API Reference

Arkē is a compliance API for European fintechs and SMEs. Three endpoints cover the full regulatory workflow: counterparty risk screening, transaction monitoring, and SAR draft generation. All three are live and callable right now. See regulatory coverage for the full obligation-to-pillar mapping across MiCAR, AMLD6, DORA, NIS2, and AMLA.

Base URL

https://arke-144174.polsia.app

Content type

All requests and responses use JSON.

Content-Type: application/json

Coverage

Screening checks against:

Authentication

Current (MVP)

No authentication header required. Rate limits apply per IP.

Planned (coming soon)

Authorization: Bearer <your_api_key>

Keys will be scoped per endpoint group (screen / monitor / reporting) and per-account usage quotas will match your plan tier.

Error format

All errors return a JSON object with an error key. HTTP status codes follow standard conventions.

{
  "error": "name is required"
}

Counterparty Screening

Screens a named person or entity against OFAC SDN, EU consolidated, UN, PEP registers, and open-source adverse media. Returns a risk score 0–100, a recommendation, and a per-category evidence breakdown. Typical latency: 2–5 seconds.

Request schema

Response schema

cURL example

curl -s -X POST https://arke-144174.polsia.app/api/screen \
  -H "Content-Type: application/json" \
  -d '{
    "name": "Zenith Trading LLC",
    "type": "entity",
    "country": "AE"
  }'

{
  "risk_score": 62,
  "risk_level": "MEDIUM",
  "recommendation": "Enhanced due diligence required before proceeding. No direct sanctions match found, but adverse media and jurisdiction risk warrant additional verification.",
  "findings": [
    {
      "category": "OFAC SDN",
      "details": "No direct match found on OFAC Specially Designated Nationals list.",
      "confidence": "LOW"
    },
    {
      "category": "EU Consolidated",
      "details": "No match on EU Council consolidated sanctions list.",
      "confidence": "LOW"
    },
    {
      "category": "UN Security Council",
      "details": "No match on UN consolidated sanctions list.",
      "confidence": "LOW"
    },
    {
      "category": "PEP",
      "details": "No politically exposed persons identified in ownership structure.",
      "confidence": "MEDIUM"
    },
    {
      "category": "Adverse Media",
      "details": "Open-source search found references to UAE-based trading entities in financial crime investigations. Jurisdiction-level risk elevated.",
      "confidence": "MEDIUM"
    },
    {
      "category": "Regulatory Actions",
      "details": "No specific regulatory sanctions or enforcement actions identified.",
      "confidence": "MEDIUM"
    }
  ],
  "matched_lists": [],
  "screened_at": "2026-05-23T14:00:00.000Z"
}

Transaction Monitoring

Batch-analyzes a set of transactions for AML typologies: structuring, high-risk corridors, velocity patterns, round-number clustering, and unusual counterparty behavior. Returns per-row risk scores plus a batch summary.

Request schema — JSON mode

Transaction object

Request schema — CSV mode

Response schema

Per-transaction result

cURL example

curl -s -X POST https://arke-144174.polsia.app/api/monitor \
  -H "Content-Type: application/json" \
  -d '{
    "transactions": [
      {
        "amount": 9500,
        "currency": "EUR",
        "counterparty": "Zenith Trading LLC",
        "corridor": "DE→AE",
        "timestamp": "2026-05-20T09:15:00Z"
      },
      {
        "amount": 9800,
        "currency": "EUR",
        "counterparty": "Zenith Trading LLC",
        "corridor": "DE→AE",
        "timestamp": "2026-05-20T11:42:00Z"
      },
      {
        "amount": 52000,
        "currency": "EUR",
        "counterparty": "Crypto Exchange XYZ",
        "corridor": "DE→Crypto",
        "timestamp": "2026-05-21T14:00:00Z"
      }
    ]
  }'

{
  "results": [
    {
      "risk_score": 78,
      "risk_level": "HIGH",
      "flags": ["structuring", "high_risk_corridor"],
      "rationale": "Two transactions just below the €10,000 reporting threshold sent to the same UAE counterparty within 2.5 hours. Classic structuring pattern. DE→AE corridor is elevated-risk for trade-based money laundering."
    },
    {
      "risk_score": 78,
      "risk_level": "HIGH",
      "flags": ["structuring", "high_risk_corridor"],
      "rationale": "Second transaction in structuring pattern. Same counterparty, same corridor, same session. Both individually sub-threshold; combined they exceed €10k."
    },
    {
      "risk_score": 85,
      "risk_level": "HIGH",
      "flags": ["high_risk_corridor", "crypto_exposure"],
      "rationale": "Large transfer to unregulated crypto exchange. Crypto corridor carries inherent layering risk. Amount exceeds typical retail threshold."
    }
  ],
  "summary": {
    "total": 3,
    "flagged": 3,
    "top_typology": "structuring",
    "recommendation": "All three transactions require enhanced due diligence. Structuring pattern across transactions 1–2 warrants SAR consideration. File a suspicious activity report if no legitimate business explanation is available."
  }
}

SAR Reporting

Generates an AMLD6-compliant Suspicious Activity Report draft in FIU narrative format. The output covers all four mandatory SAR sections and highlights missing fields your compliance officer will need to complete before filing.

Request schema

Response schema

cURL example

curl -s -X POST https://arke-144174.polsia.app/api/reporting \
  -H "Content-Type: application/json" \
  -d '{
    "reporting_entity": {
      "name": "Acme Fintech GmbH",
      "jurisdiction": "DE"
    },
    "subject": {
      "name": "Zenith Trading LLC",
      "type": "entity",
      "country": "AE"
    },
    "suspicious_activity_categories": ["structuring", "sanctions_evasion"],
    "transactions": "amount,currency,counterparty,corridor,timestamp\n9500,EUR,Zenith Trading LLC,DE→AE,2026-05-20T09:15:00Z\n9800,EUR,Zenith Trading LLC,DE→AE,2026-05-20T11:42:00Z",
    "date_range": {
      "from": "2026-05-01",
      "to": "2026-05-23"
    },
    "narrative_notes": "Two sub-threshold transfers to UAE entity within 3 hours. No clear commercial purpose on file."
  }'

{
  "draft_id": "sar-2026-05-23-a1b2c3",
  "sections": {
    "subject_identification": "Subject: Zenith Trading LLC, registered in United Arab Emirates. Entity type: corporate. No regulatory registration number on file. Relationship with reporting entity: counterparty to two payment transactions in May 2026.",
    "suspicious_activity_description": "The reporting entity identified two transactions exhibiting classic structuring behaviour: consecutive payments of EUR 9,500 and EUR 9,800 to the same UAE-registered entity within a 2.5-hour window on 20 May 2026, both deliberately structured below the EUR 10,000 cash reporting threshold. The transactions share the same beneficiary, payment corridor (DE→AE), and lack documented commercial purpose. The pattern is consistent with AMLD6 Article 33 suspicion indicators for structuring.",
    "transaction_analysis": "Transaction 1: EUR 9,500 | 2026-05-20 09:15 UTC | DE→AE | Zenith Trading LLC\nTransaction 2: EUR 9,800 | 2026-05-20 11:42 UTC | DE→AE | Zenith Trading LLC\nCombined value: EUR 19,300. Both transactions individually below the €10,000 reporting threshold. Aggregate exceeds threshold. Same counterparty, same corridor, same business day. No commercial invoice or contract reference provided.",
    "action_taken": "Transactions have been flagged for review. Customer relationship placed under enhanced monitoring. No further transactions processed pending completion of this SAR review. This draft has been submitted to the compliance officer for review and filing with the relevant FIU."
  },
  "missing_fields": [
    "Subject's registered address",
    "Ultimate beneficial owner details",
    "Counterparty bank name and IBAN",
    "Internal case reference number"
  ],
  "suggested_filing_jurisdiction": "Germany (BaFin FIU)",
  "risk_summary": "Two structuring transactions totalling EUR 19,300 sent to a UAE entity with no documented commercial purpose. Pattern consistent with threshold avoidance under AMLD6 Article 33. Recommended action: file SAR with BaFin FIU within the 24-hour mandatory reporting window.",
  "generated_at": "2026-05-23T14:00:00.000Z"
}

Rate limits & SLAs

Request rate limits (MVP)

Uptime

Arkē runs on Render with Neon PostgreSQL. No uptime SLA is formally committed for MVP. Target availability is 99.5%. For production integrations requiring a contractual SLA, contact pilot@arke.polsia.app.

48-hour go-live commitment

From the moment you sign up, your account is production-ready within 48 hours. This includes API access confirmation, onboarding call (optional), and sample integration walkthrough. No sales cycle required.

Changelog