Probitas Sanctions, KYC & KYT for Banks
Proven integrity on the payment path: sanctions, KYC method policy, address KYT, and a VASP registry the Digital Bank Gateway can consume without a bespoke integration.
The problem
- Bolt-on screening that invents CLEAR when lists are stale is worse than no screening.
- Gateway timeouts need fail-closed outcomes, not retries that double-spend nonces.
- Examiners expect explainable matches and a tamper-evident audit, not a black-box score.
What Sika gives you
Multi-list sanctions
OFAC SDN, UN, EU, and UK OFSI with explainable matchers.
Fail-closed gateway ports
CLEAR, HIT_POTENTIAL, HIT_CONFIRMED, ERROR, UNAVAILABLE for payment paths.
Case management
Queue, SLA, and dual-control clear of confirmed hits.
Audit hash chain
Tamper-evident decisions with verify endpoints.
KYC method policy
Jurisdiction rules (for example Ghana Card) before collection.
Address KYT
OFAC designated crypto addresses with honest “what we did not check”.
VASP registry
Verified licences with ACTIVE, LAPSED, and UNVERIFIED status.
Signed webhooks
Case open, escalate, and close for your ops stack.
Launch your institution on Sika
From application to a live, compliant bank in weeks, not years.
How it works
Four steps, all on a single audited core banking ledger.
- 1
Screen
The gateway calls Probitas synchronously with an idempotent external reference.
- 2
Decide
Probitas returns a gateway-shaped outcome and retains full raw detail for audit.
- 3
Case
Potential or confirmed hits open a case; dual control is required to clear confirmed hits.
- 4
Prove
Every decision is hash-chained so examiners can verify the trail.
Probitas Compliance: FAQ
Is Probitas included in Enterprise?
No. Probitas is a premium add-on on every plan, including Enterprise. Core AML monitoring stays in the base platform; Probitas is the deep screening and registry product.
How does Probitas connect to the Digital Bank Gateway?
Install the Probitas DBG adapter with an API key. Gateway ports stay unchanged; outcomes are fail-closed and idempotent on externalRef.
Launch your institution on Sika
From application to a live, compliant bank in weeks, not years.