AI Compliance

curl https://api.overvoid.io/v1/onboarding/entities/{entity_id}/cases/{case_id}/ai-summary \
  -H "Authorization: Bearer cusd_test_YOUR_KEY"

{
  "case_id": "case_01HXZ8B4P7Q...",
  "generated_at": "2026-03-23T15:30:00Z",
  "sections": [
    {
      "title": "Customer Profile",
      "content": "Acme Corp is a Delaware corporation (EIN 12-3456789) onboarded on 2026-01-15. The entity operates 3 wallets across Ethereum Sepolia and Arbitrum Sepolia. Current risk tier: low (score 25). KYB verified via Middesk, UBO verification complete via SumSub."
    },
    {
      "title": "Risk Assessment",
      "content": "Risk score increased from 15 to 25 following a true positive alert for structuring. No PEP associations. No adverse media. Jurisdiction risk is minimal (US-DE)."
    },
    {
      "title": "Alert Context",
      "items": [
        "Alert alt_01HXY9K3M2N: Structuring below CTR threshold — 3 transactions totaling $29,500 within 4 hours on 2026-03-20.",
        "All transactions originated from wallet 0x1234... to 3 different recipient wallets.",
        "Alert disposition: true_positive, escalated to this case."
      ]
    },
    {
      "title": "Transaction Analysis",
      "content": "In the 30 days prior to the alert, the entity conducted 12 transactions totaling $98,200. Nine of these were between $9,500 and $9,900, consistent with a structuring pattern. Average transaction size dropped from $15,000 (Jan-Feb) to $9,750 (March)."
    },
    {
      "title": "Key Findings",
      "items": [
        "Pattern of transactions consistently below $10,000 CTR threshold.",
        "Shift in transaction behavior starting March 2026.",
        "Multiple unique recipient wallets, several unregistered.",
        "Customer was unable to provide satisfactory business justification."
      ]
    },
    {
      "title": "Recommended Actions",
      "items": [
        "File SAR for structuring activity (31 USC 5324).",
        "Consider enhanced due diligence and increased monitoring frequency.",
        "Request updated business documentation from the entity.",
        "Evaluate whether account activity warrants suspension pending review."
      ]
    }
  ]
}

curl -X POST https://api.overvoid.io/v1/onboarding/entities/{entity_id}/cases/{case_id}/ai-sar-narrative \
  -H "Authorization: Bearer cusd_test_YOUR_KEY"

{
  "case_id": "case_01HXZ8B4P7Q...",
  "generated_at": "2026-03-23T16:00:00Z",
  "sections": [
    {
      "title": "WHO",
      "content": "Acme Corp (EIN 12-3456789), a Delaware corporation headquartered at 123 Main St, Wilmington, DE 19801. The entity was onboarded on January 15, 2026, and maintains 3 active cryptocurrency wallets on the Overvoid platform."
    },
    {
      "title": "WHAT",
      "content": "Between March 1 and March 20, 2026, the subject conducted 9 cryptocurrency transactions totaling approximately $87,500. All individual transactions were between $9,500 and $9,900, structured to remain below the $10,000 Currency Transaction Report (CTR) reporting threshold."
    },
    {
      "title": "WHEN",
      "content": "The suspicious activity occurred between March 1, 2026 and March 20, 2026, a period of 20 calendar days. The most concentrated activity occurred on March 20, when 3 transactions totaling $29,500 were executed within a 4-hour window."
    },
    {
      "title": "WHERE",
      "content": "All transactions were conducted on the Ethereum Sepolia blockchain network via the Overvoid platform. Funds originated from wallet address 0x1234... and were sent to multiple recipient wallet addresses, several of which are not registered to any known entity."
    },
    {
      "title": "WHY",
      "content": "The transaction pattern is consistent with intentional structuring to evade CTR filing requirements under 31 USC 5313. The shift in transaction behavior (from an average of $15,000 to $9,750 per transaction) beginning in March 2026 suggests deliberate manipulation of transaction amounts."
    },
    {
      "title": "HOW",
      "content": "The subject used its registered wallet (0x1234...) to initiate multiple on-chain transfers to distinct recipient wallets, each transaction carefully sized below the $10,000 CTR threshold. When contacted, the subject claimed the transactions were vendor payments but was unable to provide documentation or identify the recipient entities."
    }
  ],
  "full_text": "Acme Corp (EIN 12-3456789), a Delaware corporation headquartered at 123 Main St, Wilmington, DE 19801...  [full narrative text combining all sections]"
}

curl https://api.overvoid.io/v1/onboarding/entities/{entity_id}/alerts/{alert_id}/ai-triage \
  -H "Authorization: Bearer cusd_test_YOUR_KEY"

{
  "alert_id": "alt_01HXY9K3M2N...",
  "generated_at": "2026-03-20T14:35:00Z",
  "recommendation": "escalate",
  "confidence": 0.89,
  "reasoning": "High confidence structuring pattern detected. Three transactions totaling $29,500 were conducted within 4 hours, all individually below the $10,000 CTR threshold. This pattern is consistent with 87% of historically confirmed structuring cases in the platform dataset. The entity has no prior alerts, but the sudden shift from typical $15K transactions to sub-$10K amounts is a strong behavioral indicator. Recommend immediate escalation to case investigation.",
  "similar_cases": [
    {
      "case_id": "case_01HWA7C3D5E...",
      "outcome": "filed",
      "similarity_score": 0.92,
      "description": "Structuring pattern with 5 sub-threshold transactions over 3 days"
    }
  ],
  "risk_factors": [
    { "factor": "structuring_pattern", "weight": 0.40 },
    { "factor": "behavioral_shift", "weight": 0.25 },
    { "factor": "unregistered_recipients", "weight": 0.15 },
    { "factor": "concentrated_timing", "weight": 0.09 }
  ]
}

curl https://api.overvoid.io/v1/onboarding/entities/{entity_id}/ai-risk-explanation \
  -H "Authorization: Bearer cusd_test_YOUR_KEY"

{
  "entity_id": "ent_01HXYZ...",
  "current_score": 25,
  "current_tier": "low",
  "generated_at": "2026-03-24T10:00:00Z",
  "sections": [
    {
      "title": "Score Summary",
      "content": "Acme Corp has a risk score of 25 (low tier). The score is primarily driven by a recent true positive alert for structuring activity and baseline jurisdiction risk."
    },
    {
      "title": "Primary Contributors",
      "items": [
        "Alert history (+10 points): One true positive alert for structuring below CTR threshold. The case is currently under investigation.",
        "Volume anomaly (+10 points): Transaction volume in March 2026 deviated significantly from the January-February baseline, with a shift toward smaller, more frequent transactions.",
        "Jurisdiction risk (+5 points): US-DE jurisdiction carries minimal inherent risk, but contributes a baseline score."
      ]
    },
    {
      "title": "Neutral Factors",
      "items": [
        "PEP status (0 points): No politically exposed persons identified among UBOs.",
        "Adverse media (0 points): No adverse media findings.",
        "Screening staleness (0 points): Screening is current and within the scheduled window."
      ]
    },
    {
      "title": "Score Outlook",
      "content": "If the current case results in a SAR filing, the risk score is projected to increase to approximately 40 (medium tier), triggering weekly screening and enhanced monitoring. If the case is closed with no SAR, the score may decrease over the next 90 days as the alert ages out of the scoring window."
    }
  ]
}