웹훅: 실시간 KYC·KYB 이벤트 및 HMAC 서명

{
  "event_id": "9c0c8b8a-1111-4222-9333-444444444444",
  "webhook_type": "status.updated",
  "timestamp": 1774970000,
  "created_at": 1774969994,
  "application_id": "11111111-2222-3333-4444-555555555555",
  "environment": "live",
  "sandbox_scenario": null,
  "session_id": "aaaaaaaa-bbbb-cccc-dddd-eeeeeeeeeeee",
  "status": "Approved",
  "workflow_id": "66666666-7777-8888-9999-000000000000",
  "workflow_version": 4,
  "vendor_data": "user_42",
  "metadata": { "tier": "premium" },
  "decision": { "...": "see /sessions-api/retrieve-session" }
}

id_verifications[]        nfc_verifications[]
liveness_checks[]         face_matches[]
phone_verifications[]     email_verifications[]
poa_verifications[]       aml_screenings[]
ip_analyses[]             database_validations[]
questionnaire_responses   reviews[]
bank_verifications[]

{
  "event_id": "3a0c1b2c-4444-4555-8666-777777777777",
  "webhook_type": "status.updated",
  "timestamp": 1774970000,
  "created_at": 1774969994,
  "application_id": "11111111-2222-3333-4444-555555555555",
  "environment": "live",
  "session_id": "cccccccc-dddd-eeee-ffff-000000000000",
  "status": "Approved",
  "vendor_data": "user_77",
  "decision": {
    "session_id": "cccccccc-dddd-eeee-ffff-000000000000",
    "status": "Approved",
    "features": ["ID_VERIFICATION"],
    "id_verifications": [
      {
        "node_id": "id_verification_1",
        "status": "Approved",
        "issuing_state": "DNK",
        "first_name": "Freja",
        "last_name": "Nielsen",
        "full_name": "Freja Nielsen",
        "date_of_birth": "1988-03-02",
        "verification_method": "wallet",
        "assurance": "cryptographic",
        "wallet_provider": "mitid",
        "fallback_from": null,
        "id_lookup": null,
        "wallet_verification": {
          "provider": "mitid",
          "provider_name": "MitID",
          "issuing_authority": "Danish Agency for Digital Government",
          "issuing_country": "DNK",
          "credential_type": "person_identification",
          "level_of_assurance": "substantial",
          "verified_at": "2026-09-04T09:12:44Z",
          "signature_valid": true,
          "attributes": {
            "full_name": "Freja Nielsen",
            "date_of_birth": "1988-03-02",
            "cpr_alias": "b0f1c2d3-e4f5-4678-9abc-def012345678"
          },
          "portrait": null,
          "face_match_score": null
        },
        "warnings": []
      }
    ],
    "reviews": [],
    "created_at": "2026-09-04T09:12:20.443172Z"
  }
}

{
  "event_id": "uuid",
  "webhook_type": "user.status.updated",
  "timestamp": 1774970000,
  "created_at": 1774969994,
  "application_id": "uuid",
  "environment": "live",
  "vendor_user_id": "uuid",
  "vendor_data": "user_42",
  "status": "BLOCKED",
  "previous_status": "ACTIVE"
}

{
  "event_id": "uuid",
  "webhook_type": "transaction.created",
  "timestamp": 1774970000,
  "created_at": 1774970000,
  "application_id": "uuid",
  "environment": "live",
  "transaction_id": "uuid",
  "txn_id": "finance0001",
  "status": "APPROVED",
  "score": 0,
  "severity": "UNKNOWN",
  "amount": "1200.00",
  "currency": "EUR",
  "direction": "OUTBOUND",
  "action_required": null
}

{
  "event_id": "uuid",
  "event_type": "kyb.registry_search.resolved",
  "request_id": "uuid",
  "vendor_data": "business-123",
  "metadata": { "source": "onboarding" },
  "search_status": "resolved",
  "search_resolved": true,
  "kyb_registry": { "companies": ["..."], "pagination": { "...": "..." } },
  "timestamp": 1774970000,
  "created_at": 1774970000
}

const express = require("express");
const crypto = require("crypto");

const app = express();
const PORT = process.env.PORT || 1337;

// Per-destination secret from POST /v3/webhook/destinations/
const WEBHOOK_SECRET_KEY = process.env.WEBHOOK_SECRET_KEY || "YOUR_WEBHOOK_SECRET_KEY";

app.use(express.json());

/**
 * Match Didit's float normalisation: whole-valued floats are serialised as ints.
 */
function shortenFloats(data) {
  if (Array.isArray(data)) return data.map(shortenFloats);
  if (data !== null && typeof data === "object") {
    return Object.fromEntries(
      Object.entries(data).map(([key, value]) => [key, shortenFloats(value)])
    );
  }
  if (typeof data === "number" && !Number.isInteger(data) && data % 1 === 0) {
    return Math.trunc(data);
  }
  return data;
}

/** Sort object keys recursively before re-stringifying. */
function sortKeys(obj) {
  if (Array.isArray(obj)) return obj.map(sortKeys);
  if (obj !== null && typeof obj === "object") {
    return Object.keys(obj).sort().reduce((acc, key) => {
      acc[key] = sortKeys(obj[key]);
      return acc;
    }, {});
  }
  return obj;
}

function verifySignatureV2(jsonBody, signatureHeader, timestampHeader, secret) {
  const now = Math.floor(Date.now() / 1000);
  if (Math.abs(now - parseInt(timestampHeader, 10)) > 300) return false;

  // Reproduce Didit's canonical JSON: sorted keys, compact, Unicode preserved.
  const canonical = JSON.stringify(sortKeys(shortenFloats(jsonBody)));
  const expected = crypto.createHmac("sha256", secret).update(canonical, "utf8").digest("hex");

  const a = Buffer.from(expected, "utf8");
  const b = Buffer.from(signatureHeader, "utf8");
  return a.length === b.length && crypto.timingSafeEqual(a, b);
}

function verifySignatureSimple(jsonBody, signatureHeader, timestampHeader, secret) {
  const now = Math.floor(Date.now() / 1000);
  if (Math.abs(now - parseInt(timestampHeader, 10)) > 300) return false;

  const canonical = [
    jsonBody.timestamp ?? "",
    jsonBody.session_id ?? "",
    jsonBody.status ?? "",
    jsonBody.webhook_type ?? "",
  ].join(":");
  const expected = crypto.createHmac("sha256", secret).update(canonical).digest("hex");

  const a = Buffer.from(expected, "utf8");
  const b = Buffer.from(signatureHeader, "utf8");
  return a.length === b.length && crypto.timingSafeEqual(a, b);
}

/**
 * The signature header and, for 24 hours after the destination's secret is
 * rotated, its "-Previous" header (the same signature made with the replaced secret).
 */
function signaturesFor(req, header) {
  return [req.get(header), req.get(`${header}-Previous`)].filter(Boolean);
}

app.post("/webhook", (req, res) => {
  const timestamp = req.get("X-Timestamp");
  const body = req.body;

  if (!timestamp || !WEBHOOK_SECRET_KEY) {
    return res.status(401).json({ message: "Missing required headers" });
  }

  // A match on either header is enough.
  const matches = (header, verify) =>
    signaturesFor(req, header).some((sig) => verify(body, sig, timestamp, WEBHOOK_SECRET_KEY));

  let verified = false;
  if (matches("X-Signature-V2", verifySignatureV2)) {
    verified = true;
  } else if (matches("X-Signature-Simple", verifySignatureSimple)) {
    // Deprecated fallback: Simple authenticates the envelope only. Do not trust
    // body.decision here — re-fetch it from GET /v3/session/{session_id}/decision/.
    verified = true;
  }
  if (!verified) return res.status(401).json({ message: "Invalid signature" });

  // Dispatch by event type. Return 2xx fast; do heavy work asynchronously.
  switch (body.webhook_type) {
    case "status.updated":
    case "data.updated":
      // session or business session
      break;
    case "user.status.updated":
    case "user.data.updated":
    case "business.status.updated":
    case "business.data.updated":
      // consolidated entity event
      break;
    case "activity.created":
      // audit timeline event
      break;
    case "transaction.created":
    case "transaction.status.updated":
      // transaction monitoring event
      break;
    case "travel_rule.status.updated":
      // travel rule exchange status event
      break;
  }
  return res.status(200).json({ ok: true });
});

app.listen(PORT, () => console.log(`Server on http://localhost:${PORT}`));

from fastapi import FastAPI, Request, HTTPException
from time import time
import json
import hmac
import hashlib
import os

app = FastAPI()


def shorten_floats(data):
    """Match Didit: whole-valued floats serialise as ints."""
    if isinstance(data, dict):
        return {k: shorten_floats(v) for k, v in data.items()}
    if isinstance(data, list):
        return [shorten_floats(x) for x in data]
    if isinstance(data, float) and data.is_integer():
        return int(data)
    return data


def verify_signature_v2(body_json, signature_header, timestamp_header, secret):
    if abs(int(time()) - int(timestamp_header)) > 300:
        return False
    canonical = json.dumps(
        shorten_floats(body_json),
        sort_keys=True,
        separators=(",", ":"),
        ensure_ascii=False,   # unescaped Unicode -- matches Didit's V2 canonical form
    )
    expected = hmac.new(secret.encode("utf-8"), canonical.encode("utf-8"), hashlib.sha256).hexdigest()
    return hmac.compare_digest(signature_header, expected)


def verify_signature_simple(body_json, signature_header, timestamp_header, secret):
    if abs(int(time()) - int(timestamp_header)) > 300:
        return False
    canonical = ":".join([
        str(body_json.get("timestamp", "")),
        str(body_json.get("session_id", "")),
        str(body_json.get("status", "")),
        str(body_json.get("webhook_type", "")),
    ])
    expected = hmac.new(secret.encode("utf-8"), canonical.encode("utf-8"), hashlib.sha256).hexdigest()
    return hmac.compare_digest(signature_header, expected)


def signatures(request, header):
    """The signature header and, for 24 hours after the destination's secret is
    rotated, its -Previous header (the same signature made with the replaced secret)."""
    return [sig for sig in (request.headers.get(header), request.headers.get(f"{header}-previous")) if sig]


@app.post("/webhook")
async def handle_webhook(request: Request):
    body = json.loads((await request.body()).decode("utf-8"))
    secret = os.environ["WEBHOOK_SECRET_KEY"]

    ts = request.headers.get("x-timestamp")
    if not ts:
        raise HTTPException(status_code=401, detail="Missing X-Timestamp")

    # A match on either header is enough.
    if any(verify_signature_v2(body, sig, ts, secret) for sig in signatures(request, "x-signature-v2")):
        pass
    elif any(verify_signature_simple(body, sig, ts, secret) for sig in signatures(request, "x-signature-simple")):
        # Deprecated fallback: Simple authenticates the envelope only. Do not trust
        # body["decision"] here - re-fetch it from GET /v3/session/{session_id}/decision/.
        pass
    else:
        raise HTTPException(status_code=401, detail="Invalid signature")

    # Dispatch on body["webhook_type"]; return 2xx fast.
    return {"ok": True}

<?php

use Illuminate\Http\Request;

class WebhookController extends Controller
{
    /**
     * Rebuild Didit's canonical JSON form: recursively sorted keys, JSON
     * objects preserved as objects, arrays left in order.
     */
    private function canonicalize($value)
    {
        if ($value instanceof \stdClass) {
            $props = get_object_vars($value);
            ksort($props, SORT_STRING); // code-point order, like Python's sort_keys
            $sorted = new \stdClass();
            foreach ($props as $key => $item) {
                $sorted->{$key} = $this->canonicalize($item);
            }
            return $sorted;
        }
        if (is_array($value)) { // JSON arrays keep their order
            return array_map(function ($item) { return $this->canonicalize($item); }, $value);
        }
        return $value;
    }

    private function verifySignatureV2(string $rawBody, string $sig, string $ts, string $secret): bool
    {
        if (abs(time() - (int) $ts) > 300) return false;

        // Decode to objects, not associative arrays: associative decoding turns
        // empty JSON objects ({}) into empty arrays ([]), and json_encode then
        // writes them back as [] -- different bytes than Didit signed.
        $decoded = json_decode($rawBody, false);
        if (json_last_error() !== JSON_ERROR_NONE) return false;

        $canonical = json_encode(
            $this->canonicalize($decoded),
            JSON_UNESCAPED_SLASHES | JSON_UNESCAPED_UNICODE
        );
        return hash_equals(hash_hmac('sha256', $canonical, $secret), $sig);
    }

    /** X-Signature: HMAC over the exact bytes received -- never a re-serialised copy. */
    private function verifySignatureRaw(string $rawBody, string $sig, string $ts, string $secret): bool
    {
        if (abs(time() - (int) $ts) > 300) return false;
        return hash_equals(hash_hmac('sha256', $rawBody, $secret), $sig);
    }

    private function verifySignatureSimple(?array $body, string $sig, string $ts, string $secret): bool
    {
        if (abs(time() - (int) $ts) > 300) return false;
        $canonical = implode(':', [
            $body['timestamp'] ?? '',
            $body['session_id'] ?? '',
            $body['status'] ?? '',
            $body['webhook_type'] ?? '',
        ]);
        return hash_equals(hash_hmac('sha256', $canonical, $secret), $sig);
    }

    public function handle(Request $request)
    {
        $secret = env('WEBHOOK_SECRET_KEY');
        $ts = $request->header('x-timestamp');
        if (!$ts || !$secret) {
            return response()->json(['message' => 'Missing required headers'], 401);
        }

        // getContent() hands you the exact bytes Didit transmitted, before any parser runs.
        $rawBody = $request->getContent();
        $body = json_decode($rawBody, true); // associative copy, for dispatch only

        // Check the signature header and, for 24 hours after the destination's secret is
        // rotated, its -Previous header (the same signature made with the replaced secret).
        // A match on either header is enough.
        $matches = function (string $header, callable $verify) use ($request): bool {
            foreach ([$header, $header . '-previous'] as $name) {
                $sig = $request->header($name);
                if ($sig && $verify($sig)) {
                    return true;
                }
            }
            return false;
        };

        $verified = $matches('x-signature-v2', fn ($sig) => $this->verifySignatureV2($rawBody, $sig, $ts, $secret))
            || $matches('x-signature', fn ($sig) => $this->verifySignatureRaw($rawBody, $sig, $ts, $secret))
            // Deprecated fallback: Simple authenticates the envelope only. Do not trust
            // the decision body here - re-fetch it from GET /v3/session/{session_id}/decision/.
            || $matches('x-signature-simple', fn ($sig) => $this->verifySignatureSimple($body, $sig, $ts, $secret));
        if (!$verified) {
            return response()->json(['message' => 'Invalid signature'], 401);
        }

        // Dispatch on $body['webhook_type']; return 2xx fast.
        return response()->json(['ok' => true]);
    }
}

{
  "event_id": "9c0c8b8a-1111-4222-9333-444444444444",
  "webhook_type": "status.updated",
  "timestamp": 1774970000,
  "created_at": 1774969994,
  "application_id": "11111111-2222-3333-4444-555555555555",
  "environment": "live",
  "sandbox_scenario": null,
  "session_id": "aaaaaaaa-bbbb-cccc-dddd-eeeeeeeeeeee",
  "status": "Approved",
  "workflow_id": "66666666-7777-8888-9999-000000000000",
  "workflow_version": 4,
  "vendor_data": "user_42",
  "metadata": { "tier": "premium" },
  "decision": {
    "session_id": "aaaaaaaa-bbbb-cccc-dddd-eeeeeeeeeeee",
    "session_number": 43762,
    "status": "Approved",
    "workflow_id": "66666666-7777-8888-9999-000000000000",
    "features": ["ID_VERIFICATION", "LIVENESS", "FACE_MATCH", "AML"],
    "vendor_data": "user_42",
    "id_verifications": [
      {
        "node_id": "id_verification_1",
        "status": "Approved",
        "document_type": "Identity Card",
        "document_number": "SAMPLE-DOC-12345",
        "first_name": "Jane",
        "last_name": "Doe",
        "date_of_birth": "1990-01-01",
        "issuing_state": "ESP",
        "verification_method": "document",
        "assurance": "documentary",
        "wallet_provider": null,
        "fallback_from": null,
        "id_lookup": null,
        "wallet_verification": null,
        "warnings": []
      }
    ],
    "liveness_checks": [
      { "node_id": "liveness_1", "status": "Approved", "method": "ACTIVE_3D", "score": 95.4, "warnings": [] }
    ],
    "face_matches": [
      { "node_id": "face_match_1", "status": "Approved", "score": 96.1, "warnings": [] }
    ],
    "aml_screenings": [
      { "node_id": "aml_1", "status": "Approved", "total_hits": 0, "entity_type": "person", "hits": [], "warnings": [] }
    ],
    "reviews": [],
    "created_at": "2026-05-17T08:54:25.443172Z"
  }
}

{
  "event_id": "9c0c8b8a-1111-4222-9333-555555555555",
  "webhook_type": "status.updated",
  "timestamp": 1774970000,
  "created_at": 1774969994,
  "application_id": "11111111-2222-3333-4444-555555555555",
  "environment": "live",
  "sandbox_scenario": null,
  "session_id": "bbbbbbbb-cccc-dddd-eeee-ffffffffffff",
  "status": "Declined",
  "vendor_data": "user_99",
  "decision": {
    "session_id": "bbbbbbbb-cccc-dddd-eeee-ffffffffffff",
    "status": "Declined",
    "features": ["ID_VERIFICATION", "LIVENESS", "FACE_MATCH"],
    "id_verifications": [
      {
        "node_id": "id_verification_1",
        "status": "Declined",
        "document_type": "Passport",
        "expiration_date": "2024-01-01",
        "warnings": [
          {
            "feature": "ID_VERIFICATION",
            "risk": "DOCUMENT_EXPIRED",
            "additional_data": null,
            "log_type": "error",
            "short_description": "Document expired",
            "long_description": "The document's expiration date has passed, rendering it no longer valid for use.",
            "node_id": "id_verification_1"
          }
        ]
      }
    ],
    "liveness_checks": [{ "node_id": "liveness_1", "status": "Approved", "score": 92.0, "warnings": [] }],
    "face_matches": [
      {
        "node_id": "face_match_1",
        "status": "Declined",
        "score": 32.0,
        "warnings": [
          {
            "feature": "FACEMATCH",
            "risk": "LOW_FACE_MATCH_SIMILARITY",
            "additional_data": null,
            "log_type": "error",
            "short_description": "Low face match similarity",
            "long_description": "The facial features of the provided image don't closely match the reference image, suggesting a potential identity mismatch.",
            "node_id": "face_match_1"
          }
        ]
      }
    ],
    "reviews": []
  }
}

{
  "event_id": "uuid",
  "webhook_type": "status.updated",
  "timestamp": 1774970000,
  "created_at": 1774969994,
  "application_id": "uuid",
  "environment": "live",
  "sandbox_scenario": null,
  "session_id": "kyb-uuid",
  "business_session_id": "kyb-uuid",
  "session_kind": "business",
  "status": "Approved",
  "vendor_data": "biz_7",
  "vendor_business_id": "acme-inc",
  "decision": {
    "session_id": "kyb-uuid",
    "session_kind": "business",
    "status": "Approved",
    "features": ["REGISTRY_CHECK", "AML", "DOCUMENT_VERIFICATION"],
    "registry_checks": [{ "node_id": "registry_1", "status": "Approved", "company_name": "Acme Corp", "...": "..." }],
    "aml_screenings": [{ "node_id": "aml_1", "status": "Approved", "entity_type": "company", "total_hits": 0, "hits": [] }],
    "document_verifications": [{ "node_id": "doc_1", "status": "Approved", "document_type": "certificate_of_incorporation" }],
    "key_people_checks": [],
    "reviews": []
  }
}

{
  "event_id": "uuid",
  "webhook_type": "transaction.created",
  "timestamp": 1774970000,
  "created_at": 1774970000,
  "application_id": "uuid",
  "environment": "live",
  "transaction_id": "uuid",
  "txn_id": "finance0001",
  "status": "APPROVED",
  "score": 0,
  "severity": "UNKNOWN",
  "amount": "1200.00",
  "currency": "EUR",
  "direction": "OUTBOUND",
  "action_required": null
}

{
  "event_id": "9c0c8b8a-1111-4222-9333-666666666666",
  "webhook_type": "travel_rule.status.updated",
  "timestamp": 1774970000,
  "created_at": 1774970000,
  "application_id": "11111111-2222-3333-4444-555555555555",
  "environment": "live",
  "transaction_id": "22222222-3333-4444-5555-666666666666",
  "txn_id": "trv-2026-07-05-001",
  "travel_rule_status": "COMPLETED",
  "rail": "INTERNAL",
  "direction": "OUTBOUND"
}

{
  "event_id": "9c0c8b8a-1111-4222-9333-777777777777",
  "webhook_type": "workflow.compliance_changed",
  "timestamp": 1774970000,
  "created_at": 1774970000,
  "application_id": "11111111-2222-3333-4444-555555555555",
  "environment": "live",
  "workflow_id": "22222222-3333-4444-5555-666666666666",
  "workflow_version": 4,
  "workflow_label": "KYC standard",
  "transition": { "from": "compliant", "to": "gaps_detected" },
  "severity": "actionable",
  "kb_version": "2026-10"
}

{
  "event_id": "9c0c8b8a-1111-4222-9333-888888888888",
  "webhook_type": "transaction_rule_suggestions.created",
  "timestamp": 1774970000,
  "created_at": 1774970000,
  "application_id": "11111111-2222-3333-4444-555555555555",
  "environment": "live",
  "run_id": "33333333-4444-5555-6666-777777777777",
  "open_count": 3,
  "suggestions": [
    {
      "suggestion_id": "44444444-5555-6666-7777-888888888888",
      "kind": "TWEAK",
      "title": "Raise the review threshold on high-value transfers",
      "rule_id": "55555555-6666-7777-8888-999999999999",
      "expected_impact": {}
    }
  ]
}

{
  "event_id": "9c0c8b8a-1111-4222-9333-777777777777",
  "webhook_type": "investigator.decision.automated",
  "timestamp": 1774970000,
  "created_at": 1774970000,
  "application_id": "11111111-2222-3333-4444-555555555555",
  "environment": "live",
  "run_id": "33333333-4444-5555-6666-777777777777",
  "queue": "kyc",
  "item": { "kind": "session", "id": "cccccccc-dddd-eeee-ffff-000000000000" },
  "recommendation": "approve",
  "confidence": 0.93,
  "provenance": {
    "agent_version": "1",
    "engine": "a1b2c3d4",
    "policy_version": 4,
    "model_id": "a1b2c3d4"
  },
  "decided_by": "investigator",
  "outcome": "approved",
  "action": "approve",
  "final_status": "Approved",
  "agreed": true
}

{
  "event_id": "uuid",
  "webhook_type": "user.status.updated",
  "timestamp": 1774970000,
  "created_at": 1774969980,
  "application_id": "uuid",
  "environment": "live",
  "vendor_user_id": "uuid",
  "vendor_data": "user_42",
  "status": "BLOCKED",
  "previous_status": "ACTIVE"
}

{
  "event_id": "uuid",
  "webhook_type": "status.updated",
  "timestamp": 1774970000,
  "created_at": 1774969980,
  "application_id": "uuid",
  "environment": "live",
  "sandbox_scenario": null,
  "session_id": "uuid",
  "status": "Resubmitted",
  "vendor_data": "user_42",
  "resubmit_info": {
    "nodes_to_resubmit": [
      { "node_id": "feature_poa", "feature": "PROOF_OF_ADDRESS" }
    ],
    "reasons": { "feature_poa": "Poor document quality" }
  }
}