Bank integration (Banco)

For organization_type = banco: you operate core banking, switches, or treasury platforms. You typically integrate pay-in assess (when applicable) and payout assess before disbursements, plus institutional modules (cases, Clausum intelligence network).

Modules you need

Module	Required?	Guide
Payout assess	Yes (dispersions)	Payout assessment
Prevention — pay-in assess	If card/rails API	Real-time assessment
API keys	Yes	API keys
Blocklists (flow_scope)	Yes for payout	Blocklists
Outbound webhooks	Recommended	Receiving webhooks
Assess resilience	Yes (prod)	Assess resilience
Cases & regulatory	Yes (CLM-MOD-OPS)	Case management
Report fraud	Yes	Report fraud
Clausum intelligence	If contracted	Intelligence network
Event ingestion	Optional	Event ingestion
Browser SDK	Rare	Usually N/A for core banking

Integration phases

Phase 1 — Core & keys

Confirm SQL migrations for payout (079 blocklists flow_scope, 080 assess_flow) with your Clausum team.
Conexiones → Claves API — Secret keys (clm_sk_*) from core middleware only — never in channels.
Document fail-open policy — Assess resilience.

Phase 2 — Payout prevention (primary)

Call assess before SPEI, wire, or internal transfer authorization:

{
  "amount": 25000.00,
  "amount_unit": "major",
  "currency": "MXN",
  "beneficiary": {
    "id": "ben_core_001",
    "name": "Beneficiary SA",
    "country": "MX",
    "clabe": "012180001234567890"
  },
  "origin": { "account_id": "acct_orig_01", "country": "MX" },
  "payout": {
    "channel": "spei",
    "initiated_by": "ops@bank.com",
    "first_to_beneficiary": false
  }
}

POST /api/v1/assess/payout with clm_sk_*.
On decline → do not release funds; log session_id on the transfer record.
Load CLABE/IBAN blocklists with flow_scope: payout — Blocklists.
Test via POST /api/v1/simulation/payout in Dashboard.

Full playbook: Payout assessment.

Phase 3 — Pay-in (if applicable)

When your API exposes card or instant-payment acceptance:

POST /api/v1/assess with payment_id, customer_id as core references
order_id usually N/A outside e-commerce
Live fields: GET /api/v1/assess → field_requirements_by_segment.bank

Phase 4 — Webhooks & core reconciliation

Outbound URL for transaction.created, transaction.blocked, case.created.
Map session_id to core transaction ids.
Optional ingest for switch events — Event ingestion.

Phase 5 — Operations & network

Case management for expedientes and regulatory submission.
Report fraud feeds blocklists automatically.
If CLM-MOD-INST / intelligence add-ons: follow Clausum intelligence network — enable contribution in Inteligencia, request CLM-ADD-NET-C for consume.
UAT on cert.clausum.ai when provided for sign-off.

Required assess fields

Pay-in (`POST /api/v1/assess`)

Field	Level
`amount`, `currency`	Required
`payment_id`	Recommended — core / switch reference
`customer_id`	Recommended — account or party id
`order_id`	Optional

Payout (`POST /api/v1/assess/payout`)

Field	Level
`amount`, `currency`	Required
`beneficiary`	Required — country, name, clabe, iban, or account_hash
`origin.account_id`, `origin.country`	Recommended
`payout.channel`	Recommended — `spei`, `wire`, `api`

Live catalog: GET /api/v1/assess/payout.

Payout signals to expect

Signal	Typical trigger
`payout_first_beneficiary`	First transfer to beneficiary
`payout_high_risk_country`	Beneficiary jurisdiction
`payout_cross_border_high_amount`	Cross-border above threshold
Blocklist hit	CLABE / IBAN / beneficiary_id

Go-live checklist

Migrations 079 + 080 applied in production Supabase
Payout blocklists loaded with correct flow_scope
Core calls assess synchronously before transfer release
503 / 504 fallback approved by risk committee
Cases workflow and roles configured
Certification UAT completed on assigned stage host

Capability links

Payout assess

Disbursement API

Blocklists

flow_scope and payout types

Cases

Expedientes

Intelligence network

Contribute & consume signals

All capabilities

Module catalog

Get started

Integrate by client type

Capabilities — prevention

Capabilities — events & ops

Dashboard

Core concepts

Reference

Bank integration (Banco)

Modules you need

Integration phases

Required assess fields

Pay-in (`POST /api/v1/assess`)

Payout (`POST /api/v1/assess/payout`)

Payout signals to expect

Go-live checklist

Capability links

Payout assess

Blocklists

Cases

Intelligence network

All capabilities

​Modules you need

​Integration phases

​Required assess fields

​Pay-in (POST /api/v1/assess)

​Payout (POST /api/v1/assess/payout)

​Payout signals to expect

​Go-live checklist

​Capability links

Payout assess

Blocklists

Cases

Intelligence network

All capabilities

Modules you need

Integration phases

Required assess fields

Pay-in (`POST /api/v1/assess`)

Payout (`POST /api/v1/assess/payout`)

Payout signals to expect

Go-live checklist

Capability links