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Didit’s Transaction Monitoring lets you screen every transaction in real time — inbound and outbound — against a configurable rule engine. Each transaction receives a risk score, and rules can automatically approve, flag for review, or decline based on your thresholds.

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How it works

Submit a transaction

Send transaction data via the Create Transaction API. Each transaction includes:
FieldDescription
ApplicantThe user initiating the transaction (linked by vendor_data or session)
CounterpartyThe receiving or sending party
Amount & currencyTransaction value and ISO currency code
DirectionINBOUND or OUTBOUND
Payment methodCard, bank transfer, crypto wallet, etc.
Custom propertiesAny additional fields your rules need (e.g. product category, channel)

Rules engine evaluates

Didit runs the transaction against all active rules for your application. Rules can check:
  • Single-transaction thresholds — amount limits, high-risk countries, blocklisted entities
  • Velocity windows — cumulative volume or count over time (e.g., more than $10,000 in 24 hours)
  • Behavioral patterns — structuring detection, rapid in-and-out movement, round-amount patterns
  • AML screening — sanctions and watchlist checks on counterparties and linked users via external providers
  • Wallet risk — mixer exposure, high-risk wallet addresses (for crypto transactions)
Each matching rule contributes to the transaction’s overall risk score.

Score and decide

Based on the cumulative score and the highest-severity rule match, the transaction receives a status:
StatusMeaning
APPROVEDBelow all thresholds — transaction is clean
IN_REVIEWFlagged for manual analyst review
DECLINEDAutomatically rejected by a rule
AWAITING_USERRequires additional verification from the user
When a transaction enters AWAITING_USER, Didit automatically creates a linked remediation session and returns a verification URL so you can continue the flow without leaving the transaction workspace.

Monitor and investigate

Use the Business Console or API to:
  • Review flagged transactions with full context (scores, matched rules, linked parties)
  • Open investigation cases and assign analysts
  • Track analyst performance and resolution times
  • Export transaction data for compliance reporting

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Key capabilities

CapabilityDescription
Real-time scoringEvery transaction is scored instantly against all active rules
Built-in rule libraryPre-configured rules for AML/CTF, fraud, crypto, and responsible gaming
Custom rulesBuild rules from the console with conditions, velocity windows, scopes, and automated actions
AML screeningScreen counterparties and wallets against sanctions and watchlist databases via integrated providers
Remediation workflowsAutomatically trigger user verification when a rule requires additional checks
Case managementOpen cases, link alerts and transactions, assign analysts, and attach evidence
WebhooksReceive transaction.created and transaction.status.updated events in real time

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Integration

Submit transactions via the API and receive results via webhooks: 
curl -X POST https://verification.didit.me/v3/transactions/ \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "txn_id": "finance0001",
    "direction": "OUTBOUND",
    "amount": "1200.00",
    "currency": "EUR",
    "applicant": { "vendor_data": "user-123" },
    "counterparty": { "name": "Jane Doe" }
  }'
See the API Reference for the full payload schema.

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Next steps

Rules & scoring

How the rule engine works, built-in bundles, and custom rule creation.

Cases & investigations

Open cases, assign analysts, and manage investigation workflows.

Console guide

Using the Transactions section in the Business Console.