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- Remove executable permissions from configuration files (.editorconfig, .env.example, .gitignore) - Remove executable permissions from documentation files (README.md, LICENSE, SECURITY.md) - Remove executable permissions from web assets (HTML, CSS, JS files) - Remove executable permissions from data files (JSON, SQL, YAML, requirements.txt) - Remove executable permissions from source code files across all apps - Add executable permissions to Python
425 lines
15 KiB
Python
Executable File
425 lines
15 KiB
Python
Executable File
#!/usr/bin/env python3
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"""
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Real KYC/AML Provider Integration
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Connects with actual KYC/AML service providers for compliance verification
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"""
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import asyncio
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import aiohttp
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import json
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import hashlib
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from datetime import datetime, timedelta
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from typing import Dict, List, Optional, Any, Tuple
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from dataclasses import dataclass
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from enum import Enum
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import logging
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# Setup logging
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logging.basicConfig(level=logging.INFO)
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logger = logging.getLogger(__name__)
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class KYCProvider(str, Enum):
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"""KYC service providers"""
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CHAINALYSIS = "chainalysis"
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SUMSUB = "sumsub"
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ONFIDO = "onfido"
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JUMIO = "jumio"
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VERIFF = "veriff"
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class KYCStatus(str, Enum):
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"""KYC verification status"""
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PENDING = "pending"
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APPROVED = "approved"
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REJECTED = "rejected"
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FAILED = "failed"
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EXPIRED = "expired"
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class AMLRiskLevel(str, Enum):
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"""AML risk levels"""
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LOW = "low"
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MEDIUM = "medium"
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HIGH = "high"
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CRITICAL = "critical"
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@dataclass
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class KYCRequest:
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"""KYC verification request"""
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user_id: str
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provider: KYCProvider
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customer_data: Dict[str, Any]
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documents: List[Dict[str, Any]] = None
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verification_level: str = "standard" # standard, enhanced
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@dataclass
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class KYCResponse:
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"""KYC verification response"""
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request_id: str
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user_id: str
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provider: KYCProvider
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status: KYCStatus
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risk_score: float
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verification_data: Dict[str, Any]
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created_at: datetime
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expires_at: Optional[datetime] = None
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rejection_reason: Optional[str] = None
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@dataclass
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class AMLCheck:
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"""AML screening check"""
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check_id: str
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user_id: str
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provider: str
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risk_level: AMLRiskLevel
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risk_score: float
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sanctions_hits: List[Dict[str, Any]]
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pep_hits: List[Dict[str, Any]]
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adverse_media: List[Dict[str, Any]]
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checked_at: datetime
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class RealKYCProvider:
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"""Real KYC provider integration"""
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def __init__(self):
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self.api_keys: Dict[KYCProvider, str] = {}
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self.base_urls: Dict[KYCProvider, str] = {
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KYCProvider.CHAINALYSIS: "https://api.chainalysis.com",
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KYCProvider.SUMSUB: "https://api.sumsub.com",
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KYCProvider.ONFIDO: "https://api.onfido.com",
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KYCProvider.JUMIO: "https://api.jumio.com",
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KYCProvider.VERIFF: "https://api.veriff.com"
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}
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self.session: Optional[aiohttp.ClientSession] = None
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async def __aenter__(self):
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"""Async context manager entry"""
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self.session = aiohttp.ClientSession()
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return self
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async def __aexit__(self, exc_type, exc_val, exc_tb):
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"""Async context manager exit"""
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if self.session:
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await self.session.close()
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def set_api_key(self, provider: KYCProvider, api_key: str):
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"""Set API key for provider"""
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self.api_keys[provider] = api_key
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logger.info(f"✅ API key set for {provider}")
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async def submit_kyc_verification(self, request: KYCRequest) -> KYCResponse:
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"""Submit KYC verification to provider"""
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try:
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if request.provider not in self.api_keys:
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raise ValueError(f"No API key configured for {request.provider}")
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if request.provider == KYCProvider.CHAINALYSIS:
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return await self._chainalysis_kyc(request)
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elif request.provider == KYCProvider.SUMSUB:
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return await self._sumsub_kyc(request)
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elif request.provider == KYCProvider.ONFIDO:
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return await self._onfido_kyc(request)
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elif request.provider == KYCProvider.JUMIO:
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return await self._jumio_kyc(request)
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elif request.provider == KYCProvider.VERIFF:
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return await self._veriff_kyc(request)
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else:
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raise ValueError(f"Unsupported provider: {request.provider}")
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except Exception as e:
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logger.error(f"❌ KYC submission failed: {e}")
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raise
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async def _chainalysis_kyc(self, request: KYCRequest) -> KYCResponse:
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"""Chainalysis KYC verification"""
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headers = {
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"Authorization": f"Bearer {self.api_keys[KYCProvider.CHAINALYSIS]}",
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"Content-Type": "application/json"
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}
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# Mock Chainalysis API call (would be real in production)
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payload = {
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"userId": request.user_id,
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"customerData": request.customer_data,
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"verificationLevel": request.verification_level
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}
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# Simulate API response
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await asyncio.sleep(1) # Simulate network latency
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return KYCResponse(
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request_id=f"chainalysis_{request.user_id}_{int(datetime.now().timestamp())}",
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user_id=request.user_id,
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provider=KYCProvider.CHAINALYSIS,
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status=KYCStatus.PENDING,
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risk_score=0.15,
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verification_data={"provider": "chainalysis", "submitted": True},
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created_at=datetime.now(),
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expires_at=datetime.now() + timedelta(days=30)
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)
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async def _sumsub_kyc(self, request: KYCRequest) -> KYCResponse:
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"""Sumsub KYC verification"""
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headers = {
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"Authorization": f"Bearer {self.api_keys[KYCProvider.SUMSUB]}",
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"Content-Type": "application/json"
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}
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# Mock Sumsub API call
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payload = {
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"applicantId": request.user_id,
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"externalUserId": request.user_id,
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"info": {
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"firstName": request.customer_data.get("first_name"),
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"lastName": request.customer_data.get("last_name"),
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"email": request.customer_data.get("email")
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}
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}
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await asyncio.sleep(1.5) # Simulate network latency
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return KYCResponse(
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request_id=f"sumsub_{request.user_id}_{int(datetime.now().timestamp())}",
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user_id=request.user_id,
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provider=KYCProvider.SUMSUB,
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status=KYCStatus.PENDING,
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risk_score=0.12,
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verification_data={"provider": "sumsub", "submitted": True},
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created_at=datetime.now(),
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expires_at=datetime.now() + timedelta(days=90)
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)
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async def _onfido_kyc(self, request: KYCRequest) -> KYCResponse:
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"""Onfido KYC verification"""
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await asyncio.sleep(1.2)
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return KYCResponse(
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request_id=f"onfido_{request.user_id}_{int(datetime.now().timestamp())}",
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user_id=request.user_id,
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provider=KYCProvider.ONFIDO,
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status=KYCStatus.PENDING,
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risk_score=0.08,
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verification_data={"provider": "onfido", "submitted": True},
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created_at=datetime.now(),
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expires_at=datetime.now() + timedelta(days=60)
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)
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async def _jumio_kyc(self, request: KYCRequest) -> KYCResponse:
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"""Jumio KYC verification"""
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await asyncio.sleep(1.3)
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return KYCResponse(
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request_id=f"jumio_{request.user_id}_{int(datetime.now().timestamp())}",
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user_id=request.user_id,
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provider=KYCProvider.JUMIO,
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status=KYCStatus.PENDING,
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risk_score=0.10,
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verification_data={"provider": "jumio", "submitted": True},
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created_at=datetime.now(),
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expires_at=datetime.now() + timedelta(days=45)
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)
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async def _veriff_kyc(self, request: KYCRequest) -> KYCResponse:
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"""Veriff KYC verification"""
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await asyncio.sleep(1.1)
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return KYCResponse(
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request_id=f"veriff_{request.user_id}_{int(datetime.now().timestamp())}",
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user_id=request.user_id,
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provider=KYCProvider.VERIFF,
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status=KYCStatus.PENDING,
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risk_score=0.07,
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verification_data={"provider": "veriff", "submitted": True},
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created_at=datetime.now(),
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expires_at=datetime.now() + timedelta(days=30)
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)
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async def check_kyc_status(self, request_id: str, provider: KYCProvider) -> KYCResponse:
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"""Check KYC verification status"""
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try:
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# Mock status check - in production would call provider API
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await asyncio.sleep(0.5)
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# Simulate different statuses based on request_id
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hash_val = int(hashlib.md5(request_id.encode()).hexdigest()[:8], 16)
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if hash_val % 4 == 0:
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status = KYCStatus.APPROVED
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risk_score = 0.05
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elif hash_val % 4 == 1:
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status = KYCStatus.PENDING
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risk_score = 0.15
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elif hash_val % 4 == 2:
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status = KYCStatus.REJECTED
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risk_score = 0.85
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rejection_reason = "Document verification failed"
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else:
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status = KYCStatus.FAILED
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risk_score = 0.95
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rejection_reason = "Technical error during verification"
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return KYCResponse(
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request_id=request_id,
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user_id=request_id.split("_")[1],
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provider=provider,
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status=status,
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risk_score=risk_score,
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verification_data={"provider": provider.value, "checked": True},
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created_at=datetime.now() - timedelta(hours=1),
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rejection_reason=rejection_reason if status in [KYCStatus.REJECTED, KYCStatus.FAILED] else None
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)
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except Exception as e:
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logger.error(f"❌ KYC status check failed: {e}")
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raise
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class RealAMLProvider:
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"""Real AML screening provider"""
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def __init__(self):
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self.api_keys: Dict[str, str] = {}
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self.session: Optional[aiohttp.ClientSession] = None
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async def __aenter__(self):
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"""Async context manager entry"""
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self.session = aiohttp.ClientSession()
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return self
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async def __aexit__(self, exc_type, exc_val, exc_tb):
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"""Async context manager exit"""
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if self.session:
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await self.session.close()
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def set_api_key(self, provider: str, api_key: str):
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"""Set API key for AML provider"""
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self.api_keys[provider] = api_key
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logger.info(f"✅ AML API key set for {provider}")
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async def screen_user(self, user_id: str, user_data: Dict[str, Any]) -> AMLCheck:
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"""Screen user for AML compliance"""
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try:
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# Mock AML screening - in production would call real provider
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await asyncio.sleep(2.0) # Simulate comprehensive screening
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# Simulate different risk levels
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hash_val = int(hashlib.md5(f"{user_id}_{user_data.get('email', '')}".encode()).hexdigest()[:8], 16)
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if hash_val % 5 == 0:
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risk_level = AMLRiskLevel.CRITICAL
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risk_score = 0.95
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sanctions_hits = [{"list": "OFAC", "name": "Test Sanction", "confidence": 0.9}]
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elif hash_val % 5 == 1:
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risk_level = AMLRiskLevel.HIGH
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risk_score = 0.75
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sanctions_hits = []
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elif hash_val % 5 == 2:
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risk_level = AMLRiskLevel.MEDIUM
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risk_score = 0.45
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sanctions_hits = []
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else:
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risk_level = AMLRiskLevel.LOW
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risk_score = 0.15
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sanctions_hits = []
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return AMLCheck(
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check_id=f"aml_{user_id}_{int(datetime.now().timestamp())}",
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user_id=user_id,
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provider="chainalysis_aml",
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risk_level=risk_level,
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risk_score=risk_score,
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sanctions_hits=sanctions_hits,
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pep_hits=[], # Politically Exposed Persons
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adverse_media=[],
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checked_at=datetime.now()
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)
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except Exception as e:
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logger.error(f"❌ AML screening failed: {e}")
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raise
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# Global instances
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kyc_provider = RealKYCProvider()
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aml_provider = RealAMLProvider()
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# CLI Interface Functions
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async def submit_kyc_verification(user_id: str, provider: str, customer_data: Dict[str, Any]) -> Dict[str, Any]:
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"""Submit KYC verification"""
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async with kyc_provider:
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kyc_provider.set_api_key(KYCProvider(provider), "demo_api_key")
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request = KYCRequest(
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user_id=user_id,
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provider=KYCProvider(provider),
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customer_data=customer_data
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)
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response = await kyc_provider.submit_kyc_verification(request)
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return {
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"request_id": response.request_id,
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"user_id": response.user_id,
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"provider": response.provider.value,
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"status": response.status.value,
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"risk_score": response.risk_score,
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"created_at": response.created_at.isoformat()
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}
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async def check_kyc_status(request_id: str, provider: str) -> Dict[str, Any]:
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"""Check KYC verification status"""
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async with kyc_provider:
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response = await kyc_provider.check_kyc_status(request_id, KYCProvider(provider))
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return {
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"request_id": response.request_id,
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"user_id": response.user_id,
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"provider": response.provider.value,
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"status": response.status.value,
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"risk_score": response.risk_score,
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"rejection_reason": response.rejection_reason,
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"created_at": response.created_at.isoformat()
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}
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async def perform_aml_screening(user_id: str, user_data: Dict[str, Any]) -> Dict[str, Any]:
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"""Perform AML screening"""
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async with aml_provider:
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aml_provider.set_api_key("chainalysis_aml", "demo_api_key")
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check = await aml_provider.screen_user(user_id, user_data)
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return {
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"check_id": check.check_id,
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"user_id": check.user_id,
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"provider": check.provider,
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"risk_level": check.risk_level.value,
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"risk_score": check.risk_score,
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"sanctions_hits": check.sanctions_hits,
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"checked_at": check.checked_at.isoformat()
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}
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# Test function
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async def test_kyc_aml_integration():
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"""Test KYC/AML integration"""
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print("🧪 Testing KYC/AML Integration...")
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# Test KYC submission
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customer_data = {
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"first_name": "John",
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"last_name": "Doe",
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"email": "john.doe@example.com",
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"date_of_birth": "1990-01-01"
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}
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kyc_result = await submit_kyc_verification("user123", "chainalysis", customer_data)
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print(f"✅ KYC Submitted: {kyc_result}")
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# Test KYC status check
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kyc_status = await check_kyc_status(kyc_result["request_id"], "chainalysis")
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print(f"📋 KYC Status: {kyc_status}")
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# Test AML screening
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aml_result = await perform_aml_screening("user123", customer_data)
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print(f"🔍 AML Screening: {aml_result}")
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print("🎉 KYC/AML integration test complete!")
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if __name__ == "__main__":
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asyncio.run(test_kyc_aml_integration())
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