Worldwide AML Pattern Language (WAPL)

Overview

WAPL is the global AML pattern recognition language used by DBIS to detect illicit transfers, identify layering, smurfing, structuring, flag cross-border velocity anomalies, detect SSU manipulation, and identify DeFi laundering schemes.

Pattern Syntax

Example Pattern: Circular FX Laundering

pattern CIRCULAR_FX:
  if occurs(
     FX_trade[X].pair == FX_trade[Y].pair.reverse &&
     abs(FX_trade[X].amount - FX_trade[Y].amount) < tolerance &&
     entity_link(X.entity, Y.entity) == true
  ) raise_alert("Circular FX pattern detected")

Example Pattern: High-Velocity CBDC Layering

pattern CBDC_LAYERING:
  if velocity(wallet) > threshold &&
     hops(wallet) > 4 &&
     transaction_type == "micro-split":
     raise_alert("CBDC layering risk")

Machine-Learning Enhanced Patterns

WAPL integrates:

Graph embeddings
Anomaly detection
Statistical signatures
Behavioral clustering

API Endpoints

Initialize WAPL

POST /api/v1/wapl/initialize

Get Patterns

GET /api/v1/wapl/patterns
GET /api/v1/wapl/patterns/:patternCode

Match Patterns

POST /api/v1/wapl/match/:transactionId

Get Alerts

GET /api/v1/wapl/alerts?status=PENDING

Create Pattern

POST /api/v1/wapl/patterns

Usage Example

import { waplService } from '@/core/compliance/wapl';

// Initialize WAPL
await waplService.initialize();

// Match transaction against patterns
const matches = await waplService.matchPatterns(transactionId);

// Get alerts
const alerts = await waplService.getAlerts('PENDING');

Database Models

WAPLPattern: Pattern definitions
PatternMatch: Pattern match results
PatternAlert: Generated alerts

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