Risk Scoring

CRYMBO Connect includes a flexible risk scoring system that allows institutions to assess and respond to potential compliance risks at the user, wallet, or VASP level. Risk scores are stored as metadata and can be used to trigger enforcement actions such as KYC, KYB, or transaction blocking.

This system enables granular, real-time compliance enforcement without locking your flows into static rules.

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How Risk Scores Work

• Risk scores are numeric (0–100)
• Can be assigned to users, wallets, or institutions
• Evaluated against rule-based thresholds in your business logic
• Can be updated manually or by automated processes
• Used to gate actions like withdrawals, deposits, or onboarding

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🧾 Assign Risk Score to a User

Endpoint:
POST /v3/users/meta/update

Payload Example:

{
	"userId": "user_001",
	"meta": {
		"RISK_SCORE": 87,
		"RISK_JURISDICTION": true,
		"TRIGGER_MANUAL_REVIEW": true
	}
}

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🧾 Assign Risk Score to a Wallet

Endpoint:
POST /wallets/assign-metadata

Payload Example:

{
	"walletId": "wallet_abc123",
	"meta": {
		"RISK_SCORE": 65,
		"GEO_FLAGGED": true
	}
}

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Example Enforcement Logic

Risk Condition	Enforcement Outcome
RISK_SCORE > 80	Require enhanced KYC before transfer
RISK_SCORE > 90	Block transaction and trigger alert
RISK_JURISDICTION = true	Require KYB and admin approval
GEO_FLAGGED = true	Restrict on-ramp/off-ramp usage

These rules can be evaluated in your service logic or via compliance middleware.

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Updating Scores Post-Transaction

Risk scores can be increased or decreased based on user activity, oracle feedback, or external signals.

Example:

• Increase score if deposit exceeds threshold from unverified source
• Lower score after successful PII verification and whitelist confirmation

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Event-Driven Risk Triggers

Integrate with compliance events such as:

• PIIRequested
• PIIProvided
• TransactionCompliant

You can subscribe via webhooks or blockchain listeners and adjust scores accordingly.

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Let me know if you'd like to continue with the next section: Travel Rule & PII Submission.