aml & sanctions screening

Screen every counterparty before you're exposed.

Sanctions, PEP and adverse media screening, with ongoing monitoring — so a client who becomes a risk after onboarding doesn't slip through.

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how it works

Four steps, one API.

Submit the party

Name and ID details are sent for screening during onboarding, or before a document is issued.

Screen against watchlists

Checked against global sanctions lists, PEP registers and adverse media.

Review flagged matches

Any hits come back with a match confidence score — your compliance team makes the call.

Monitor going forward

Parties are re-screened on a schedule, catching status changes after onboarding.

POST /api/v1/aml/screen

T. Nkosi SANCTIONSClear

M. Dlamini PEPReview

S. van der Merwe ADVERSE MEDIAClear

try it

It's just an API.

Real requests, real responses.

$ curl -X POST https://api.apfin.co.za/v1/envelopes \
  -H "Authorization: Bearer sk_live_..." \
  -F document=@loan-agreement.pdf \
  -F signer[name]="T. Nkosi" \
  -F signer[email]="t.nkosi@example.co.za"
Response
{
  "id": "env_21533f46",
  "status": "sent",
  "signUrl": "https://apfin.co.za/sign/8ad2f1"
}

$ curl -X POST https://api.apfin.co.za/v1/kyc/verify \
  -H "Authorization: Bearer sk_live_..." \
  -F document=@id_front.jpg \
  -F selfie=@selfie.jpg
Response
{
  "id": "kyc_7f1a90",
  "status": "verified",
  "matchScore": 0.98,
  "documentType": "za_id"
}

$ curl -X POST https://api.apfin.co.za/v1/aml/screen \
  -H "Authorization: Bearer sk_live_..." \
  -d name="T. Nkosi" \
  -d idNumber="8501015800083"
Response
{
  "id": "scr_c92e01",
  "status": "clear",
  "matches": []
}

legal basis

AML screening is built around FICA's risk-based approach to customer due diligence and ongoing monitoring. Screening results, including any flagged matches, are recorded for your compliance file.