> ## Documentation Index > Fetch the complete documentation index at: https://docs.cbpayapp.com/llms.txt > Use this file to discover all available pages before exploring further. # 提交 AML 筛查 > 通过合规服务对个人或企业（由 payload 判定）进行制裁、PEP 与负面媒体名单筛查。仅名单筛查——带证件与活体核验的身份验证见 /v1/kyc 与 /v1/kyb。身份字段均为可选并完整转发；信息越完整结果越精确。若配置合规费用，调用前扣款，失败则退款。结果本地保存供审计（`GET /v1/aml/screenings`）。必须提供 `idempotency_key`——相同键重放返回原记录且 `idempotency_hit` true，不会重复扣费。 ## OpenAPI ````yaml /openapi.zh.yaml post /v1/aml/screenings openapi: 3.1.0 info: title: CBPay API version: '1.89' description: > CBPay 是一个多币种支付平台:覆盖拉美的法币付款(payout)与收款(payin)、内部转账、链上充值与提现,以及 KYC 筛查。每个账户持有四个相互独立的虚拟余额——USDT(运营货币)、USDC、BTC 和 GOLD(纯金克数)——它们绝不混合也不会自动兑换。 payout 和服务费可从四个余额中的任意一个支付: 用 `PUT /v1/settlement` 设置默认值,或在单笔 payout 中用 `settlement_asset` 覆盖。 所有金额均为十进制字符串,遵循各货币的精度(USDT/USDC/GOLD 为 6 位小数,BTC 为 8 位)。错误始终返回 `{"error": "", "message": ""}`。 servers: - url: https://api.qbank.cl/platform description: Live（生产环境，真实资金） - url: https://cryptobank.qbank.cl/platform description: Test（沙盒，模拟资金 — pk_test_ 密钥） security: - bearerAuth: [] tags: - name: 凭证 description: >- 每笔操作的品牌化 PDF 凭证,附带公开的签名 QR 真伪校验、每个响应/webhook 中的 receipt_url,以及最终状态时的自动邮件发送。 - name: 身份认证 description: 注册与登录账户成员。会话有效期 24 小时。 - name: 账户 description: 调用账户的档案、成员与 API key。 - name: 余额 description: 余额、流水历史与外汇汇率。 - name: 付款(Payouts) description: 从你选择的结算余额扣款的法币派发(默认 USDT)。 - name: 收款(Payins) description: 入账到 USDT 余额的法币充值。 - name: 转账 - name: 联系人 - name: 兑换(Swaps) description: CBPay 账户之间的免费内部转账(个人或企业,任意组合)。 - name: 加密货币 description: 链上充值与提现(TRON、Ethereum 和 Bitcoin)。 - name: 隔离钱包 description: 拥有自身余额的链上钱包(企业不限数量;个人每个网络+资产组合 1 个)——创建、导入、发送、导出私钥与自动转发。余额存在于链上,从不进入账本。 - name: QR Crypto POS description: >- 面向拥有实体 POS 终端的处理商（企业账户）的定额加密货币二维码收款：已验证商户、每笔收款专属地址 + 二维码、支付早期检测、按商户对账，以及经加密货币提现通道的退款。 - name: KYC / KYB - name: AML 筛查 description: 身份验证:个人 KYC、企业 KYB,含 AML 筛查、重新筛查与持续监控。 - name: 钱包筛查 description: 区块链地址的 AML 风险评估(制裁、非法资金暴露),按次收费;另附提现与充值的免费自动防护。 - name: 分析 - name: Webhooks description: 接收签名事件通知的订阅。 - name: 状态 description: 服务可用性。 - name: 银行服务 description: 真实银行账户:通过国际银行通道接收、持有与发送资金。 - name: 卡片 description: 以 Just-In-Time 方式从账户 USDT 余额消费的虚拟卡与实体卡,支持按卡设置消费限额。 - name: 安全(OTP) description: >- 通过 SMS/WhatsApp/email 发送的一次性验证码,保护敏感操作;并提供自助 2FA 偏好设置。仅适用于用户会话——API key 豁免。 - name: 通行密钥 description: >- 通过 WebAuthn 使用设备生物识别(Face ID、Touch ID、Windows Hello、安全密钥)的无密码登录、带备份码的验证器应用(TOTP),以及会话/设备管理。 - name: 社交登录 description: >- 通过令牌交换以 Google、Apple、Microsoft 和 Facebook 实现无密码注册与登录。前端获取提供方凭证;API 验证后签发 CBPay 会话。 paths: /v1/aml/screenings: post: tags: - AML screening summary: 提交 AML 筛查 description: >- 通过合规服务对个人或企业（由 payload 判定）进行制裁、PEP 与负面媒体名单筛查。仅名单筛查——带证件与活体核验的身份验证见 /v1/kyc 与 /v1/kyb。身份字段均为可选并完整转发；信息越完整结果越精确。若配置合规费用，调用前扣款，失败则退款。结果本地保存供审计（`GET /v1/aml/screenings`）。必须提供 `idempotency_key`——相同键重放返回原记录且 `idempotency_hit` true，不会重复扣费。 operationId: submitAmlScreening requestBody: required: true content: application/json: schema: type: object required: - idempotency_key properties: idempotency_key: type: string description: 必填（筛查收费）。也可使用 Idempotency-Key 请求头。 customer: type: object description: > Identity data. Provide `person` or `company`; when omitted it is filled from the account profile. Additional fields are accepted and forwarded to the screening engine. properties: person: type: object description: >- Person identity. Every field is optional; more identity data yields a more precise screening. properties: full_name: type: string first_name: type: string middle_name: type: string last_name: type: string date_of_birth: type: object description: >- Date of birth as an object: {year, month, day} (integers). A plain "YYYY-MM-DD" string is rejected by the screening engine. properties: year: type: integer month: type: integer day: type: integer nationality: type: array items: type: string description: >- Nationalities as an ARRAY of ISO-3166 codes (a plain string is rejected by the screening engine). country_of_birth: type: string residential_information: type: array items: type: object properties: country_of_residence: type: string personal_identification: type: array description: >- Strong identity documents (national ID, passport, ...) as {number, issuing_country}. Do not send a `type` field: the screening engine rejects it. items: type: object properties: issuing_country: type: string number: type: string alias: type: array items: type: string description: Other known names. company: type: object description: >- Company identity. Every field is optional; more identity data yields a more precise screening. properties: legal_name: type: string alias: type: array items: type: string description: Trade / brand names. registration_authority_identification: type: string description: 商业登记机关标识（如税号/登记号）。 place_of_registration: type: string description: 注册/成立国家（ISO-3166）。 incorporation_date: type: object description: 成立日期，对象格式：{year, month, day}（整数）。 properties: year: type: integer month: type: integer day: type: integer address: type: array items: type: object properties: country: type: string email: type: string country: type: string monitor: type: boolean default: false description: Enable continuous monitoring from the start. examples: person: summary: Person (KYC) value: customer: person: full_name: Ana Perez Rojas date_of_birth: year: 1990 month: 4 day: 12 personal_identification: - issuing_country: CL number: 12.345.678-5 email: ana@example.com country: CL monitor: false personFull: summary: Person (KYC) — full identity for the most precise screening value: customer: person: full_name: Ana Perez Rojas date_of_birth: year: 1990 month: 4 day: 12 nationality: - CL country_of_birth: CL residential_information: - country_of_residence: CL personal_identification: - issuing_country: CL number: 12.345.678-5 - issuing_country: CL number: P0123456 email: ana@example.com country: CL monitor: false company: summary: Company (KYB) value: customer: company: legal_name: Comercial Andina SpA registration_authority_identification: 76.543.210-8 email: legal@andina.cl country: CL monitor: true companyFull: summary: Company (KYB) — full identity for the most precise screening value: customer: company: legal_name: Comercial Andina SpA alias: - Andina Market registration_authority_identification: 76.543.210-8 place_of_registration: CL incorporation_date: year: 2015 month: 8 day: 1 address: - country: CL email: legal@andina.cl country: CL monitor: true minimal: summary: Minimal — autofilled from the account value: customer: {} monitor: false responses: '201': description: 筛查已提交并本地保存。 content: application/json: schema: type: object description: 筛查本地镜像及计费字段，完整结果在 `result` 中。 properties: screening_id: type: string kind: type: string enum: - screening service: type: string enum: - compliance_person - compliance_company subject_type: type: string enum: - person - company subject_name: type: string risk: type: string monitor: type: boolean screening_fee: type: string fee_asset: type: string idempotency_key: type: string idempotency_hit: type: boolean created_at: type: string format: date-time result: type: object description: 合规服务返回的中立筛查结果。 example: screening_id: a1b2c3d4-e5f6-7890-abcd-ef1234567890 kind: screening service: compliance_person subject_type: person subject_name: Ana Perez Rojas risk: low monitor: false screening_fee: '2.000000' fee_asset: USDT idempotency_key: aml-screen-ana-1 created_at: '2026-07-12T18:00:00Z' result: customer_id: e1d2c3b4-a596-8778-695a-4b3c2d1e0f9a status: completed risk_level: low screening_result: no_hits monitored: false '400': description: 缺少 idempotency_key（`idempotency_key_required`）。 content: application/json: schema: $ref: '#/components/schemas/Error' example: error: idempotency_key_required message: provide idempotency_key (body or Idempotency-Key header) '401': $ref: '#/components/responses/Unauthorized' '402': $ref: '#/components/responses/InsufficientFunds' '403': $ref: '#/components/responses/AccountRequired' '502': description: Screening temporarily unavailable (`compliance_unavailable`). content: application/json: schema: $ref: '#/components/schemas/Error' example: error: compliance_unavailable message: screening temporarily unavailable components: schemas: Error: type: object properties: error: type: string description: 机器可读的错误代码(snake_case)。 example: insufficient_funds message: type: string description: 人类可读的说明。 responses: Unauthorized: description: 凭证缺失或无效(`unauthorized`)。 content: application/json: schema: $ref: '#/components/schemas/Error' example: error: unauthorized message: invalid or missing credentials InsufficientFunds: description: 账户余额不足以完成此操作(`insufficient_funds`)。 content: application/json: schema: $ref: '#/components/schemas/Error' example: error: insufficient_funds message: account balance is not enough for this operation AccountRequired: description: 此端点需要账户凭证(`account_required`)。 content: application/json: schema: $ref: '#/components/schemas/Error' example: error: account_required message: this endpoint requires an account credential securitySchemes: bearerAuth: type: http scheme: bearer description: | 会话 JWT(来自注册/登录)或 API key(`pk_...`)。 也接受 `X-API-Key: ` 作为替代请求头。 ````