Didit AML Screening API
Source: https://github.com/didit-protocol/didit-agent-skills/tree/main/skills/didit-aml-screening
What It Does
Screens individuals or companies against 1,300+ global watchlists in real-time using a dual-scoring system.
Core Endpoint
code
POST https://verification.didit.me/v3/aml/
Required header: x-api-key
Only required body field: full_name
Two-Score System
| Score | Purpose | Range |
|---|---|---|
| Match Score | Identity confidence — is this the same person? | 0-100 |
| Risk Score | Threat level assessment | 0-100 |
Match formula: (Name x W1) + (DOB x W2) + (Country x W3) — defaults are 60/25/15.
Risk formula: (Country x 0.30) + (Category x 0.50) + (Criminal x 0.20)
Final Status Outcomes
| Result | Trigger |
|---|---|
Approved | All hits are false positives, or risk score below 80 |
In Review | Risk score 80-100 |
Rejected | Risk score above 100 |
Notable Features
- •Document number acts as a "Golden Key" — matching doc overrides score to 100; mismatching same-type doc applies a -50 penalty
- •Coverage includes OFAC, UN, EU, Interpol, PEP Levels 1-4, and 50,000+ adverse media sources
- •Continuous monitoring (Pro plan): daily automated re-screening with webhook alerts
Minimal Request Example
python
json={"full_name": "Jane Doe", "nationality": "US", "date_of_birth": "1990-01-01"}
Lynia Finance Relevance
Required for RBZ compliance — Suspicious Transaction Reports (STRs) must be filed within 24 hours. AML screening should be integrated into the KYC approval pipeline for loans exceeding $1000.