KYT Risk Engine

Celar includes a built-in Know Your Transaction (KYT) engine that scans every transaction in real time. You can use it as part of our full orchestration stack — or as a standalone compliance layer integrated into your existing stablecoin flows.

Integration Modes

You can use KYT as part of the full Celar stack or plug it into your existing flows:

1. Full Orchestration

Let Celar handle the full payment lifecycle — from stablecoin initiation to settlement. KYT checks are run automatically on all incoming payments.

2. Compliance-as-a-Service

Already have stablecoin payments in place? Use Celar solely for KYT. Submit transactions to our API and receive risk scores, flags, and webhooks — with zero infrastructure overhaul.

How KYT Works

Each transaction goes through a real-time, multi-rule evaluation engine:

1. Trigger
   Payment is detected on-chain.

2. Evaluation
   Celar checks the transaction against several internal rules including:

   • Sanctioned addresses
   • Suspicious volume/activity
   • Country thresholds and heuristics

3. Scoring
   Each matched rule contributes to a cumulative score.

4. Verdict
   Based on the score, Celar classifies the payment:

   • allow: proceed to next step
   • flag: allow but log for review
   • block: halt processing and notify PSP

Risk Scoring Output

Each KYT check produces a structured result:

{
  "risk_level": "high",
  "score": 82,
  "flags": ["Known mixer", "Exceeds country threshold"]
}

• risk_level: low, medium, or high
• score: Numerical value used internally for decisioning
• flags: Specific risk triggers that matched

Webhook Delivery

KYT results are delivered via real-time webhooks when a payment fails our risk checks:

payment.failed (If blocked)

{
  "event": "payment.failed",
  "reason": "Risk blocked"
}

Whether you use Celar as your full orchestration engine or just as a compliance layer, our KYT system ensures every transaction is scanned, scored, and secured — so you can focus on growth, not regulation.