Didit AML Screening API

Overview

Screens individuals or companies against 1,300+ global watchlists and high-risk databases in real-time. Uses a two-score system: Match Score (identity confidence) and Risk Score (threat level).

Key constraints:

• full_name is the only required field
• Supports entity_type: "person" (default) or "company"
• Document number acts as a "Golden Key" for definitive matching
• All weight parameters must sum to 100

Coverage: OFAC SDN, UN, EU, HM Treasury, Interpol, FBI, 170+ national sanction lists, PEP Levels 1-4, 50,000+ adverse media sources, financial crime databases.

Scoring system:

1. Match Score (0-100): Is this the same person? → classifies hits as False Positive or Unreviewed
2. Risk Score (0-100): How risky is this entity? → determines final AML status

API Reference: https://docs.didit.me/standalone-apis/aml-screening Feature Guide: https://docs.didit.me/core-technology/aml-screening/overview Risk Scoring: https://docs.didit.me/core-technology/aml-screening/aml-risk-score

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Authentication

All requests require x-api-key header. Get your key from Didit Business Console → API & Webhooks, or via programmatic registration (see below).

Getting Started (No Account Yet?)

If you don't have a Didit API key, create one in 2 API calls:

1. Register: POST https://apx.didit.me/auth/v2/programmatic/register/ with {"email": "you@gmail.com", "password": "MyStr0ng!Pass"}
2. Check email for a 6-character OTP code
3. Verify: POST https://apx.didit.me/auth/v2/programmatic/verify-email/ with {"email": "you@gmail.com", "code": "A3K9F2"} → response includes api_key

To add credits: GET /v3/billing/balance/ to check, POST /v3/billing/top-up/ with {"amount_in_dollars": 50} for a Stripe checkout link.

See the didit-verification-management skill for full platform management (workflows, sessions, users, billing).

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Endpoint

POST https://verification.didit.me/v3/aml/

Headers

Header	Value	Required
x-api-key	Your API key	Yes
Content-Type	application/json	Yes

Body (JSON)

Parameter	Type	Required	Default	Description
full_name	string	Yes	—	Full name of person or entity
date_of_birth	string	No	—	DOB in YYYY-MM-DD format
nationality	string	No	—	ISO country code (alpha-2 or alpha-3)
document_number	string	No	—	ID document number ("Golden Key")
entity_type	string	No	"person"	"person" or "company"
aml_name_weight	integer	No	60	Name weight in match score (0-100)
aml_dob_weight	integer	No	25	DOB weight in match score (0-100)
aml_country_weight	integer	No	15	Country weight in match score (0-100)
aml_match_score_threshold	integer	No	93	Below = False Positive, at/above = Unreviewed
save_api_request	boolean	No	true	Save in Business Console
vendor_data	string	No	—	Your identifier for session tracking

Example

import requests

response = requests.post(
    "https://verification.didit.me/v3/aml/",
    headers={"x-api-key": "YOUR_API_KEY", "Content-Type": "application/json"},
    json={
        "full_name": "John Smith",
        "date_of_birth": "1985-03-15",
        "nationality": "US",
        "document_number": "AB1234567",
        "entity_type": "person",
    },
)
print(response.json())

const response = await fetch("https://verification.didit.me/v3/aml/", {
  method: "POST",
  headers: { "x-api-key": "YOUR_API_KEY", "Content-Type": "application/json" },
  body: JSON.stringify({
    full_name: "John Smith",
    date_of_birth: "1985-03-15",
    nationality: "US",
  }),
});

Response (200 OK)

{
  "request_id": "a1b2c3d4-...",
  "aml": {
    "status": "Approved",
    "total_hits": 2,
    "score": 45.5,
    "hits": [
      {
        "id": "hit-uuid",
        "caption": "John Smith",
        "match_score": 85,
        "risk_score": 45.5,
        "review_status": "False Positive",
        "datasets": ["PEP"],
        "properties": {"name": ["John Smith"], "country": ["US"]},
        "score_breakdown": {
          "name_score": 95, "name_weight": 60,
          "dob_score": 100, "dob_weight": 25,
          "country_score": 100, "country_weight": 15
        },
        "risk_view": {
          "categories": {"score": 55, "risk_level": "High"},
          "countries": {"score": 23, "risk_level": "Low"},
          "crimes": {"score": 0, "risk_level": "Low"}
        }
      }
    ],
    "screened_data": {
      "full_name": "John Smith",
      "date_of_birth": "1985-03-15",
      "nationality": "US",
      "document_number": "AB1234567"
    },
    "warnings": []
  }
}

---

Match Score System

Formula: (Name × W1) + (DOB × W2) + (Country × W3)

Component	Default Weight	Algorithm
Name	60%	RapidFuzz WRatio — handles typos, word order, middle name variations
DOB	25%	Exact=100%, Year-only=100%, Same year diff date=50%, Mismatch=-100%
Country	15%	Exact=100%, Mismatch=-50%, Missing=0%. Auto-converts ISO codes

Document Number "Golden Key":

Scenario	Effect
Same type, same value	Override score to 100
Different type or one missing	Keep base score (neutral)
Same type, different value	-50 point penalty

Classification: Score < threshold (default 93) → False Positive. Score >= threshold → Unreviewed.

When data is missing, remaining weights are re-normalized. E.g., name-only → name weight becomes 100%.

---

Risk Score System

Formula: (Country × 0.30) + (Category × 0.50) + (Criminal × 0.20)

Final AML Status (from highest risk score among non-FP hits):

Highest Risk Score	Status
Below 80 (default)	Approved
Between 80-100	In Review
Above 100	Declined
All False Positives	Approved

Category scores (50% weight):

Category	Score
Sanctions / PEP Level 1	100
Warnings & Regulatory	95
PEP Level 2 / Insolvency	80
Adverse Media	60
PEP Level 4 / Businessperson	55

---

Status Values & Handling

Status	Meaning	Action
"Approved"	No significant matches or all False Positives	Safe to proceed
"In Review"	Matches found with moderate risk	Manual compliance review needed
"Rejected"	High-risk matches confirmed	Block or escalate per your policy
"Not Started"	Screening not yet performed	Check for missing data

Error Responses

Code	Meaning	Action
400	Invalid request body	Check full_name and parameter formats
401	Invalid API key	Verify x-api-key header
403	Insufficient credits	Check credits in Business Console

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Warning Tags

Tag	Description
POSSIBLE_MATCH_FOUND	Potential watchlist matches requiring review
COULD_NOT_PERFORM_AML_SCREENING	Missing KYC data. Provide full name, DOB, nationality, document number

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Response Field Reference

Hit Object

Field	Type	Description
match_score	integer	0-100 identity confidence score
risk_score	float	0-100 threat level score
review_status	string	"False Positive", "Unreviewed", "Confirmed Match", "Inconclusive"
datasets	array	e.g. ["Sanctions"], ["PEP"], ["Adverse Media"]
pep_matches	array	PEP match details
sanction_matches	array	Sanction match details
adverse_media_matches	array	{headline, summary, source_url, sentiment_score, adverse_keywords}
linked_entities	array	Related persons/entities
first_seen / last_seen	string	ISO 8601 timestamps

Adverse media sentiment: -1 = slightly negative, -2 = moderately, -3 = highly negative.

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Continuous Monitoring

Available on Pro plan. Automatically included for all AML-screened sessions.

• Daily automated re-screening against updated watchlists
• New hits → session status updated to "In Review" or "Declined" based on thresholds
• Real-time webhook notifications on status changes
• Zero additional integration — uses same thresholds from workflow config

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Common Workflows

Basic AML Check

1. POST /v3/aml/ → {"full_name": "John Smith", "nationality": "US"}
2. If "Approved" → no significant watchlist matches
   If "In Review" → review hits[].datasets, hits[].risk_view for details
   If "Rejected" → block user, check hits for sanctions/PEP details

Comprehensive KYC + AML

1. POST /v3/id-verification/ → extract name, DOB, nationality, document number
2. POST /v3/aml/ → screen extracted data with all fields populated
3. More data = higher match accuracy = fewer false positives

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Utility Scripts

screen_aml.py: Screen against AML watchlists from the command line.

# Requires: pip install requests
export DIDIT_API_KEY="your_api_key"
python scripts/screen_aml.py --name "John Smith"
python scripts/screen_aml.py --name "John Smith" --dob 1985-03-15 --nationality US
python scripts/screen_aml.py --name "Acme Corp" --entity-type company