CORE INTELLIGENCE MODULE // 07
Score high-value wire transfers and payment velocity in real time before funds settle.
Financial institutions, payment platforms, and corporate treasuries process millions in high-value cross-border wires daily. When transactional anomaly detection is delayed or disconnected from corporate entity verification, illicit funds settle and accounts freeze. Diliguard delivers sub-second transaction scoring combining entity standing, counterparty history, and payment velocity.
The settlement trap that triggers regulatory asset freezes
Traditional transaction monitoring systems operate on retrospective batch-processing scripts that analyze payments hours or days after funds settle. When a high-velocity wire cluster involves unverified offshore counterparties or high-risk jurisdictions, the delay prevents real-time intervention.
Once illicit funds settle into a financial institution, correspondent banking partners issue compliance freezing orders, trigger extensive regulatory audits, and impose severe financial crime penalties.
The Diliguard Standard
Four Pillars of Real-Time Transaction Risk Defense
1. Real-Time Counterparty Verification
Evaluates recipient and sender corporate legal standing, registered jurisdictions, and active corporate status.
- Verify counterparty entities via Corporate KYB Checks.
- Detect shell company intermediaries in the payment path.
- Verify authorized signatories and directorship standing.
2. Watchlist & High-Risk Corridor Screening
Instantly screens payment originators, beneficiaries, and correspondent banks across international sanctions and FATF high-risk jurisdictions.
- Live sanctions matching with AML & PEP Screening.
- Flag high-risk cross-border payment corridors.
- Detect indirect exposure to designated foreign entities.
3. Payment Velocity & Anomaly Modeling
Analyzes transaction velocity, sudden deviations from historical payment baselines, and structured payment splitting.
- Identify structuring (smurfing) patterns designed to bypass reporting thresholds.
- Detect sudden velocity bursts on newly formed commercial accounts.
- Correlate digital connections with IP & Network Intelligence.
4. Automated Regulatory SAR Artifacts
Generates audit-ready transaction dossiers formatted for compliance officers and regulatory Suspicious Activity Report (SAR) filings.
- Export complete transaction risk factor breakdown.
- Provide unalterable evidence trails for banking partner reviews.
- Prevent fraud losses with Fraud Prevention Controls.
Sub-Second Transaction Risk Evaluation Pipeline
Ingest sender/receiver corporate details, IBAN/SWIFT routing, and amount.
Verify corporate standing and UBO ownership of both payment parties.
Evaluate jurisdictional corridor risk, velocity spikes, and structuring anomalies.
Return binary approve/hold decision and numeric risk score (0-100) in under 4 seconds.
Why Modern Teams Replace Legacy Bureaus With Diliguard
| Dimension | Legacy Research Bureaus | Diliguard Intelligence Engine |
|---|---|---|
| Execution Speed | 3 to 7 business days per report | < 4 seconds (Real-time live queries) |
| Pricing Model | $150 to $500 per search penalty | Flat self-serve subscription (Zero search penalties) |
| Data Freshness | Cached periodic database dumps | Live primary government registry sync |
| Team Access | Expensive per-seat licensing | Unlimited seats on all team plans |
| Integration | Manual email requests and PDF downloads | Instant Web Portal + REST API + native MCP Server |
The 8-Transaction Velocity Burst on a Dormant Wholesale Account
A B2B payment gateway flagged a sudden cluster of 8 cross-border wire transfers totaling £890k within 4 hours on an account that had been dormant for 9 months. Diliguard evaluated the counterparty entities in real time, discovering that the receiving foreign companies were registered to a known proxy director under active investigation for trade-based money laundering.
Gateway triggers Diliguard transaction risk evaluation on velocity spike.
Engine unwraps foreign receiver entities across multiple registries in 2.8s.
System returns high-risk score of 96/100, citing trade-based laundering risk.
Gateway places automated hold on settlement wire, saving funds from total loss.
POST /api/v2/score-transaction
curl -X POST https://api.diliguard.com/api/v2/score-transaction \
-H "Authorization: Bearer $DILIGUARD_API_KEY" \
-H "Content-Type: application/json" \
-d '{
"sender_company": "Acme Industrial Corp",
"sender_country": "GB",
"recipient_company": "Vortex Trading FZE",
"recipient_country": "AE",
"amount": 250000,
"currency": "USD"
}'Native Model Context Protocol (MCP) server support included for AI workflows. Explore MCP Setup →
Institutional Trust Standards
- Real-time scoring prevents illicit settlement before irrevocable fund transfer.
- Combines entity verification with high-concurrency payment analytics.
- Audit-ready records supporting automated SAR filing documentation.
- High-throughput API built for enterprise banking volume SLAs.
Intercept high-risk payments in real time
Score transaction risk, verify counterparties, and protect settlement accounts with sub-second API intelligence.