Categorization Hierarchy

Categorization is a feature-based system for classifying customers based on risk level and enabling appropriate monitoring and limits.

Overview

Get Categorization Hierarchy

Before registration, retrieve available categories and features.

Category Types

Individual (B2C) Categories

Organization (B2B) Categories

Feature Configuration

ENHANCED_AML_MONITORING

For high-risk customers requiring enhanced monitoring.

Example Configuration:

TRANSACTION_LIMITS

Define transaction limits for the customer.

Example Configuration:

INTERNATIONAL_PAYMENTS (B2B)

Enable international payment capabilities.

Example Configuration:

Smart Categorization Strategy

High-Risk Customer Criteria

Assign HIGH_RISK_INDIVIDUAL or HIGH_RISK_BUSINESS when:

• ✅ Customer is a PEP (Politically Exposed Person)
• ✅ High transaction volume expected (>€50k/month)
• ✅ High-risk occupation or industry
• ✅ High-risk country of residence/nationality
• ✅ Sanctions list check required
• ✅ Complex ownership structure (B2B)

Standard Customer Criteria

Assign STANDARD_INDIVIDUAL or MEDIUM_RISK_BUSINESS when:

• ✅ No PEP involvement
• ✅ Standard transaction volume
• ✅ Low-risk occupation or industry
• ✅ Low-risk country
• ✅ Simple ownership structure (B2B)

Validation Process

Validation Rules

1. Category must exist in tenant hierarchy
2. All mandatory keys must be provided for each feature
3. Values must match allowed values
4. Multi-value keys can have multiple values (comma-separated)

Common Validation Errors

Missing Mandatory Key

Invalid Value

Best Practices

1. Always call hierarchy endpoint first - Get current categories and features
2. Don’t hardcode IDs - IDs may differ across environments
3. Validate locally before submission - Check mandatory keys and values
4. Use appropriate risk levels - Match customer profile to category
5. Document categorization decisions - Keep audit trail