{ "rule_id": "structuring_v3", "rule_type": "aml_typology", "event_types": ["transfer", "cash_deposit"], "threshold_amount": 9500, "window_hours": 24, "min_event_count": 3, "customer_risk_filter": ["MEDIUM", "HIGH", "VERY_HIGH"], "action": "alert_and_case", "status": "active"}Cover the full risk perimeter on one layer.
Fraud, AML, sanctions, identity, and 3D Secure run on a 360° customer view, one ledger, one audit trail — built into nCore.
One layer, one 360° customer view.
Identity, fraud, risk, AML, and 3D Secure are capabilities of a single layer — every event flows through the same pipeline and is decided against the same model of who your customer is.
Identity
KYC, KYB, and identity verification at onboarding, with ongoing monitoring and periodic reviews — on the same 360° customer view the rest of the layer reads from.
Onboarding · 360° customer viewOngoing
Customer profile
Record #1 · linked across layer
Document authenticity
KYC · government IDLiveness + biometric
selfie matchBusiness registry
KYB · UBO resolvedPeriodic review · scheduledVerified
Fraud monitoring
Real-time fraud decisioning on every authorization — approve, challenge, or block across card-present, card-not-present, account-takeover, and app-based fraud, with SHAP attribution behind every score.
Authorization · real-time decisionScoring
0.120.12
Fraud risk score · low
Why · top signals
Device trust−
Velocity (24h)+
Geo consistency−
CNP · account-takeover · app fraud187 ms
Risk management
A live Customer Risk Rating, from low to very high, sets each customer's alert thresholds, review frequency, and monitoring intensity. Fraud, AML, and compliance all act on it from one shared case system.
Customer Risk Rating · liveRecalculated
MediumMedium
LowMediumHighVery high
Review cadence
Every 6 months
Monitoring
Enhanced
AML & sanctions
AML transaction monitoring against configurable typologies, plus sanctions and PEP screening on every transaction, beneficiary, and onboarding — with STR/SAR generation and filing under maker-checker.
Screening · per transactionReal-time
Sanctions (consolidated)
OFAC · UN · EU · UKPEP + adverse media
fuzzy name matchInternal watchlist
configured typologiesNo matchNo match
Screening…
3D Secure
Issuer-side ACS step-up authentication for card-not-present payments, with challenge decisions driven by the same enriched signals as fraud scoring.
3D Secure · issuer ACSStep-up
CNP authorization
frictionless eligibleRisk signals reviewed
step-up requiredChallenge presented
ACS · issuer-sideAuthenticatedAuthenticated
Awaiting cardholder…
See why every decision was made.
Every score, alert, and case is backed by the signals that drove it, the operator actions taken, and an immutable record of both.
Financial crime suite
LiveFraud monitoring
Decisions today
1.92M
+2.4%vs yesterday
Approval rate
96.1%
within baseline
Block rate
0.84%
−0.12%vs yesterday
Fraud caught
$1.46M
+8.4%today
Live authorization stream
ScoreReferenceTransactionDecision
CNP · TravelAUTH ····1109 · $780.00 · nowCHALLENGE
CP · GroceryAUTH ····6657 · $54.10 · 2s agoAPPROVE
CNP · Cross-borderAUTH ····2214 · $3,500.00 · 5s agoBLOCK
CP · FuelAUTH ····8830 · $92.40 · 9s agoAPPROVE
CNP · ElectronicsAUTH ····5520 · $1,940.00 · 14s agoCHALLENGE
CNP · Online retailAUTH ····7741 · $248.00 · 21s agoAPPROVE
Signal attribution
Last BLOCK · 9191Risk score · AUTH ····2214
BLOCKGeographic physics
+34%Device trust
+27%Transition anomaly
+19%Behavioral baseline
−12%Merchant familiarity
−8%3DS challenge
86.9%Frictionless
3.1%Challenged
79.4%OTP pass
Decision rate
14 daysApproveChallengeBlock
Configure typologies, thresholds, and screening through the API.
AML rules, sanctions lists, and risk thresholds — versioned, applied in real time, and logged to the ledger.
Read the docs →Deploy in the cloud, on-soil, or on-premise.
NymCard is deployment-agnostic by design. nCore is built on cloud-native architecture but isn't bound to the cloud — the same platform runs in the cloud, on-soil, or fully on-premise, configured to your regulatory and data-residency requirements.
Cloud
Multi-region, NymCard-hosted, fully managed.
On-soil
Hosted by NymCard inside your country, meeting in-country data residency.
On-premise
Run inside your own data center, fully self-hosted.
Common questions.
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