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KYT (Know Your Transaction)

Know Your Transaction (KYT) complements KYC by monitoring user behavior and financial flows in real-time. While KYC verifies who the user is, KYT verifies what they are doing.

Behavioral Monitoring​

PredictaID monitors transactions to detect anomalies such as:

  • Sudden Spikes: A user who normally spends R$50 suddenly spends R$5,000.
  • Velocity: Multiple transactions in a short time window.
  • Location: Transactions from a new or high-risk country.
  • Structuring: Multiple small transactions designed to evade detection.

Rule-Based Engine​

KYT is powered by our Rules Engine. You define logic to flag suspicious activity:

"IF Transaction Amount > 2000 AND Account Age < 30 days THEN FLAG as High Risk"

Continuous Risk Scoring​

Every transaction updates the user's risk profile. A user might pass KYC (Verified Identity) but later be flagged by KYT (Suspicious Activity), triggering a Step-Up Verification flow (e.g., asking for a new selfie).

Integration​

For new integrations, submit transactions to:

POST /kyt/transactions/ingest

PredictaID queues each accepted transaction and processes it asynchronously. Use webhooks to receive pipeline outcomes and review signals.

Important integration points:

  • Use a stable transactionId for safe retries.
  • Send customer and participant identifiers only when needed for matching.
  • Mask sensitive identifiers in your logs.
  • Subscribe to kyt.transaction.queued, kyt.transaction.pipeline.completed, and kyt.transaction.dead_lettered.
  • Treat manual review or non-defensible score states as pending until a decision is recorded.

See Transactions for the request body and Integration Reference for production guidance.