AML Credits & Identity Checks
AML Credits & Identity Checks
The AML Credits system allows your organisation to purchase and manage credits used to run AML (Anti-Money Laundering) and KYC (Know Your Customer) identity checks via the Blinc-UK provider.
Dashboard
Navigate to Dashboard → AML Credits (/dashboard/aml) to:
- View your current credit balance.
- Monitor your Blinc-UK integration status (connected / not configured).
- Browse your full paginated transaction history.
- Purchase additional credit packs.
Purchasing Credits
Credits are purchased in packs through a hosted Calmony Pay checkout flow.
Available Packs
| Pack | Credits | Total Price | Per Credit |
|---|---|---|---|
| Starter | 10 | £50.00 | £5.00 |
| Standard | 25 | £112.50 | £4.50 |
| Growth | 50 | £200.00 | £4.00 |
| Enterprise | 100 | £350.00 | £3.50 |
Purchase Flow
- Click Purchase Credits on the AML Credits dashboard.
- Select a pack from the modal.
- You are redirected to the Calmony Pay hosted checkout.
- On successful payment, you are returned to the dashboard and credits are automatically added to your organisation's balance.
- A green confirmation banner confirms the purchase.
If the checkout is abandoned or cancelled, you are returned with a cancellation notice and no credits are deducted.
Transaction History
Every credit movement is recorded with a full audit trail. Use the type filter dropdown to narrow history by:
| Type | Description |
|---|---|
purchase | Credits added via Calmony Pay checkout |
consumption | 1 credit consumed per AML/KYC check initiated |
refund | Credit returned when a check is cancelled |
adjustment | Manual admin top-up or correction |
The history table shows: type, credit amount (positive = credit, negative = debit), running balance after the transaction, description, and timestamp.
Running Identity Checks
Each AML/KYC identity check consumes 1 credit from your organisation's balance. A low-balance warning is shown when fewer than 5 credits remain.
Checks are dispatched via the Blinc-UK provider. The integration status indicator on the dashboard shows whether Blinc-UK is correctly configured.
Note: Credits can be purchased in advance even if the Blinc-UK integration is not yet configured.
Configuration
The following environment variables must be set to enable full AML functionality:
| Variable | Required for |
|---|---|
CALMONY_PAY_SECRET_KEY | Credit pack purchases via hosted checkout |
BLINC_UK_API_KEY | Dispatching AML/KYC identity checks |
BLINC_UK_API_URL | Blinc-UK API base URL |
BLINC_UK_WEBHOOK_SECRET | Verifying Blinc-UK webhook callbacks |
If BLINC_UK_API_KEY is not set, the integration status will show Not configured and checks cannot be initiated, but credit purchases will still work.
tRPC API Reference
All AML procedures are available under the aml namespace via tRPC.
| Procedure | Type | Description |
|---|---|---|
aml.getBalance | Query | Returns the current credit balance for the authenticated organisation |
aml.creditHistory | Query | Paginated transaction ledger; accepts optional type, cursor, limit |
aml.getCreditPacks | Query | Returns available credit packs with pricing |
aml.purchaseCredits | Mutation | Creates a Calmony Pay checkout session for a given packId |
aml.fulfilPurchase | Mutation | Adds credits after successful payment; called automatically on checkout return |
aml.addCredits | Mutation | Admin: manually add credits with a description |
aml.initiateCheck | Mutation | Consumes 1 credit and dispatches an AML check via Blinc-UK |
aml.cancelCheck | Mutation | Cancels a check and refunds 1 credit |
aml.integrationStatus | Query | Returns Blinc-UK configuration status and provider name |