML API with WebAssembly to create highly customizable and dynamic sanctions screening workflows, adapting to evolving regulatory landscapes in real-time.

Enhanced Risk OrchestrationLeverage WebAssembly to define granular, context-aware risk scoring and decision-making logic, complementing Didit's two-score AML system for superior compliance.

Developer-First ApproachDidit's clean APIs and modular architecture make it simple for developers to embed advanced AML capabilities and custom logic directly into their applications.

Seamless Integration with DiditDidit offers an AI-native, modular AML Screening solution, providing real-time checks against 1300+ global watchlists, PEPs, and sanctions databases, further enhanced by programmable logic.

The Challenge of Dynamic Sanctions Screening

In today's rapidly changing regulatory environment, static sanctions screening processes are no longer sufficient. Financial institutions and businesses across various sectors face immense pressure to comply with Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) regulations. This requires screening individuals and entities against global watchlists, politically exposed persons (PEPs) lists, and sanctions databases in real-time. However, the true challenge lies not just in performing the check, but in dynamically interpreting the results and applying custom business logic to determine the appropriate action. How do you integrate real-time data with your unique risk appetite and operational workflows efficiently?

Many traditional AML solutions offer limited flexibility, forcing businesses into predefined workflows that may not align with their specific compliance needs or risk models. This often leads to either over-screening, causing unnecessary friction for legitimate customers, or under-screening, exposing the business to significant regulatory penalties and reputational damage. The need for a more programmable, adaptable approach to sanctions screening has never been more critical.

WebAssembly: The Key to Programmable Compliance Logic

WebAssembly (Wasm) emerges as a powerful solution for embedding custom, high-performance logic directly into your compliance workflows. Wasm allows you to run pre-compiled code, written in languages like Rust, C++, or Go, in a secure, sandboxed environment. When combined with a robust AML API like Didit's, Wasm enables businesses to define highly specific, programmable rules for handling screening outcomes.

Imagine a scenario where a potential match is found during a sanctions screening. Instead of a generic 'In Review' status, you can use Wasm to implement a custom function that:

• Evaluates the match score from Didit's AML Screening against internal thresholds.
• Checks the matched entity's country of origin against your company's high-risk country list.
• Cross-references additional internal customer data (e.g., transaction history, geographic location of recent activities).
• Automatically triggers different actions based on a weighted combination of these factors – perhaps a direct approval for low-risk matches, an immediate decline for high-risk, and a specific escalation path for ambiguous cases.

This level of granularity is crucial for optimizing operational efficiency while maintaining stringent compliance standards. Wasm's near-native performance ensures these complex evaluations happen in milliseconds, supporting true real-time decision-making.

Integrating Didit's AML API with WebAssembly

Didit's AML Screening API is designed with modularity and developer-friendliness in mind, making it an ideal partner for WebAssembly integration. Didit screens users against over 1300 global sanctions, PEP, and watchlist databases in real-time. The API provides a comprehensive report, including a two-score system: a Match Score (identity confidence) and a Risk Score (entity risk level).

Here’s how the integration works:

1. Initiate Screening: Your application sends a request to Didit's AML API with the user's details (e.g., full name, entity type).
2. Receive Didit's Report: Didit returns a detailed AML Screening Report, including potential matches, match scores, risk scores, and adverse media intelligence.
3. Invoke Wasm Module: Your application's backend then passes Didit's report data to a pre-compiled WebAssembly module.
4. Execute Custom Logic: Inside the Wasm module, your custom logic processes Didit's data. This could involve advanced fuzzy matching algorithms, complex risk calculations based on multiple data points, or dynamic policy enforcement that adapts to specific business contexts. For example, you might have different thresholds for a low-value transaction versus a high-value one, or for customers from certain jurisdictions.
5. Automated Decision: The Wasm module returns a definitive action (e.g., 'Approve Automatically', 'Escalate to Manual Review', 'Decline').

This architecture allows you to offload computationally intensive or highly specific compliance logic to a secure, performant Wasm module, keeping your primary application code cleaner and more focused. Didit's API provides the foundational, up-to-date screening data, while Wasm provides the custom intelligence layer.

Benefits of This Hybrid Approach

Combining Didit's AML Screening with WebAssembly offers significant advantages:

• Unmatched Flexibility: Adapt your compliance rules on the fly without redeploying your entire application. Wasm modules can be updated independently.
• Enhanced Performance: Wasm executes at near-native speeds, ensuring your real-time decisions are genuinely real-time, even with complex logic.
• Reduced False Positives: Custom logic can more accurately distinguish between true matches and false positives by incorporating additional contextual data, minimizing unnecessary manual reviews.
• Future-Proof Compliance: As regulations evolve, you can quickly modify your Wasm-based logic to remain compliant, significantly reducing time-to-market for compliance updates.
• Cost Efficiency: Automate more decisions, reducing reliance on expensive manual review processes and allowing your compliance team to focus on high-risk cases.
• Stronger Audit Trails: Every decision made through your programmable logic can be logged, providing a clear and auditable trail for regulators.

Didit's modular design, combined with its AI-native capabilities, ensures that the data feeding your WebAssembly logic is always accurate, comprehensive, and up-to-date, providing a solid foundation for your programmable compliance framework.

How Didit Helps

Didit is at the forefront of providing AI-native, developer-first identity solutions, and our AML Screening product is a perfect example of this. We offer a comprehensive solution for compliance, screening users against 1300+ global sanctions, PEP, and watchlist databases in real-time. Our two-score risk system (Match Score and Risk Score) provides granular insights, allowing businesses to configure compliance thresholds that align with their specific risk appetite. With Didit's modular architecture, you can easily integrate our AML API into your existing systems and augment it with programmable logic using WebAssembly. Didit also stands out with its Free Core KYC offering and no setup fees, making advanced compliance accessible to businesses of all sizes. Our platform streamlines the entire identity verification process, from ID Verification to AML Screening and Monitoring, providing a robust, scalable, and adaptable solution for modern compliance challenges.

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