sumsub-create-kyt-rules

name	sumsub-create-kyt-rules
description	Configure KYT transaction monitoring rules with tags, applicant risk scoring and risk levels. TRIGGER when the user says "create / add / set up KYT rules / TM rules", "configure transaction monitoring", describes scoring logic (flag/block/hold transactions by amount, country, direction, peer, or other conditions), wants to "update / change / edit an existing rule" (by name or title), asks to "configure applicant scoring / risk scoring / assessment", "set up tags", "define risk levels / thresholds", or "configure applicant risk". SKIP for applicant levels, questionnaires, PoA presets, workflows, or non-TM tasks.
allowed-tools	Read, Write, Bash

Sumsub — KYT Rules, Applicant Scoring & Risk Levels

Configures the full KYT transaction monitoring stack:

• Rules — translates user intent into KytTxnRule payloads and POSTs them one at a time. Supports creating new rules and modifying existing ones (by posting a new revision). New rules always start in testMode (dryRun: true) — they appear in dryScore but do not affect the live outcome until activated in the dashboard.
• Tags & applicant scoring — creates and configures tags (named risk markers) and the assessment that maps tag weights into a composite applicant risk score.
• Risk levels — configures the score thresholds that translate a numeric risk score into a human-readable label (e.g. Low / Med / High).

Rules, tags, and risk levels form a single pipeline: a rule fires → applies tags → tags accumulate a weighted score → score maps to a risk level.

Endpoints

Method	Path	Description	Response
GET	/resources/api/agent/tm/rules/-/installed	List existing rules. Supports ?limit=<n> and ?offset=<n>. Requires seeKytRules.	{ list: { items: [...] } }
POST	/resources/api/agent/tm/rules	Create a new rule or a new revision. For creation omit id and name. For a revision include the existing name slug and "id": null. Requires manageKytRules.	200 rule object · 400 error message
GET	/resources/api/agent/tm/rules/-/bundle/{bundleName}/{category}	List rules in a bundle by name and installation status. category: installed, available, archived. Requires seeKytRules.	{ list: { items: [...] } }
GET	/resources/api/agent/tm/rules/{id}	Read one rule by id. Requires seeKytRules.	rule object
GET	/resources/api/agent/tm/settings/tags	List all KYT tags with their assessment configuration and linked rules.	{ tags: [...] }
POST	/resources/api/agent/tm/settings/tag	Create or update a KYT tag. Body: {"tag": {"name": "...", "styleClass": "...", "color": "#RRGGBBAA", "scorable": true, "includeInReporting": true, "scoreWeight": 1.0}}. color must be 8-digit hex. Requires manageKytSettings.	200 empty body
GET	/resources/api/agent/tm/settings/applicantAssessment	Get current applicant assessment scoring configuration (tag weights, hierarchy, company beneficiary weights).	assessment settings object
PATCH	/resources/api/agent/tm/settings/applicantAssessment	Replace applicant assessment scoring configuration. Requires manageKytSettings.	200 updated assessment settings
GET	/resources/api/agent/tm/settings/riskLevel	Get current applicant risk level thresholds.	risk level settings object
PATCH	/resources/api/agent/tm/settings/riskLevel	Replace risk level thresholds. Body: min 2 items, each with label (≤256), rangeFrom (≥0), styleClass — one of: grey, black, blue, green, cyan, teal, lime, yellow, orange, volcano, red, pink, fuchsia, purple, purpleLight. Requires manageKytSettings.	200 updated risk level settings
GET	/resources/api/agent/tm/clientLists/{listName}	Fetch a client list by name. 404 if not found. Requires seeClientLists.	client list object
POST	/resources/api/agent/tm/clientLists/{listName}	Create a client list (idempotent). Requires manageClientLists.	client list object

See references/kyt-rule-schema.md for the full rule SumScript expression field reference and type system.

Auth — App Token + secret (sandbox only)

This skill talks to the public Sumsub API and signs each request per the authentication reference. The full how-it-works writeup lives in the sumsub-api-auth skill — read it if you hit 401 Invalid signature.

⚠️ Sandbox tokens only. Do not accept or use a production App Token here. If the user offers one, refuse and ask them to generate a sandbox pair at https://cockpit.sumsub.com/checkus/devSpace/appTokens (toggle the workspace to Sandbox first, then Create). Token + secret are shown once — copy both before closing the dialog. The helper script enforces this — it rejects tokens that don't start with sbx:.

Var	Example
SUMSUB_APP_TOKEN	sbx:... — sandbox App Token from the dashboard.
SUMSUB_SECRET_KEY	The paired secret shown once at token creation.
SUMSUB_BASE	Optional. Defaults to https://api.sumsub.com.

If the user has already supplied credentials in conversation, reuse them; otherwise ask once before running. Never echo the secret back.

Tenant Entitlements

KYT rules require the KYT entitlement at minimum. Additional per-type requirements apply:

Rule types value	Required entitlement
finance	KYT
travelRule	TRAVEL_RULE
kyc	KYT (or TM_INDIVIDUAL_APPLICANT_SCORING, TM_COMPANY_APPLICANT_SCORING, KYT_ANTI_FRAUD, DEVICE_INTELLIGENCE)
userPlatformEvent	KYT_ANTI_FRAUD + KYT
scheduledEvent	TM_SCHEDULED_EVENTS + KYT

Before creating any rules, run bash scripts/check_permissions.sh from the sumsub-check-permissions skill directory and verify KYT (and any type-specific permission) is present in the allowed array.

If KYT is not in allowed — stop immediately. Do not build or POST any rules. Tell the user the entitlement is missing and that they need to contact their CSM or Sumsub support to get it enabled.

Procedure

0. Fetch tenant entitlements. Run sumsub-check-permissions and store the allowed array. Verify KYT is present; abort with an explanation if missing.

1. Determine mode — create or modify.

   • Modify mode: the user provides a rule name (immutable slug, e.g. fin-ben-pep-ter-list-abo-thr-WoGD) or enough context to identify one. Run bash ${CLAUDE_SKILL_DIR}/scripts/get_kyt_rules.sh, find the rule by name or title, and store the full current document. Show the user the existing conditionEl, score, action, and types, then collect only the fields they want to change. Skip to step 2a.
   • Create mode: the user describes a new rule. Run bash ${CLAUDE_SKILL_DIR}/scripts/get_kyt_rules.sh and check for a title collision — the server creates a duplicate on every POST with no deduplication. If a rule with a matching title already exists, offer to skip creation and modify the existing one instead.

2. Translate user intent to compact specs. For each rule the user wants to create, collect:

   • title (≤128 chars, required)
   • types — one or more transaction types (see table below)
   • A plain-English description of the condition (used to generate conditionEl in step 3)
   • score (integer, default 0), action (score | onHold | awaitUser | reject)
   • Optional: desc, tags, bundleName, priority, stopOnMatch, sourceKeys

2a. Ensure client lists exist — if any rule will reference clientLists.<name> in its conditionEl, verify each list exists before generating or validating expressions: bash bash ${CLAUDE_SKILL_DIR}/scripts/get_kyt_client_list.sh <listName> - HTTP 200 → list exists; proceed. - HTTP 404 → list does not exist; create it: bash bash ${CLAUDE_SKILL_DIR}/scripts/create_kyt_client_list.sh <listName> The POST is idempotent — it succeeds even if the list was created in the meantime. Do not proceed to validation or rule creation until every referenced client list is confirmed.

3. Generate conditionEl. For each rule that needs a condition:
   • Construct the SumScript boolean expression using the type definitions in references/kyt-rule-schema.md.
   • Do not guess field paths. Only use fields confirmed in the schema — verify the path from root to leaf before writing the expression.
   • For default-currency amount checks use data.info.amountInDefaultCurrency (normalized amount), not data.info.amount (source-currency amount) — unless the user explicitly asks for source-currency filtering.
   • Scheduled rules (types: ["scheduledEvent"]) do NOT use conditionEl for their trigger — use noEventTrigger instead (see references/kyt-rule-schema.md).
   • For multi-branch scoring (different score per sub-condition), use addScoreIf inside conditionEl and set the payload-level score: 0, action: "score" (see Scoring section).

3a. Validation is built into POST — the server validates conditionEl syntax during the create call (step 6). No separate pre-flight step is needed. If validation fails the server returns HTTP 400 with an error message describing the problem — fix the expression and re-POST.

4. Build payload. Assemble the JSON for each rule following these constraints:

   Create mode:

   • Required fields only: title, types (min 1 value).
   • For eval rules: include conditionEl, score, and action when relevant.
   • Never send id or name — the server assigns both.

   Modify mode (new revision):

   • Include "name": "<existing-slug>" — the immutable slug from the existing rule.
   • Include "id": null — an explicit null. This signals the server to create a new revision rather than a new rule. Do not use "id": "" (empty string) — Jackson will reject it as an invalid ObjectId and return HTTP 400.
   • Carry over all unchanged fields from the existing rule document. Only change the fields the user asked to modify.
   • title and types remain required.

   Both modes — always apply:

   • Never send server-assigned or audit fields: clientId, actual, revision, timestamps (createdAt, modifiedAt, archivedAt), author fields.
   • Never send scope or bgCheckTargets — license-control fields managed by the server.
   • Create mode: never send dryRun or disabled; the server initialises them to true and false.
   • Modify mode: carry over dryRun and disabled from the existing rule document — the server uses the sent values to preserve the rule's current activation and test-mode state across the revision.
   • Omit empty optional containers: sourceKeys: [], caseAction: {}, applicantChange: {}, applicantActions: {"actions": {}}, varDefinitions: {"definitions": []}, varValues: {"values": {}}.
   • Do not mix scheduledEvent with other transaction types.

5. Show each payload to the user and ask for explicit confirmation before any POST.

6. POST each rule via bash ${CLAUDE_SKILL_DIR}/scripts/post_kyt_rule.sh < payload.json. Rules are created one at a time. Check the exit code:

   • Exit 0 → HTTP 200; the response body is the created KytTxnRuleView. Proceed to step 7.
   • Exit 1 → HTTP 4xx/5xx; the response body contains the error message. Surface it verbatim, fix the expression, and re-POST.

   Retry cap: allow at most 10 POST attempts per rule. If the 10th attempt still fails, mark that rule as failed, record the last error message, and move on to the next rule — do not abort the entire batch. Report all failed rules in step 9.

7. GET each created rule back via bash ${CLAUDE_SKILL_DIR}/scripts/get_kyt_rule.sh {id}. Compare conditionEl and key fields to what was sent. Report any discrepancy.

8. Build the dashboard link for each rule:

   https://cockpit.sumsub.com/checkus/kyt/rulesManager/rulesList/{name}?clientId={clientId}&xSNSEnv=sbx
   

   name and clientId come from the POST response body. Render as a clickable markdown link.

9. Report — for each rule, lead with its human-readable title:

   • Title and auto-generated name (the short immutable slug)
   • Status: testMode — must be activated in the dashboard to go live
   • types, action, score
   • Dashboard link as a clickable markdown link
   • Rule id on its own final line

   For rules that exhausted all 10 attempts, report them in a Failed rules section with the title and the last HTTP 400 error message.

   Surface 4xx errors verbatim.

⚠️ testMode default. Every new rule starts with dryRun: true. It evaluates against transactions and its result appears in dryScore, but does not affect the real score or action. To make a rule live, open it in the dashboard and set it to "Active".

Compact Spec Format

Express each rule as a JSON object before generating the full payload:

{
  "title": "Hold large outgoing transfers",         // required, ≤128 chars
  "desc": "Holds outgoing transactions over 50 000 in default currency",
  "types": ["finance"],                             // required
  "condition": "outgoing AND amount > 50 000 default currency",  // natural language → conditionEl
  "score": 100,                                     // 0 if using addScoreIf
  "action": "onHold",                              // score | onHold | awaitUser | reject
  "tags": ["HighAmount"],                           // optional; auto-created if new
  "bundleName": "AML Compliance",                   // optional group
  "priority": 10,                                   // optional; higher = evaluated first
  "stopOnMatch": false,                             // optional
  "sourceKeys": ["payment-gateway-1"]               // optional top-level filter
}

Transaction Types

Type	When to use	conditionEl required?	Notes
finance	Payment transfers, deposits, withdrawals	Yes	Most common type
travelRule	Travel-rule transactions	Yes	Requires TRAVEL_RULE entitlement
kyc	KYC/verification session events	Yes
userPlatformEvent	Login, password reset, 2FA events	Yes	Requires KYT_ANTI_FRAUD
scheduledEvent	Periodic applicant re-checks	No (use noEventTrigger)	Must be alone in types

Types may be combined in one rule except scheduledEvent which must be the only type.

Rule Actions

Action	Priority	Effect
score	0	Adds score only (default)
onHold	5	Holds the transaction for review
awaitUser	7	Awaits user action before proceeding
reject	10	Rejects the transaction outright

Across all matched rules, the strongest action wins and scores accumulate.

Scoring & conditionEl

Simple rule (single threshold, one score): Put the score in score and keep conditionEl as a pure boolean.

{
  "title": "Hold high outgoing finance",
  "types": ["finance"],
  "conditionEl": "data.info.direction == 'out' AND data.info.amountInDefaultCurrency > 50000",
  "score": 100,
  "action": "onHold"
}

Multi-branch scoring (different scores per sub-condition): Use addScoreIf inside conditionEl. Set payload score: 0 and action: "score" — otherwise the payload score is double-counted.

• EOR (eager OR): every branch is evaluated, all matching branches accumulate score. Use for independent flags.
• OR (short-circuit): stops at the first matching branch. Use for mutually exclusive tiers (strictest first).

addScoreIf(data.info.amountInDefaultCurrency > 100000, 50) EOR
addScoreIf(applicant.country IN clientLists.sanctioned_countries, 100) EOR
addScoreIf("pep" IN applicant.riskLabels.aml, 75)

Common conditionEl Patterns

# Finance: outgoing transfer over threshold
data.info.direction == 'out' AND data.info.amountInDefaultCurrency > 50000

# Finance: applicant in a client list
applicant.country IN clientLists.high_risk_countries

# Finance: incoming from specific payment type
data.info.direction == 'in' AND data.info.type == 'transfer'

# Finance: crypto transaction
data.info.currencyType == 'crypto'

# KYC: applicant review rejected
applicant.review.decision == 'rejected'

# Travel Rule: counterparty VASP not found
txn.travelRuleInfo.status == 'counterpartyVaspNotFound'

# Aggregation: applicant sent > 3 transactions in last 24 hours
txns.finance.byApplicant.out.lastHours(24).count() > 3

# Aggregation: total outgoing amount in last 30 days
txns.finance.byApplicant.out.lastDays(30).sum(it.data.info.amountInDefaultCurrency) > 100000

For the full type system and all available fields, see references/kyt-rule-schema.md.

Client Lists

Client lists are named sets of values (countries, currencies, peer IDs, etc.) referenced in conditionEl as clientLists.<listName>. A list must exist before a rule that references it can be validated or created.

Checking and creating a list

# Check if a list exists
bash ${CLAUDE_SKILL_DIR}/scripts/get_kyt_client_list.sh high_risk_countries

# Create a list (idempotent)
bash ${CLAUDE_SKILL_DIR}/scripts/create_kyt_client_list.sh high_risk_countries

The POST creates an empty list if it doesn't exist and returns the list document either way.

Required permissions

Operation	Permission
GET (read)	seeClientLists
POST (create)	manageClientLists

If the GET returns 403, seeClientLists is missing. If the POST returns 403, manageClientLists is missing. In both cases, tell the user the missing permission and stop.

Usage in conditionEl

Reference a list by its exact name after the clientLists. prefix:

# Country in a named list
applicant.country IN clientLists.high_risk_countries

# Peer wallet not in an allowlist
NOT (txn.counterparty.wallet IN clientLists.approved_wallets)

# Combined
applicant.country IN clientLists.sanctioned_countries AND data.info.amountInDefaultCurrency > 1000

List contents are managed separately in the Sumsub dashboard (KYT → Client Lists) — the API endpoints only create an empty list; adding values is a dashboard-only operation.

Tags

Tags link rule matches to applicant-level risk assessment:

• Add tags: ["TagName"] to a rule — the tag name auto-creates in KYT settings if new.
• When the rule matches, each tag accumulates the rule's score for the applicant.
• The applicantAssessment post-scoring runner aggregates tag scores into the applicant risk profile.

Scheduled Rules (scheduledEvent)

Scheduled rules fire without an incoming transaction. They find applicants based on trigger criteria and generate synthetic events. See references/kyt-rule-schema.md for the full noEventTrigger structure.

Key constraints:

• types must be exactly ["scheduledEvent"] — cannot be combined with other types.
• Must include applicantChange or applicantActions (at least one).
• conditionEl is optional (use for secondary filtering, not as the primary trigger).
• noEventTrigger.type is either byLevelName (approved applicants at a level, N days after review) or byCustomExpression (free-form applicant filter expression).

Minimal scheduled rule:

{
  "title": "Annual KYC refresh",
  "types": ["scheduledEvent"],
  "noEventTrigger": {
    "type": "byLevelName",
    "levelParams": {
      "levelName": "basic-kyc-level",
      "days": 365
    }
  },
  "applicantChange": {
    "type": "applicantLevel",
    "applicantLevel": {
      "levelName": "re-verification-level"
    }
  }
}

Case Creation on Match

To automatically create a compliance case when a rule matches, add caseAction:

{
  "caseAction": {
    "createCase": true,
    "groupByType": "byApplicant",
    "blueprintId": "<case-blueprint-id>",
    "priority": "high",
    "deadlineHours": 24
  }
}

groupByType: byRule (one case per rule) or byApplicant (one case per applicant, transactions grouped). blueprintId is optional — omit to use the default case template.

Modifying an Existing Rule

To update a rule, POST a new revision to the same endpoint used for creation. The server replaces the current revision atomically and increments revision.

Identify the rule

The user must supply the rule's name (immutable slug) or enough context to identify it by title. List all rules and find the match:

bash ${CLAUDE_SKILL_DIR}/scripts/get_kyt_rules.sh | python3 -c "
import json, sys
items = json.load(sys.stdin).get('list', {}).get('items', [])
for r in items:
    if r.get('name') == 'fin-ben-pep-ter-list-abo-thr-WoGD':
        print(json.dumps(r, indent=2))
"

Or search by title substring:

bash ${CLAUDE_SKILL_DIR}/scripts/get_kyt_rules.sh | python3 -c "
import json, sys
items = json.load(sys.stdin).get('list', {}).get('items', [])
for r in items:
    if 'PEP' in r.get('title', '').upper():
        print(json.dumps(r, indent=2))
"

Show the matching rule's current conditionEl, score, action, and types to the user before proceeding.

Payload shape

Take the existing rule document, apply only the user's requested changes, then:

• Set "id": null — explicit null (signals new revision, not new rule). Never use "" — it fails Jackson ObjectId deserialization with HTTP 400.
• Keep "name": "<slug>" — the existing immutable slug.
• Strip server-managed fields: clientId, actual, revision, scope, bgCheckTargets, timestamps, author fields.
• Keep dryRun and disabled from the existing document — they preserve the rule's current activation and test-mode state across the revision.

{
  "id": null,
  "name": "fin-ben-pep-ter-list-abo-thr-WoGD",
  "title": "Finance — Beneficiary in PEP and terror list above threshold",
  "types": ["finance"],
  "conditionEl": "beneficiary.fullName IN clientLists.pep_and_terror AND data.info.amountInDefaultCurrency > 5000",
  "score": 100,
  "action": "onHold",
  "dryRun": true,
  "disabled": false
}

Validate before posting

If conditionEl changed, the POST validates it automatically. If the server returns HTTP 400, fix the expression and re-POST (same 10-attempt cap as create mode applies).

After posting

• The response contains the new id (the latest revision gets a new id), old name, revision number, and all rule fields.
• GET the rule back by the new id to verify.
• The dashboard link uses the old name:

  https://cockpit.sumsub.com/checkus/kyt/rulesManager/rulesList/{name}?clientId={clientId}&xSNSEnv=sbx
  

• Report the new revision number alongside the title and updated fields.

Applicant Risk Scoring

Applicant risk scoring calculates a composite risk score for each applicant based on the transaction monitoring rules that matched them. The score is built from three layers configured independently:

Rules (produce tags on match)
  └─ Tags (each carries a score weight)
       └─ Assessment (maps tags → weighted score)
            └─ Risk Levels (score thresholds → Low / Med / High label)

How it works

1. Rules fire — when a TM rule matches a transaction, it applies its tags to the applicant.
2. Tags accumulate — each tag carries a scoreWeight. Multiple rule matches sum tag scores.
3. Assessment aggregates — the assessment config controls which tags count toward the total score (includeInTotalScore), their relative weights (scoreWeight), and optional hierarchy (items).
4. Risk level assigned — the total score is compared against riskLevelThresholds to produce a human-readable risk label (e.g. Low / Med / High).

For companies, companyBeneficiarySettings in the assessment applies role-based weights (UBO, director, shareholder…) so the applicant's score accounts for the risk of their associated parties.

Configuring applicant scoring — step by step

Step 1 — Create/update tags

echo '{"tag": {"name": "HighValue", "styleClass": "red", "color": "#FF000080", "scorable": true, "scoreWeight": 1.0}}' \
  | bash scripts/post_kyt_tag.sh

Read back all tags to confirm:

bash scripts/get_kyt_tags.sh

Step 2 — Configure assessment

Map tags to weighted scores. id is a client-assigned stable identifier for the entry.

{
  "scores": [
    {
      "id": "high-value-score",
      "tag": "HighValue",
      "includeInTotalScore": true,
      "scoreWeight": 1.0
    }
  ],
  "companyBeneficiarySettings": [
    { "beneficiaryType": "ubo",      "weight": 1.0 },
    { "beneficiaryType": "director", "weight": 0.5 }
  ]
}

Valid beneficiaryType values: shareholder, representative, director, ubo, companyOfficer, secretary, founder, investor, legalAdvisor, authorizedSignatory, trustee, trustBeneficiary, trustSettlor, trustProtector, payer.

# Read current
bash scripts/get_kyt_applicant_assessment.sh

# Apply new config
echo '<payload>' | bash scripts/patch_kyt_applicant_assessment.sh

Step 3 — Configure risk level thresholds

# Read current
bash scripts/get_kyt_risk_level_settings.sh

# Apply new thresholds (min 2 required)
echo '{"riskLevelThresholds": [
  {"label": "Low",  "rangeFrom": 0,   "styleClass": "green"},
  {"label": "High", "rangeFrom": 75,  "styleClass": "red"}
]}' | bash scripts/patch_kyt_risk_level_settings.sh

Tags in rules

Add tags to a rule's payload to connect rule matches to the assessment:

{
  "title": "Flag high-value transfers",
  "types": ["finance"],
  "conditionEl": "data.info.amountInDefaultCurrency > 10000",
  "score": 50,
  "action": "score",
  "tags": ["HighValue"]
}

When this rule matches, the HighValue tag is applied to the applicant and its weight contributes to their risk score.

See Also

• references/kyt-rule-schema.md — full field reference and SumScript type system
• examples/minimal.json — bare-minimum working payload
• examples/eval-finance-hold.json — complete finance hold rule
• scripts/get_kyt_bundle.sh — list rules in a bundle by name and category (installed | available | archived)
• scripts/get_kyt_tags.sh — list all KYT tags with assessment config and linked rules
• scripts/post_kyt_tag.sh — create or update a KYT tag (requires manageKytSettings)
• scripts/get_kyt_applicant_assessment.sh — get applicant assessment scoring configuration
• scripts/patch_kyt_applicant_assessment.sh — replace applicant assessment scoring configuration (requires manageKytSettings)
• scripts/get_kyt_risk_level_settings.sh — get current applicant risk level thresholds
• scripts/patch_kyt_risk_level_settings.sh — replace applicant risk level thresholds (min 2, requires manageKytSettings)
• scripts/get_kyt_client_list.sh — check whether a client list exists by name
• scripts/create_kyt_client_list.sh — create a client list (idempotent)
• sumsub-create-transaction — submit test transactions to verify rules
• sumsub-check-permissions — check tenant entitlements
• sumsub-api-auth — authentication reference