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OneView
Transaction Monitoring

Transaction intelligence for complex banking activity.

Ingest interbank transfers, USSD and VAS (value-added service) payments, and GL (general ledger) journals into a client-controlled intelligence layer designed for detection and regulatory reporting workflows.

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Credit card, payment key, banknotes, and coins representing transaction activity
Universal transaction coverage

Coverage across core banking transaction flows.

From everyday consumer transfers to complex internal ledger adjustments, OneView brings movement-of-money records into one monitoring standard, reducing blind spots across retail, business, and internal operations.

Example

Synthetic data
{
  "transactionReference": "TXN-NIP-10482",
  "externalReference": "CBS-77104",
  "direction": "OUTBOUND",
  "amount": "150000.00",
  "currency": "NGN",
  "executedAt": "2026-08-02T10:30:00Z",
  "initiator": {
    "accountNumber": "0123456789",
    "accountName": "Sample Customer"
  },
  "counterparty": {
    "accountNumber": "9876543210",
    "accountName": "Sample Recipient"
  },
  "telemetry": {
    "ipAddress": "192.0.2.24",
    "deviceId": "device-demo-42",
    "latitude": 6.5244,
    "longitude": 3.3792,
    "appVersion": "4.8.0"
  }
}

External interbank / NIP

Interbank & P2P Money Movement

Review retail and corporate transfers across clearing rails such as NIP with customer, device, and receiving-bank context captured together for risk analysis. Give compliance teams the evidence needed to investigate account takeover, mule activity, and structuring patterns.

Extracted context

Telemetry
IP, device fingerprint, location, and VPN or proxy indicators when supplied.
Initiator context
Customer and account snapshots, supplied identity references, and available risk context.
Counterparty
Receiving-bank, routing, and beneficiary details captured with the transfer.
Counterparties & telemetry forensics

Know every party across the transaction. And every device behind it.

OneView distinguishes who receives or moves value across five banking counterparty types and preserves environmental telemetry, giving analysts and bank-led detection controls clearer forensic context.

Cross-Border & Local Clearing

Captures supplied SWIFT BIC, IBAN, sort codes, and intermediary correspondent routing for out-of-network transfers.

Intra-Bank P2P & Profile Data

Retains supplied recipient risk tiers, Politically Exposed Person (PEP) records, and BVN or NIN profile context from core banking sources.

Accounting Integrity & Staff Activity

Captures double-entry GL posting legs, branch cost centres, and manual staff journal context.

POS & E-Commerce Telemetry

Retains supplied BIN ranges, merchant category codes, terminal IDs, and transaction entry modes.

Biller & Utility Context

Captures biller identifiers, product codes, and target recipient references across USSD and web channels.

Deep telemetry & digital footprints

Investigate the digital context around every transaction.

When supplied by the source channel, network, device, location, and application signals remain attached to transaction activity, helping teams investigate account takeover, device reuse, proxy routing, and geographic inconsistencies.

Network

IP address, network context, and VPN or proxy indicators when supplied.

Device

Device identifiers and fingerprint hashes available for cross-transaction comparison.

Location

Latitude and longitude coordinates available for geographic review.

Application

App version, user-agent, and channel context such as USSD, mobile, or branch when supplied.

Flexible transaction rules engine

Build custom detection rules.

Every financial institution operates under unique risk tolerances. OneView gives compliance and risk teams an intuitive, no-code rule builder to review live core banking transactions, trigger automated safeguards, and prevent financial loss before settlement.

01

Customizable No-Code Rule Builder

Create unlimited detection rules without writing a line of code. Target specific payment flows, account types, currencies, or channels, then combine conditions into precise logic with zero engineering dependencies.

02

Automated Actions & Account Restrictions

Define exact operational responses for every trigger: dispatch instant analyst alerts, hold transactions for in-depth review, reject execution, or automatically apply a timed Post-No-Debit (PND) on the account.

03

Smurfing, Velocity & Anomaly Safeguards

Group rules under Reject, Review, or Alert categories. Automatically flag complex pattern behavior in real time, including rapid multi-account structuring, unusual high-frequency credits, and baseline deviations.

Real-time blacklist screening

Screen every transaction and customer against your blacklists.

Configure a single hit action and OneView screens live transaction and customer activity against every blacklist entity type your bank maintains, from account numbers to device fingerprints.

01

Nine Screened Entity Types

Maintain blacklists across customers, accounts, VAS receivers, GL codes, devices, IP addresses, cards, countries, and bank codes, screened against every transaction and customer in real time.

02

Configurable Hit Action

Choose whether a blacklist match blocks the transaction outright or flags it for review, applied consistently across every screened entity type.

03

Screening Alongside Detection

Blacklist hits are evaluated together with the rules engine's detection results, giving analysts one consolidated outcome per transaction instead of two separate checks to reconcile.

PEP & Sanctions transaction screening

Screen every transaction's sender and receiver, not just the customer.

The same Politically Exposed Person (PEP) and Sanctions screening already available on the KYC module now runs against transactions themselves, available when both PEP & Sanctions screening and Transaction Monitoring are part of your license.

01

Screens The Transaction Itself, Not Just Onboarding

As a transaction is processed, OneView screens both the sender and the receiver against Politically Exposed Person (PEP) and Sanctions lists, the same screening already available on the KYC module, now applied to the movement of money itself.

02

Configurable On Every Dimension

Turn this screening on or off, choose what happens on a match (flag for review, hold, or block), and set how sensitive the match threshold is, all configurable to your bank's own policy.

03

Real Time, With A Safety Net

Screening runs in real time as part of transaction processing. If a check doesn't finish in time, the transaction still completes and is marked for review, so a slow check never holds up processing indefinitely.

Regulatory compliance

Regulatory reporting has its own dedicated module.

CTR, FTR, SAR, and STR filings for Nigeria's financial intelligence regulator (NFIU), plus generation in its exact required file format, now live in a full Reporting module built for the team that owns the filing lifecycle end to end.

Every threshold-exceeding transaction detected here carries through into Reporting for readiness-checked preparation, transaction and party review, and filing in the exact format your regulator requires.

Explore the Reporting module
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Ready to strengthen transaction oversight?

Explore a client-controlled deployment for connected transaction records, analyst visibility, and bank-led detection and reporting workflows.

Request a Transaction Monitoring Demo