AML Pattern Detection - Anunnaki Currents

Anti-money-laundering monitoring is run in-house — no third-party vendor. Real-time on big withdrawals; fire-and-forget for everything else, with pattern detection in the background and webhooks within 5 minutes.

Never expose rule codes, descriptions, or risk scores to end users. Tipping-off prohibitions apply. Use generic language only (“Account under review”).

Hybrid model

Path	Trigger	Latency
Real-time — `POST /v1/aml/screen`	Withdrawals ≥ USD 10,000	< 200 ms — returns `allow` / `hold` / `reject`
Async — `POST /v1/aml/event`	All other transactions	202 acknowledgement < 50 ms; webhook within 5 min if a rule trips

Rule catalogue

Code	Pattern	Trigger	Mode	Severity
R-001	Large withdrawal	Single withdrawal ≥ USD 10K	real-time	7
R-002	Velocity	5+ deposits in 1 hour	async	6
R-003	Structuring	10+ deposits within $100 of a KYC tier in 7 days	async	9
R-004	Minimal play	Deposit > $5K with < 5% wagered in next 24h	async	7
R-005	Round-tripping	Deposit + withdrawal within 5% within 24h	async	8
R-006	Multi-account	Same `payment_method_fingerprint` on 3+ users	async	8
R-007	Geographic anomaly	Login country ≠ deposit country in same session	async	5
R-008	Dormant reactivation	90+ days idle then >$5K activity in 24h	async	6

risk_score = min(sum(triggered_severities) × 10, 100). Decision: <50 allow · 50–79 hold · 80+ reject.

Endpoints

Method	Path	Description
`POST`	`/v1/aml/screen`	Real-time check for large withdrawals. Mandatory ≥ $10K.
`POST`	`/v1/aml/event`	Fire-and-forget transaction event. Idempotent on `(tenant, transaction_id)`.
`GET`	`/v1/aml/cases`	Open and closed AML cases for a user.

`POST /v1/aml/screen`

curl https://sandbox.api.anunnakielite.com/v1/aml/screen \
  -H "Authorization: Bearer cur_sk_test_EXAMPLEKEY123456789012345678901234" \
  -H "Content-Type: application/json" \
  -d '{
    "user_id": "rt_usr_8a2f1c",
    "withdrawal_id": "wd_99f02a",
    "amount_cents": 1500000,
    "currency": "USD",
    "payment_method": "wire",
    "destination_country": "FR"
  }'

Allow:

{
  "decision": "allow",
  "user_id": "rt_usr_8a2f1c",
  "withdrawal_id": "wd_99f02a",
  "rules_evaluated": ["R-001"],
  "rules_triggered": [],
  "risk_score": 12
}

Hold:

{
  "decision": "hold",
  "user_id": "rt_usr_8a2f1c",
  "withdrawal_id": "wd_99f02a",
  "case_id": "aml_case_42a1",
  "rules_triggered": ["R-001", "R-005"],
  "risk_score": 78,
  "user_message": "Withdrawal under review. We will contact you within 48 hours.",
  "estimated_review_time": "24-48h"
}

Decision handling: allow → release; hold → keep funds blocked, await aml.cleared webhook; reject → return funds to player balance, log for SAR filing, do not process payout.

`POST /v1/aml/event`

Stream every deposit, wager, withdrawal, settlement, login, and account update.

curl https://sandbox.api.anunnakielite.com/v1/aml/event \
  -H "Authorization: Bearer cur_sk_test_EXAMPLEKEY123456789012345678901234" \
  -H "Content-Type: application/json" \
  -d '{
    "user_id": "rt_usr_8a2f1c",
    "event_type": "deposit",
    "transaction_id": "tx_8a2f1c",
    "amount_cents": 250000,
    "currency": "USD",
    "payment_method": "card",
    "metadata": {
      "ip_country": "FR",
      "card_country": "FR",
      "session_id": "sess_a1b2c3"
    },
    "occurred_at": "2026-05-24T15:02:00Z"
  }'

Acknowledgement (always 202 Accepted):

{
  "event_id": "aml_evt_99f02a",
  "transaction_id": "tx_8a2f1c",
  "received_at": "2026-05-24T15:02:00.234Z",
  "processing": "queued"
}

Event type	When to send
`deposit`	Every deposit attempt — success and failure.
`withdrawal`	Every withdrawal request, including under $10K.
`wager`	Every bet placed (settled or pending).
`settlement`	Every market settlement with player payouts.
`login`	Every player login (used for R-007 geographic anomaly).
`account_update`	Payment method or address change.

A duplicate transaction_id returns processing: "duplicate_already_queued" without reprocessing.

`GET /v1/aml/cases`

Returns case codes only — never rule descriptions or context data.

{
  "user_id": "rt_usr_8a2f1c",
  "open_cases": 1,
  "cases": [
    {
      "case_id": "aml_case_42a1",
      "opened_at": "2026-05-24T15:07:22Z",
      "status": "under_review",
      "rules_triggered": ["R-003", "R-005"],
      "risk_score": 65
    }
  ]
}

Webhooks

Event	Fires when
`aml.flagged`	An async rule tripped — case opened.
`aml.held`	Real-time hold confirmed by compliance — funds blocked.
`aml.cleared`	Case reviewed and dismissed — release funds.
`aml.escalated`	Case requires SAR (Suspicious Activity Report) filing.
`aml.account_frozen`	Account suspended pending investigation.

{
  "event": "aml.flagged",
  "event_id": "evt_aml_a1b2c3",
  "timestamp": "2026-05-24T15:07:22Z",
  "data": {
    "case_id": "aml_case_42a1",
    "user_id": "rt_usr_8a2f1c",
    "rules_triggered": ["R-003", "R-005"],
    "risk_score": 65,
    "recommended_action": "review_user_activity",
    "transactions_to_review": ["tx_8a2f1c", "tx_3d4e5f"]
  }
}

Webhook payloads include rule codes only — never descriptions or rule context.

Operator policy

Vendor: in-house (no third-party — cheaper, full control).
Hybrid: real-time on USD 10K+, async on everything else.
Rule count: 8 at launch; tuned monthly based on false-positive rates.
Review SLA: 48 hours.
SAR filing: Anunnaki files reports with the KGC where required.

Error codes

Status	Code
400	`invalid_event`
401	`unauthorized`
409	`duplicate_event` (safe to ignore)
429	`rate_limited` (1000/min on `/aml/event`)
503	`queue_unavailable` (retry with backoff)

Documentation Index

​Hybrid model

​Rule catalogue

​Endpoints

​POST /v1/aml/screen

​POST /v1/aml/event

​GET /v1/aml/cases

​Webhooks

​Operator policy

​Error codes

Hybrid model

Rule catalogue

Endpoints

`POST /v1/aml/screen`

`POST /v1/aml/event`

`GET /v1/aml/cases`

Webhooks

Operator policy

Error codes